Exhibit 99.01 Schedule 2
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| XXXXX | 4000003925 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2022-06-07): Received, Clearing. Seller Comment (2022-06-07): XXXX attached |
06/07/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000003925 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2022-06-27): Received, Clearing. Seller Comment (2022-06-27): Secondary evaluation attached Reviewer Comment (2022-06-23): XXXX is required forXXXX which is part of theXXXX. Seller Comment (2022-06-23): Please see comments from XXXX Appraisal XXXX team in which a CDA is not needed |
06/27/2022 | No | 1 | D | A | D | A | D | A | D | A | D | A | CO | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000003925 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2022-06-23): Received, Clearing. Seller Comment (2022-06-23): attached and uploaded in XXXX revised loan docs with increased coverage of XXXX. Current XXXX to be renewed in XXXX so we are providing the future policy as well. |
06/23/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000003788 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Missing XXXX | Reviewer Comment (2022-06-08): Received, Clearing. Seller Comment (2022-06-08): Please see attachment |
06/08/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000003788 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Final Loan Application) | XXXX Constitution Section XXXX(a)(XXXX): No evidence the XXXX (s) received a copy of the XXXX loan application at or XXXX | Reviewer Comment (2022-06-08): Received, Clearing. |
06/08/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000003788 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | XXXX XXXX: Final itemized disclosure of XXXX not provided to borrower at least XXXX prior to closing without a XXXX. | Reviewer Comment (2022-06-08): Received, Clearing. Seller Comment (2022-06-08): Please see attachment |
06/08/2022 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000094518 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | for property XXXXl, XXXX statement is missing in the file | Reviewer Comment (2025-11-11): Received statement Seller Comment (2025-11-10): Comment from XXXX XXXX: XXXX Mortgage statement |
11/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000094518 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-11-04): Accepted as is. |
11/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000094518 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | DTI of XXXX% exceeds DTI of XXXX%. Verified Debt XXXX/ Income $XXXX. | Reviewer Comment (2025-11-25): Received, Clearing. Seller Comment (2025-11-25): Comment from XXXX XXXX : XXXX corrected 1008/1003/LP XXXX payment is $XXXX. XXXX XXXX PITIA $$XXXX No rental amount was used to qualify. -$XXXX Reviewer Comment (2025-11-17): Primary PITIA $XXXX, Negative REO $XXXX, Credit Debt $XXXX. Income $XXXX. Qualify PITIA $XXXX. Buyer Comment (2025-11-14): Comment from XXXX XXXX : Could you please provide your full debt/rental income or loss breakdown calculations so we can see where the discrepancy lies? Reviewer Comment (2025-11-11): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds AUS total debt ratio of XXXX. Reviewer Comment (2025-11-10): With exclusion of Student Loan with less then XXXX payments remaining, DTI is now XXXX. Exception remains as it exceeds AUS DTI of XXXX Seller Comment (2025-11-10): Comment from XXXX XXXX: Memo to exclude liabilities under XXXX payments |
11/25/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 6000103919 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the final title policy. | Reviewer Comment (2026-01-21): Received, Clearing. |
01/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | HI | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 6000103919 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount is not provided on Title Preliminary report. | Reviewer Comment (2026-01-21): Received, Clearing. Seller Comment (2026-01-21): finally got what you needed. Reviewer Comment (2026-01-21): Please provide the Final Title Policy or a commitment with the correct loan amount. Seller Comment (2026-01-21): i also sent another email to the title insurer but they are going to issue the final policy in the amount located on the Alta they sent. Seller Comment (2026-01-21): Title noted this on the XXXX when i asked again. can you not accept the Alta Letter showing the loan amount as XXXX. XXXX This is all that I have for this escrow as this closed/record on XXXX XXXX Seller Comment (2026-01-21): Title noted this on the XXXX when i asked again. can you not accept the Alta Letter showing the loan amount as XXXX. XXXX This is all that I have for this escrow as this closed/record on XXXX XXXX Reviewer Comment (2026-01-08): We need a title commitment or prelim with policy amount listed. Seller Comment (2026-01-07): Title Letter for XXXX |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000112138 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-27): Cleared based on review
coming back within tolerances |
01/27/2026 | No | 1 | A | A | A | A | A | CT | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000103747 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves ofXXXX | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: XXXX |
SitusAMC | Reviewer Comment (2025-12-19): Waived with compensating
factors per lender exception approval. Buyer Comment (2025-12-17): Please find exception attached. Thank you. Buyer Comment (2025-12-17): Per matrix, reserves are not required. |
12/19/2025 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXX | 4000108636 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-02-06): Accepted as is. |
02/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000108636 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-06): Accepted as is. |
02/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000108272 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Provided Appraisal Report is Incomplete | Reviewer Comment (2026-02-10): Received Appraisal.
Exception cleared. Seller Comment (2026-02-10): Comment from XXXX (XXXX): uploaded appraisal document |
02/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | RI | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000108272 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XXXX | Reviewer Comment (2026-02-12): 10 day VVOE received Seller Comment (2026-02-12): Comment from XXXX (XXXX): 10 day |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000108272 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification of employment is not within XXXX days of the Note date. | Reviewer Comment (2026-02-12): 10 day VVOE received |
02/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | RI | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000108272 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verification of employment is not within XXXX days of the Note date. | Reviewer Comment (2026-02-12): 10 day VVOE received |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112626 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing for both borrowers. | Reviewer Comment (2026-02-12): Received Fraud Report.
Exception cleared. Seller Comment (2026-02-12): Comment from XXXX (XXXX): Fraud Report |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000112626 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000112594 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing copy of Tax Verification document . | Reviewer Comment (2026-02-17): Received Tax Verification.
Exception cleared. Seller Comment (2026-02-16): Comment from XXXX (XXXX): XXXX and XXXX are one and the same - see uploaded documentation Reviewer Comment (2026-02-12): Provide Tax Verification for the Unit XXXX. Exception remains. Seller Comment (2026-02-12): Comment from XXXX (XXXX): Tax bill spilt between the XXXX owners |
02/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112594 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000112594 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXXexceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the XXXX . | Reviewer Comment (2026-02-11): Sufficient Cure Provided
within XXXX of Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000112594 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the XXXX . | Reviewer Comment (2026-02-11): Sufficient Cure Provided
within XXXX of Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000113594 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Provide child support order reflecting XXXX owed per month. | Reviewer Comment (2026-03-03): Received, Clearing. Seller Comment (2026-03-03): Comment from XXXX (XXXX): divorce decree |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000113594 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX business days prior to consummation. | Reviewer Comment (2026-02-13): . Reviewer Comment (2026-02-13): Accepted as is. |
02/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000112115 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-16): Cleared based on review
coming back within tolerances |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000112115 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-20): Comment from XXXX (XXXX .): corrected insurance |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000113051 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-02-18): XXXX received Letter of
explanation and Corrected Closing disclosure. Seller Comment (2026-02-18): Comment from XXXX (XXXX): PCCD/LOE for post-consummation review due to escrow state and Final Settlement Stmt. |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114188 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX % of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at $XXXX . | Reviewer Comment (2026-02-24): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-02-24): Comment from XXXX (XXXX): RCE |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114188 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on XXXX contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. | The closing disclosure reflects escrow hold in the amount of $XXXX | Reviewer Comment (2026-02-24): Funds were reimbursed to
borrower at closing, evidenced with check from title Seller Comment (2026-02-24): Comment from XXXX (XXXX): At the close of escrow the borrower's agreed to have the refundable pad go back to XXXX. He received, refund only and why it shows on the closing statement |
02/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | C | A | D | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114188 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure PAD Fee | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on XXXX disclosed a Pad fee that was not allocated to a specific cost or service performed. | The closing disclosure reflects escrow hold in the amount of $XXXX | Reviewer Comment (2026-02-25): PAD fee is reimbursement to
borrower per final CD, PCCD and FSS. Seller Comment (2026-02-24): Comment from XXXX (XXXX): At the close of escrow the borrower's agreed to have the refundable pad go back to XXXX. He received, refund only and why it shows on the closing statement |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD | D | A | C | A | D | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114188 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure PAD Fee | TILA-RESPA Integrated Disclosure - Post Closing Disclosure: Post Close Closing Disclosure provided on XXXX disclosed a Pad fee in the Loan Costs section that was not allocated to a specific cost or service performed. | The closing disclosure reflects escrow hold in the amount of $XXXX | Reviewer Comment (2026-02-25): PAD fee is reimbursement to
borrower per final CD, PCCD and FSS. Buyer Comment (2026-02-24): Comment from XXXX (XXXX): At the close of escrow the borrower's agreed to have the refundable pad go back to XXXX. He received, refund only and why it shows on the closing statement |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Exception cannot be cured but can be cleared with updated PCCD or ALTA/Final Settlement statement itemizing what costs/charges PAD fee was allocated towards. | D | A | C | A | D | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114188 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for PAD. Fee Amount of $Use XXXXexceeds tolerance of $Use XXXX. $Use XXXXover legal limit. Insufficient or no cure was provided to the Use XXXX. | The closing disclosure reflects escrow hold in the amount of $XXXX | Reviewer Comment (2026-02-25): PAD fee is reimbursement to
borrower per final CD, PCCD and FSS. Reviewer Comment (2026-02-25): XXXX receied Copy of refund check for $XXXX.However,we would also require Post CD,LOX and proof of mailing in order to cure the exception. Buyer Comment (2026-02-24): Comment from XXXX (XXXX): At the close of escrow the borrower's agreed to have the refundable pad go back to XXXX. He received, refund only and why it shows on the closing statement |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | D | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000113883 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Asset statements must be dated no more than ninety (XXXX) days prior to the note date. | Reviewer Comment (2026-02-27): Statement dated within 90
days of closing, cleared |
02/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000113883 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more XXXX components, the loan is at ATR risk. | Asset statements must be dated no more than ninety (XXXX) days prior to the note date. | Reviewer Comment (2026-02-27): Statement dated within 90
days of closing, cleared |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113883 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | Reviewer Comment (2026-02-27): Statement dated within 90
days of closing, cleared Seller Comment (2026-02-27): Comment from XXXX (XXXX): 401k Reviewer Comment (2026-02-19): As per XXXX Guidelines Asset documents should be ninety (90) days prior to the note date. Provide recent bank statements. Exception remains. Buyer Comment (2026-02-19): Comment from XXXX (XXXX): I don't see where the guides limit the age of assets docs to 90 days as investor appears to follow FNMA on this topic so we should be good up to 120 days. Please advise what you are seeing on your end. Thank you! |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113883 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | Reviewer Comment (2026-02-27): Statement dated within 90
days of closing, cleared Seller Comment (2026-02-27): Comment from XXXX (XXXX): Investment acct Reviewer Comment (2026-02-19): As per XXXX Guidelines Asset documents should be ninety (90) days prior to the note date. Provide recent bank statements. Exception remains. Buyer Comment (2026-02-19): Comment from XXXX (XXXX): I don't see where the guides limit the age of assets docs to 90 days as investor appears to follow FNMA on this topic so we should be good up to 120 days. Please advise what you are seeing on your end. Thank you! |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000108878 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-18): Reopened Reviewer Comment (2026-02-18): Cleared based on review coming back within tolerances |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000108878 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to proceed as rate/term refi. Property purchased XXXX with sales price XXXX and construction XXXX lien recorded XXXX. Comp factors: FICO above XXXX points minimum, and DSCR over XXXX | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-02-17): Client elects to
waive/regrade with compensating factors. |
02/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114348 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description not provided in file | Reviewer Comment (2026-02-19): Received Legal Description.
Exception cleared. Seller Comment (2026-02-19): Comment from XXXX (XXXX): XXXX Please see attached |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000114348 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-02-23): Received Evidence of Title.
Exception cleared. Seller Comment (2026-02-23): Comment from XXXX (XXXX): XXXX - see attached |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||
| XXXXX | 4000111934 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing letter of intent to sell departing residence. | Reviewer Comment (2026-02-24): Received Letter of intent
to sell. Exception cleared. Seller Comment (2026-02-24): Comment from XXXX (XXXX): LOI |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 6000109254 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide an Operating Agreement for XXXX verifying ownership percentages. | Reviewer Comment (2026-02-02): Received Operating
Agreement for XXXX. Exception Cleared. Buyer Comment (2026-01-29): Attached is Amendment to Operating Agreement for XXXX showing borrower's percentage of ownership. Reviewer Comment (2026-01-28): As per operating agreement of XXXX, business is 100% owned by XXXX Company. As per EIN of XXXX XXXX is sole member. We require operating agreement for XXXX to verify ownership % of XXXX. Exception remains. Buyer Comment (2026-01-26): Please see attached in place of an "operating agreement" as the state of XXXX does not require one & the LLC does not have one. Thank you. Buyer Comment (2026-01-26): Please see attached. Thank you. Reviewer Comment (2026-01-26): Require Operating agreement for XXXX to confirm the borrower ownership interest in that business. Exception Remains. Buyer Comment (2026-01-22): Please note Borrower is the "sole member" per the EIN letter as such there is no operating agreement on record. Thank you. |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000109254 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-01-26): Received OFAC for the
borrowing entity in the file. Exception Cleared. Buyer Comment (2026-01-22): Please find clear OFAC for XXXX. Thank you. |
01/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000112483 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | The lender on Appraisal differs from the Note. The appraisal Transfer Letter is missing from the file. | Reviewer Comment (2026-02-19): Accepted as is. |
02/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | A | A | A | A | B | B | N/A | N/A | No | ||||||||||
| XXXXX | 4000112328 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-02-25): Received Title evidence
with Policy Amount. Exception cleared. Seller Comment (2026-02-24): Comment from XXXX (XXXX): Supplement with loan amount attached |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113380 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-02-20): Accepted as is. |
02/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113380 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-02-21): Received, Clearing. Seller Comment (2026-02-20): Comment from Purchasing Team (XXXX): HOI |
02/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113380 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is missing. | Reviewer Comment (2026-02-21): Received, Clearing. Seller Comment (2026-02-20): Comment from Purchasing Team (XXXX): DOT |
02/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000112238 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-23): Clearing based on review
coming back within tolerances. |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000113491 | XXXXX | XXXXX | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: | Provided XXXX Appraisal is not illegible. Top and bottom of the page is cut off and verbiage is not mention for characteristics. | Reviewer Comment (2026-02-24): Received, Clearing. Seller Comment (2026-02-24): Comment from XXXX (XXXX): uploaded appraisal document |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113491 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Reviewer Comment (2026-02-24): Received, Clearing. |
02/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Second Home | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000113491 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Second Home | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113491 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure not provided | Reviewer Comment (2026-03-02): XXXX received corrected
PCCD and LOE Seller Comment (2026-02-26): Comment from XXXX (XXXX): uploaded corrected PCCD and LOE Reviewer Comment (2026-02-26): XXXX received rebuttal, however if fee is a title fee it should have been disclosed with title prefix. Please provide updated PCCD with title prefix and LOE to re-evaluate the exception. Buyer Comment (2026-02-25): Comment from XXXX (XXXX): Tax Cert Fee is a title fee and should be in section C. This is a can shop/did shop fee and falls under good faith tolerance, no cure required. Reviewer Comment (2026-02-25): XXXX received rebuttal and LOE. If fee was not required, it should be listed in section H instead of section C. Corrected CD and LOE required to remediate. Seller Comment (2026-02-24): Comment from XXXX (XXXX): uploaded LOE |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112215 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-23): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | DC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000112323 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage amount is $XXXX and the Note amount is $XXXX | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000115626 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000115626 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000112672 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The statement for the second mortgage on this property is missing. | Reviewer Comment (2026-03-02): Received Credit Supplement.
Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Credit supplement |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112672 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The statement for the second mortgage on this property is missing. | Reviewer Comment (2026-03-02): Received Credit Supplement.
Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Credit supplement reflects HELOC has zero balance |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112672 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112672 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided. | Reviewer Comment (2026-03-03): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Buyer Comment (2026-03-02): Comment from XXXX (XXXX): Closing date updated from XXXX to XXXX |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112672 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | TN | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000116613 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Comment from XXXX (XXXX): Hazard Insurance |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000116613 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Hazard Insurance is missing. | Reviewer Comment (2026-02-27): Received, Clearing. Buyer Comment (2026-02-27): Comment from XXXX (XXXX): Insurance uploaded |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000112351 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114056 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-03-06): Received Title final,
Exception Cleared. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Final Title |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114056 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-07): Received, Clearing. |
03/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | HI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114056 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (XXXX) business days of application. Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan estimate was not provided to borrower within XXXX business days of application | Reviewer Comment (2026-03-03): XXXX received E-Sign
Process Summary which shows Sent to Fulfillment date as XXXX which is within
3 days of the application. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Please see initial LE with summary of when was sent to borrower and TRID due dates. There was a weekend between app date and initial LE due date |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113390 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing in file for REO property XXXX. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Comment from XXXX (XXXX): Insurance |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113390 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in file. | Reviewer Comment (2026-02-27): Received, Clearing. Seller Comment (2026-02-27): Comment from XXXX (XXXX): Fraud Report |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113390 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing in file. | Reviewer Comment (2026-02-27): Received, Clearing. Buyer Comment (2026-02-27): Comment from XXXX (XXXX): Fraud Report uploaded for review |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116152 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114830 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXXX0 exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-05): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Seller Comment (2026-03-03): Comment from XXXX(XXXX): see attached |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112169 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount is blank. If the prelim does not state a coverage amount, | Reviewer Comment (2026-03-02): Accepted as is. |
03/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000112169 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-03): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Buyer Comment (2026-03-02): Comment from XXXX (XXXX): Appraisal review was refunded back to borrower per the Lender Credit in Section J Line 2 of the Final Closing Disclosure. |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112169 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000116468 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Only XXXX total tradelines active in last XXXX months with at least XXXX months of history. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-03): Lender exception
approved |
03/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114001 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-03-02): Accepted as is. |
03/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114001 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Reviewer Comment (2026-03-02): Accepted as is. |
03/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114149 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000114149 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000116583 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates an Investor exception was granted for XXXX months seasoning to u se sales net proceeds from primary residence for funds to close. Provide completed Lender Exception Form. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly mortgage payment has decreased by at least 20%. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-03): Client exception
received. Seller Comment (2026-03-03): Comment from XXXX (XXXX): see attached |
03/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114934 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exceptions in file, with Approved Status are for
bonus to be used in bonus calculation. We have a letter confirming bonus will be paid in XXXX and to be XXXX% of salary. ($XXXX) This is slightly higher than XXXX year end bonus which is documented on year end paystubs. Using an average of XXXX ($XXXX) and current to be paid in March bonus gives us $XXXX in bonus income. This allows our ratios to be in line with guideline qualifications. |
Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-02): Clients exception in the
file. |
03/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000116563 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-03-06): XXXX received initial CD Seller Comment (2026-03-05): Comment from XXXX (XXXX): Initial CD |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000116563 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116563 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided to borrowers. | Reviewer Comment (2026-03-06): XXXX received valid COC Seller Comment (2026-03-05): Comment from XXXX (XXXX): Increase was disclosed prior to closing. No cure required. |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112154 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000112154 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000113886 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-03): Accepted as is. |
03/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114775 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-06): Clearing based on review
coming back within tolerances. |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000113157 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-03-05): Accepted as is. |
03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115706 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000115706 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-03-10): 2 months required per
guidelines Reviewer Comment (2026-03-10): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Reviewer Comment (2026-03-09): As per XXXX Lending Guidelines XXXX, 9 Months reserves required for Expanded prime plus program with loan amount of $XXXX- $XXXX. Pease provide additional assets. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX): please waive this condition XXXX guide line only require 2mths PI borrower have enough reserves |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000115706 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-10): Only 2 months reserves
required per seller guidelines Reviewer Comment (2026-03-10): As perXXXX Lending Guidelines XXXX, 9 Months reserves required for Expanded prime plus program with loan amount of $XXXX- $XXXX. Pease provide additional assets. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX): please waive this condition XXXX guide line only require 2mths PI borrower have enough reserves |
03/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000115706 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Short reserves requirement | Reviewer Comment (2026-03-10): Only 2 months reserves
required per seller guidelines Reviewer Comment (2026-03-10): As per XXXX Lending Guidelines XXXX, 9 Months reserves required for Expanded prime plus program with loan amount of $XXXX- $XXXX. Pease provide additional assets. Exception remains. Buyer Comment (2026-03-09): Comment from XXXX (XXXX): please waive this condition XXXXK guide line only require 2mths PI borrower have enough reserves |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112647 | XXXXX | XXXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | Paid to Party cannot be determined on the Closing Disclosure for Title - Endorsement Fee, Title - Lender's Title Insurance and Title - Settlement / Closing / Escrow Fee | Reviewer Comment (2026-03-06): Accepted as is per
client. |
03/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112875 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from insurer. Calculations are based on 80% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-03-26): RCE provided. Cleared. Seller Comment (2026-03-26): Comment fromXXXX (XXXX): RCE Reviewer Comment (2026-03-18): Without RCE the coverage must be XXXX% of the appraisal cost new based on needing to meet FNMA requirements. Seller Comment (2026-03-18): Comment from XXXX (XXXX): HOI COVERAGE IS MORE THAN SUFFICIENT. |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116839 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-03-10): Sufficient documentation on
file to exclude departing residence Buyer Comment (2026-03-10): Comment from XXXX (XXXX): reclass if need |
03/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000116839 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and XXXX of XXXX% significantly exceeds the guideline maximum of XXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Reviewer Comment (2026-03-10): Sufficient documentation on
file to exclude departing residence Seller Comment (2026-03-10): Comment from XXXX (XXXX): See attached |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116839 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Other real estate owned was not calculated into debt to income per final 1003 and Lender guidelines | Reviewer Comment (2026-03-10): Sufficient documentation on
file to exclude departing residence Reviewer Comment (2026-03-10): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. Seller Comment (2026-03-10): Comment from XXXX (XXXX): See attached |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116839 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Other mortgaged properties were not calculated into debt to income. | Reviewer Comment (2026-03-10): Sufficient documentation on
file to exclude departing residence Seller Comment (2026-03-10): Comment from XXXX (XXXX): see attached |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116839 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Need a statement to verify the monthly payment for the HELOC on this property. This may increase the DTI that is already outside of guidelines. | Reviewer Comment (2026-03-10): HELOC on departing
residence omitted per guidelines |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117680 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title does not list coverage amount. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000117680 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-03-12): Received, Clearing. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, Please see attached |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000117680 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117680 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2026-03-12): Received, Clearing. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, Please see attached |
03/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000117680 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. | Reviewer Comment (2026-03-12): Received, Clearing. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Hello, Please see attached |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000111987 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-16): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded ICD, COC, lock agreement documents |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000111987 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Both appraisals on file are cut off on the top and bottom of each page. Please provide legible copies of each. | Reviewer Comment (2026-03-11): Received, Clearing. Seller Comment (2026-03-11): Comment from XXXX (XXXX): uploaded requested appraisal documents |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000111987 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115094 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000115094 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment (2026-03-13): XXXX Received Letter of
Explanation & Corrected Closing Disclosure. Seller Comment (2026-03-12): Comment from XXXX (XXXX.): PCCD |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000115094 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is Missing | Reviewer Comment (2026-03-12): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX.): Fraud Report |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000115094 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is Missing | Reviewer Comment (2026-03-17): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-17): Comment from XXXX (XXXX): Fraud Report attached. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000115094 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1. Subject property has 2 ADUs & no comps available.
(No more than XXXX units total) 2. Credit expires XXXX, request an extension for XXXX days. (Must close before credit is XXXX days aged) Both approved with comp factors LTV <XXXX%, Score >XXXX, DTI <XXXX%, Residual income > $XXXX per month. |
Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-11): Client elects to
waive/regrade with compensating factors. |
03/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 4000115094 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-11): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000112234 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to and 442 is not in images. | Reviewer Comment (2026-03-12): Received 442 - Certificate
of Completion. Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded final inspection document |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | A | A | C | A | N/A | No | |||||||||||||
| XXXXX | 4000112338 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | XXXX - Certificate of Completion is missing. | Reviewer Comment (2026-03-12): Received 442 - Certificate
of Completion. Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded final inspection document |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | A | A | C | A | N/A | No | |||||||||||||
| XXXXX | 4000114086 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The Hazard Insurance Policy effective date (XXXX) is after the loan closing date. | Reviewer Comment (2026-03-12): Updated policy provided.
Cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded requested HOI document |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114296 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | $XXXX deposits posted on XXXX and XXXX into Ameriprise acct#XXXX are not seasoned for 120 days assets required under Asset Qualifier program Lender exception approved Comp factors FICO XXXX, 100 months of reserves and XXXX% down. | Borrower's monthly reserves have been verified and exceed
the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-11): Client elects to
waive/regrade with compensating factors. |
03/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114296 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Purchase contract or sales contract for departing residence. | Reviewer Comment (2026-03-12): Cleared with estimated
closing statement and the sale contract Seller Comment (2026-03-12): Comment from XXXX (XXXX): attached |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114340 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | No Cure provided | Reviewer Comment (2026-03-16): XXXX Received Valid COC
datedXXXX. Seller Comment (2026-03-12): Comment from XXXX (XXXX): uploaded LOE, ICD, and COC documents |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114035 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for XXXX% LTV for Rural area. Compensating Factors are no late payment housing history, SE for 4+ years, Strong FICO. Credit score XXXX, Reserves XXXXmonths, Residual > $XXXX. |
Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-24): Lender exception
approved |
03/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114035 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Verification of Donor wire from XXXX for $XXXX was not provided. | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-26): Comment from XXXX (XXXX): GIFT FUNDS WIRE TRANSFER |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114035 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk due to missing verification of Gift Donor Wire. | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-26): Comment from XXXX (XXXX): WIRE TRANSFER GIFT FUNDS |
03/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114035 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR risk due to missing verification of Gift Donor Wire. | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-26): Comment from XXXX (XXXX): GIFT FUNDS WIRE |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118432 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118453 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review
coming back within tolerances. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118453 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113730 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Reviewer Comment (2026-03-16): As per Closing Disclosure,
disbursement date is XXXX and Hazard Insurance Effective Date is same as
disbursement date. Exception cleared. Buyer Comment (2026-03-16): Comment from XXXX (XXXX): Loan closed XXXX disbursement was XXXX when borrowers took ownership on the XXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115825 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is Missing | Reviewer Comment (2026-03-12): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-12): Comment from XXXX (XXXX): Fraud Report |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115825 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-11): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000112689 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Reviewer Comment (2026-03-18): Received property
management statement confirming property is rented Seller Comment (2026-03-18): Comment from XXXX (XXXX): Did you read the 1008? We delivered the attached. where did this land? Please waive. |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000112689 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The appraisal does not show the property is Tenant Occupied or Vacant and thus casts doubt on the business purpose of the loan. | The appraisal reflects the property is owner occupied | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-01): Client elects to waive. Reviewer Comment (2026-03-25): Appraisal will need changed or an exception from the buyer of the loan will be needed. Seller Comment (2026-03-25): Comment from XXXX (XXXX): short term rentals don't show tenant occupied. Reivew the rental history from provided from management company. Thought those docs would take care of this pend as well. |
04/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000112689 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXXis insufficient to cover the 1st mortgage balance of $XXXX and a replacement cost value of $XXXX. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement costs estimator from the insurer. Coverage shortfall is $XXXX | Reviewer Comment (2026-03-18): There is coverage shortfall
of $XXXX. Required Replacement cost estimator. Exception remains. Seller Comment (2026-03-18): Comment from XXXX (XXXX): see attached |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000115127 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-17): Clearing based on review
coming back within tolerances. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000115127 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-11): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000115127 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-11): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000116366 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116366 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided. | Reviewer Comment (2026-03-17): XXXX Received Valid COC
dated XXXX along with CD. Seller Comment (2026-03-13): Comment from XXXX (XXXX): Please see initial CD dated XXXX with COC and tracking that was not included in the shipping package, this should clear the condition. Please review and waive. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116366 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal shows Property is in a PUD, but title and Security Instrument do not support as a PUD. Land is on XXXX acres with a barn. | Reviewer Comment (2026-03-17): Appraisal indicates HOA
fees is for road maintenance only, not for services offered as a PUD Seller Comment (2026-03-17): Comment from XXXX (XXXX): Please see attached updated appraisal items, appraiser made comments around page 10 of the report, please review and clear condition. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | CDA provided is incomplete. | Reviewer Comment (2026-03-13): Received CDA. Exception
cleared. Seller Comment (2026-03-13): Comment from XXXX (XXXX): uploaded cda document |
03/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE for Coborrower is ineligible. Unable to determine date provided. | Reviewer Comment (2026-04-01): Received paystubs and
VVOE Seller Comment (2026-04-01): Comment from XXXX (XXXX) uploaded VVOE and paystub documents Reviewer Comment (2026-03-17): Provide VVOE and recent Paystubs for Borrower. Exception remains. Seller Comment (2026-03-17): Comment from XXXX (XXXX)): uploaded requested VVOE that is dated XXXX |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is incomplete . | Reviewer Comment (2026-03-16): Received credit report Seller Comment (2026-03-16): Comment from XXXX (XXXX): uploaded requested credit report document |
03/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided | CDA provided is incomplete. | Reviewer Comment (2026-03-13): Received CDA. Exception
cleared. |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | ||||||||||||
| XXXXX | 4000115391 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Reviewer Comment (2026-03-12): Client elects to waive |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | D | A | N/A | No | |||||||||||
| XXXXX | 4000113620 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-03-13): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-13): Comment from XXXX (XXXX): Fraud Report |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Cure was not provided. | Reviewer Comment (2026-03-18): XXXX Received Valid COC
dated XXXX along with detailed information about Product change. Seller Comment (2026-03-17): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | Cure was not provided. | Reviewer Comment (2026-03-18): XXXX Received Valid COC
dated XXXX along with detailed information about Product change. Seller Comment (2026-03-17): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate | Reviewer Comment (2026-04-13): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-10): Comment from XXXX (XXXX): uploaded updated cd, loe, XXXX, check Reviewer Comment (2026-04-03): XXXX received lender rebuttal and lender's finance charges included in their calculation. However, the Title-Title-Attorney fee of $XXXX and the Title-Mail Away Fee $XXXX were not included in lender's calculation. XXXX did not include the $XXXX title-update & record fee which makes for the $XXXX underdisclosure of Lender's finance charge calculation. Lender can provide a lender's attestation that gives the specific services/purpose of the title-Attorney fee & Title-Mail Away fee for further review. XXXX included these fees as the title-attorney fee appears to be the settlement/closing fee for this transaction as there is no other closing/settlement fees and the Title-Mail Away fee appears to be a courier type fee which is also a finance charge. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing to cure. Seller Comment (2026-04-02): Comment from XXXX (XXXX): uploaded LOE document Reviewer Comment (2026-03-18): Current fees being tested as APR fee are Application, Flood, Funding Fee, Discount Points, Interest, Processing Fee, Tax Service, Verification of Employment. Title fees tested as APR fees are Attorneys Fee, CPL, Courier (which includes Mail Away and Overnight Fees) E-doc Fee, Processing Fee, Admin Fee. Buyer Comment (2026-03-17): Comment from XXXX (XXXX): Please provide your APR fees |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000116476 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on pageXXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of XXXX is under disclosed by XXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXX threshold. | Reviewer Comment (2026-04-13): XXXX eceived Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-10): Comment from XXXX (XXXX): uploaded updated cd, loe, XXXX, check Reviewer Comment (2026-04-03): XXXX received lender rebuttal and lender's finance charges included in their calculation. However, the Title-Title-Attorney fee of $XXXX and the Title-Mail Away Fee $XXXX were not included in lender's calculation. XXXX did not include the $XXXX title-update & record fee which makes for the $XXXX underdisclosure of Lender's finance charge calculation. Lender can provide a lender's attestation that gives the specific services/purpose of the title-Attorney fee & Title-Mail Away fee for further review. XXXX included these fees as the title-attorney fee appears to be the settlement/closing fee for this transaction as there is no other closing/settlement fees and the Title-Mail Away fee appears to be a courier type fee which is also a finance charge. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing to cure. Seller Comment (2026-04-02): Comment from XXXX (XXXX): uploaded updated LOE |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000116165 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-03-12): Accepted as is. |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 2000000346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (XXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount ofXXXX exceeds tolerance ofXXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount ofXXXXexceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000117002 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | B | B | B | B | D | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000117002 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-03-19): Received, Clearing. Seller Comment (2026-03-19): Comment from XXXX (XXXX): Hello, please see attached. |
03/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | B | B | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000117002 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX: Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-16): Client elects to waive |
03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | B | B | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000114067 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file was missing copy of Fraud Report. | Reviewer Comment (2026-03-31): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded requested document |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | D | B | C | A | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114067 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-03-31): Received CDA. Exception
cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded CDA document |
03/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Second Home | Purchase | D | B | C | A | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114067 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | D | B | C | A | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113278 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-03-18): Accepted as is. |
03/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000113278 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Missing Final 1003s for all borrowers on loan. | Reviewer Comment (2026-03-26): Received, Clearing. Seller Comment (2026-03-25): Comment from XXXX (XXXX): Please see attached |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000114633 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-19): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-03-18): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and rate lock agreements documents |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114633 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure Provided | Reviewer Comment (2026-03-19): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-03-18): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and rate lock agreements documents |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114633 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Need verification for omitting the XXXX and XXXX accounts from the DTI calculation. | Reviewer Comment (2026-03-25): Received, Clearing. Seller Comment (2026-03-25): Comment from XXXX (XXXX): uploaded LOE document |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000117547 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-22): XXXX Received Corrected
pccd and LOE with correct fee name. Seller Comment (2026-04-21): Comment from XXXX (XXXX): uploaded PCCD and LOE Reviewer Comment (2026-03-26): XXXX received LOE, however wire fee was disclosed without title prefix. If fee a title fee, corrected PCCD updating title prefix and LOE are required. Seller Comment (2026-03-24): Comment from XXXX (XXXX): uploaded LOE document Reviewer Comment (2026-03-23): XXXX No New Document received for added the fee and provided XXXX COC in the loan file does not give sufficient information on why the wire protection fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): Uploaded LOE, ICD, COC, and Rate Lock Agreement |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 2000000428 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for refinance of vacant property in DSCR
Program. Compensating factors are reserves and very low LTV. |
Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): Client elects to
waive/regrade with compensating factors. |
03/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000112590 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file as borrower is a 1099 employee and started XXXX and Inspector agency on XXXX which does not have 2 years however he has been working for XXXX Inspections XXXX since XXXX. The current YTD income does not support the income used to qualify. Also, the borrower recently started receiving income from XXXX as of XXXX to their company. Compensating factors include LTV XXXX% FICO> XXXX DTI XXXX% | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-19): Lender exception
approved |
03/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000117086 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Guideline | The Earnest Money Deposit is unsourced. Please provide source documentation for the Earnest Money Deposit. | - | Missing source of EMD in the amount of XXXX | Reviewer Comment (2026-04-20): EMD not required to
qualify |
04/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000117086 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | XXXX (XXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of XXXX. | Missing source of EMD in the amount of XXXX | Reviewer Comment (2026-04-20): EMD not required to
qualify |
04/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Second Home | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117086 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Missing source of EMD in the amount of XXXX | Reviewer Comment (2026-04-20): EMD not required to
qualify |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000118910 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX.XXXX Sufficient or excess cure was provided to the borrower at Closing. | Fee Amount of XXXX exceeds tolerance of XXXX.Sufficient was provided to the borrower at Closing. | Reviewer Comment (2026-03-19): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118910 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-03-25): Sufficient reserves
verified with additional EMD verification Seller Comment (2026-03-25): Comment from XXXX (XXXX): XXXX XXXX: Please note that discrepancy is that the investor is not including an additional XXXX k deposit that was already verified by the title company. Please see attached title receipt and proof of transfer. |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118910 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR due to insufficient reserves | Reviewer Comment (2026-03-25): Sufficient reserves
verified with additional EMD verification Seller Comment (2026-03-25): Comment from XXXX (XXXX): XXXX XXXX: Please note that discrepancy is that the investor is not including an additional XXXX k deposit that was already verified by the title company. Please see attached title receipt and proof of transfer. |
03/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118910 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR due to insufficient reserves | Reviewer Comment (2026-03-25): Sufficient reserves
verified with additional EMD verification Seller Comment (2026-03-25): Comment from XXXX (XXXX): XXXX: Please note that discrepancy is that the investor is not including an additional XXXX deposit that was already verified by the title company. Please see attached title receipt and proof of transfer. |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116899 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is misisng. | Reviewer Comment (2026-03-30): Received Fraud report.
Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see attached |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000116899 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2026-03-30): Received Fraud report.
Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see attached. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000116899 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review
coming back within tolerances. |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000116899 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | CLTV of XXXX% exceeds guidelines CLTV of XXXX%, due toXXXX reduction due to declining market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-01): Client elects to waive with
compensating factors Seller Comment (2026-04-01): Comment from XXXX (XXXX): Please see attached exception form Reviewer Comment (2026-03-30): Fully Executed Lender Exception from XXXX is required. Exception Remains. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see exception that was already approved with XXXX% LTV. |
04/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000116899 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | LTV of XXXX% exceeds guidelines of LTV of XXXX%, due to XXXX reduction in LTV due to declining market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-01): Client elects to waive with
compensating factors Seller Comment (2026-04-01): Comment from XXXX (XXXX): Please see attached exception form Reviewer Comment (2026-03-30): Fully Executed Lender Exception from XXXX is required. Exception Remains. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see exception that was already approved with XXXX% LTV. |
04/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 2000000469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-19): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Reviewer Comment (2026-03-24): XXXX received XXXX CD
received 3 business days prior to consummation. |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 2000000469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of XXXX exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-19): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000469 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to use future retirement income that starts in July of XXXX. Borrower is retiring at the end of June. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-19): Lender exception
approved |
03/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000116903 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review
coming back within tolerances. |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000122047 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-24): Clearing based on review
coming back within tolerances. |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000117959 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Reviewer Comment (2026-04-06): Rider provided. Cleared. Seller Comment (2026-04-06): Comment from XXXX (XXXX): Please see attached |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000117959 | XXXXX | XXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease Agreement is missing. | Reviewer Comment (2026-04-07): After further review,
exception has been cleared. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-04-06): Provide Lease Agreement or XXXX. Exception remains. Seller Comment (2026-04-06): Comment from XXXX (XXXX): Please see attached borrower LOE. Borrower rents out this property several weeks of the year, perhaps similar to an XXXX. Check details were located in investor portal on pages 184-206 that reflects rents received. |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000118026 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing Donor Check/Receipt for Gift Funds of XXXX | Reviewer Comment (2026-03-30): Received evidence the $XXXX
difference was refunded back to the borrower therefore gift letter is
valid Reviewer Comment (2026-03-26): Still need the updated Gift letter in the amount of $XXXX. Seller Comment (2026-03-26): Comment from XXXX (XXXX): $XXXX k check - only used $XXXX k gift. Please see evidence of $XXXX k refund to donor. No updated gift letter required. Please clear. Reviewer Comment (2026-03-24): Please provide updated gift letter reflecting the $XXXX amount that was gifted. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Final CD & Final Settlement Statement confirm $XXXX k gift. Per title email & $XXXX k check copy, refund provided. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000115866 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | no cure was provided. | Reviewer Comment (2026-04-22): XXXX Received Corrected
PCCD and LOE. Seller Comment (2026-04-21): Comment from XXXX (XXXX): uploaded pccd and loe documents Reviewer Comment (2026-03-26): XXXX received COC dated XXXX and LOE with reason for change is due to product change and updated fee sheet received from title. However, as per file the loan product was not changed from XXXX and receipt of new title sheet also required reason as to what new changes has been received to lender/title that required the new service fee for Tax Cert. Seller Comment (2026-03-24): Comment from XXXX (XXXX): uploaded LOE, COC, and ICD documents |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000115523 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing HOA verification | Reviewer Comment (2026-03-31): Received HOA Verification.
Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): uploaded HOA document Reviewer Comment (2026-03-24): Provide HOA for -XXXX (XXXX). Exception remains. Seller Comment (2026-03-24): Comment from XXXX (XXXX): uploaded requested HOA document |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000118891 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118891 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the appraisal invoice reflecting an amount of $XXXX, along with documentation for additional assets totaling $XXXX to satisfy the reserve requirement. Without proof this fee was paid outside of closing, the loan will be short cash to close. | Reviewer Comment (2026-04-02): Received POCB Appraisal
Invoice of $XXXX. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118891 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Provide a copy of the credit Report invoice reflecting an amount of $XXXX, along with documentation for additional assets totaling $XXXX to satisfy the reserve requirement. Without proof this fee was paid outside of closing, the loan will be short cash to close. | Reviewer Comment (2026-04-02): Received Credit Report
Invoice. Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Hello, please see attached Credit Report invoice and PCCD updated to show the correct Credit Report Fee amount, thank you. Reviewer Comment (2026-04-02): The invoice received is not related to the credit report fee. Please provide the correct invoice for the amount of XXXX. Exception remains. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118891 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-24): Accepted as is. |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118891 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-03): Received, Clearing. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Hello, please see attached Credit Report invoice and PCCD updated to show the correct Credit Report Fee amount, thank you. Reviewer Comment (2026-04-02): The invoice received is not related to the credit report fee. Please provide the correct invoice for the amount of XXXX. Exception remains. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
04/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118891 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. | Reviewer Comment (2026-04-03): Received, Clearing. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Hello, please see attached Credit Report invoice and PCCD updated to show the correct Credit Report Fee amount, thank you. Reviewer Comment (2026-04-02): The invoice received is not related to the credit report fee. Please provide the correct invoice for the amount ofXXXX. Exception remains. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118891 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-04-03): Received, Clearing. |
04/03/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000118611 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-26): Clearing based on review
coming back within tolerances. |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000118585 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Short XXXX tradeline on credit report. Borrower has XXXX mortgage and current prior rental verified XXXX months and also owns one REO free and clear. Approved with LTV at XXXX%, XXXX months reserves and FICO XXXX, DSCR is XXXX. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-25): Lender exception
approved |
03/25/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing in file. | Reviewer Comment (2026-03-27): Cleared occupancy cert
received Seller Comment (2026-03-27): Comment from XXXX (XXXX): uploaded requested occupancy document |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Borrower not provided First Lien Refinance Notice. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000115710 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Commitment in file. | Reviewer Comment (2026-03-26): Accepted as is. |
03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000114274 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Missing evidence of borrower receipt of initial closing disclosure | Reviewer Comment (2026-04-01): XXXX received XXXX CD
received 3 business days prior to consummation. Seller Comment (2026-03-31): Comment from XXXX (XXXX): LL XXXX Please see attached |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114274 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-14): XXXX received CD and rate
lock document Seller Comment (2026-04-10): Comment from XXXX (XXXX): XXXX XXXX The cost for the rate on XXXX was $ XXXX due to the change in rate and loan amount. Then on XXXX there was a 6 day lock-extension which caused the price for the rate to change from XXXX% or $ XXXX to XXXX% or $ XXXX. On wholesale loans lock actions are acceptable changes in circumstance. Please see the attached Lock Confirmations and Closing Disclosure. Reviewer Comment (2026-04-06): XXXX: The COC dated XXXX that was provided in the trailing images was also provided in the original loan package. However, the further increase of $ XXXX from $ XXXX on XXXX CD and file does not contain valid COC for the fee was increased. A valid COC for the fee increased or Cure is required to borrower. Seller Comment (2026-04-02): Comment from XXXX (XXXX): LL XXXX on XXXX there was a CofC to change the loan amount and the rate which caused a change in the pricing. A Closing Disclosure went out to the borrower on the same day to redisclose. Please see the attached CofC, Lock Confirmation, and CD. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114274 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of XXXX exceeds tolerance of XXXX. XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-06): XXXX received valid
rebuttal comment and supporting XXXX COC for the re-inspection fee added. Seller Comment (2026-04-02): Comment from XXXX (XXXX): LL XXXX On XXXX the Appraisal was completed and came back subject to repairs. This triggered the need for a final inspection. A CofC was submitted on the same day and an LE went out to the borrower. |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114274 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state on a purchase transaction the seller must be on title for a minimum of XXXX days, (from the date seller takes title to the date the sales contract is executed). The subject property is new construction. The seller/builder acquired the property by deed dated XXXX and recorded XXXX. The purchase agreement is dated XXXX. A relationship between the seller and the previous owner was unable to be documented. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): Client elects to waive with
compensating factors |
03/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000116704 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXX. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-04-01): XXXX received COC and
LOE Seller Comment (2026-03-30): Comment fromXXXX (XXXX): uploaded LOE, LE, and COC documents |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117361 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-03-27): Accepted as is. |
03/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000121034 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA Letter is missing. | Reviewer Comment (2026-04-02): Received CPA. Exception
cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121034 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Bank statement is missing for #XXXX. | Reviewer Comment (2026-04-02): Received updated 1008
confirms that the verified assets total $XXXX; therefore, assets from account
number XXXX are not required. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please kindly see the attached 1008 + 1003 showing the correct assets. Thank you. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121034 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Bank statement is missing for #XXXX. | Reviewer Comment (2026-04-02): Received updated 1008
confirms that the verified assets total $XXXX; therefore, assets from account
number XXXX are not required. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please kindly see the attached 1008 + 1003 showing the correct assets. Thank you. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121034 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121034 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-02): Received CPA. Exception
cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-04-02): CPA letter is missing. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please kindly see the attached 1008 + 1003 showing the correct assets. Thank you. |
04/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000121034 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | CPA letter is missing. | Reviewer Comment (2026-04-02): Received CPA. Exception
cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-04-02): CPA letter is missing. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please kindly see the attached 1008 + 1003 showing the correct assets. Thank you. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116801 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000116036 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-01): Desk review received and
supports primary appraisal Seller Comment (2026-04-01): Comment from XXXX (XXXX): uploaded requested document |
04/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-07): XXXX received detailed LOE
to support VCC dated XXXX. Seller Comment (2026-04-03): Comment from XXXX (XXXX): uploaded LOE, LE, and COC documents |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of XXXX exceeds tolerance of XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-07): XXXX received detailed LOE
to support VCC dated XXXX. Seller Comment (2026-04-03): Comment fromXXXX (XXXX): uploaded LOE, LE, and COC documents |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXX. Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-07): XXXX received detailed LOE
to support VCC dated XXXX. Seller Comment (2026-04-03): Comment from XXXX (XXXX): uploaded LOE, LE, and COC documents |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000117351 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at XXXX | Reviewer Comment (2026-04-08): RCE disclosed on the
hazard, cleared Seller Comment (2026-04-08): Comment from XXXX (XXXX): uploaded requested |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000117468 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | VOE no more than XXXX business days prior to the note was not in file. | Reviewer Comment (2026-04-08): VVOE completed post note
date, which is acceptable per AUS Reviewer Comment (2026-04-03): Received VVOE completed after Note date. Provide VVOE no more than 10 business days prior to the note. Exception remains. Seller Comment (2026-04-03): Comment from XXXX (XXXX) Please see attached VVOE. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000122068 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-02): Clearing based on review
coming back within tolerances. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000119295 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119526 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119526 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119940 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (XXXX): Safe Harbor requirements not satisfied. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121117 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120381 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-03-31): Accepted as is. |
03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000120381 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Incomplete Fraud Report provided in a file | Reviewer Comment (2026-04-01): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Please see attached complete Fraud report |
04/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118893 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118893 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119939 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119939 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119939 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-06): Clearing based on review
coming back within tolerances. |
04/06/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000120959 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120959 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-08): Clearing based on review
coming back within tolerances. |
04/08/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000119240 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118892 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118892 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-01): Accepted as is. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118892 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-07): Clearing based on review
coming back within tolerances. |
04/07/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000122102 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | 1004 Valuation in file. A secondary valuation was not located in file. | Reviewer Comment (2026-04-02): Received UCDP Submission
Summary report with CU score of XXXX. Hence secondary valuation is not
required. Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): SSRuploaded |
04/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122102 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-09): Clearing based on review
coming back within tolerances. |
04/09/2026 | No | 1 | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000119276 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122011 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-04-09): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): Fraud Report |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122011 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. No cure provided. | Reviewer Comment (2026-04-23): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-22): Comment from XXXX (XXXX): Cure Reviewer Comment (2026-04-10): XXXX received Corrected CD. Missing LOE to borrower, Copy of Refund Check, proof of mailing. Seller Comment (2026-04-08): Comment from XXXX (XXXX): PCCD |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122011 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing appraisal for departure residence pending sale as required per guidelines | Reviewer Comment (2026-04-22): Departure Residence 1004
provided. Cleared. Seller Comment (2026-04-22): Comment from XXXX (XXXX): Appraisal for Departing Res |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118775 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120089 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-09): Clearing based on review
coming back within tolerances. |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000120089 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least XXXX(XXXX) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least XXXX (XXXX ) business days prior to closing, and appraisal was not provided at or before closing | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000120089 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000121489 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP score was not provided. A secondary valuation is required to support the primary value for securitization purposes | Reviewer Comment (2026-04-03): Received UDCP report.
Exception cleared. Seller Comment (2026-04-03): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
04/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | B | A | A | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121489 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | D | B | A | A | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121215 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121215 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121215 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-14): Cleared based on review
coming back within tolerances |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122442 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Clearing based on review
coming back within tolerances. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122442 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing Lease Agreement for REO | Reviewer Comment (2026-04-13): Received, Clearing. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Lease Agreement - XXXX Reviewer Comment (2026-04-13): Please provide Lease agreement for REO located at XXXX. Exception remains. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Lease agreements for REOs: XXXX, XXXX, and XXXX |
04/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122442 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (XXXX% Method) using reasonably reliable third-party records. | Missing Lease Agreement | Reviewer Comment (2026-04-13): Received, Clearing. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Lease Agreement - XXXX |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122442 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX . | Reviewer Comment (2026-08-05): There were additional
assets on file that were not previously considered. After including the
assets, there were sufficient reserves verified. Reviewer Comment (2026-08-05): reopened Reviewer Comment (2026-04-13): Received, Clearing. |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122442 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-04-30): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-29): Comment from XXXX(XXXX): XXXX Tracking Reviewer Comment (2026-04-28): XXXX received Post CD,LOX,Copy of refund check and proof of mailng .XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-04-27): Comment from XXXX (XXXX): Shipping label for cure check Reviewer Comment (2026-04-24): XXXX received corrected Closing disclosure, LOE and copy of refund check. However, the proof of mailing to borrower was not located in trailing documents. Please provide proof of mailing to borrower to complete remediation. Seller Comment (2026-04-23): Comment from XXXX (XXXX): Corrected PCCD, Check with Cure amount, and proof of mailing. Reviewer Comment (2026-04-22): XXXX received LOE for cure, however we also require PCCD, proof of mailing & copy of refund check to cure the exception. Seller Comment (2026-04-21): Comment from XXXX (XXXX): All documents showing cure sent to borrower. Reviewer Comment (2026-04-20): XXXX received LOE. After finalizing the PCCD the XXXX% fees are still over the XXXX% tolerance. However, the Title fees were disclosed in Section B which are tested at XXXX% tolerance. Provider listed on SSPL is XXXX. Fees on CD were paid to XXXX. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure. Seller Comment (2026-04-17): Comment from XXXX (XXXX): LOE Reviewer Comment (2026-04-15): XXXX received corrected PCCD reconciled with the final SS but missing LOE to borrower accompanying CD. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Not sure where the tolerance fail is coming from. The endorsement fee increased by $XXXX at closing to the final HUD, however, the recording fee went down from $XXXX to $XXXX which would have offset this. There should be no cure needed as our mavent passed. Which CD is this being compared to? We do not have a mavent fail on our end. |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122442 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | XXXX reflects Appraisal sent XXXX. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122152 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Enhanced Review order
cancelled by the client. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | ||||||||||||
| XXXXX | 4000122152 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant XXXX (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure is dated XXXX . | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-04-14): Received Fraud report.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Cleared FG attached |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 is missing. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate is missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Refer to the attached property profile for tax verification |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate is missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Refer to the attached property profile for tax verification |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Tax Verification.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Tax Cert Reviewer Comment (2026-04-14): Received property profile, however which is not confirming tax. Exception remains. Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX - is free and clear. Hence, HOI is not applicable. Refer to the attached property profile for tax verification. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX - is free and clear. Hence, HOI is not applicable. Refer to the attached property profile for tax verification. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX - is free and clear. Hence, HOI is not applicable. Refer to the attached property profile for tax verification. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate is missing. | Reviewer Comment (2026-04-14): Received Tax Certificate.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Subject property tax cert attached |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Attached |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX - is free and clear. Hence, HOI is not applicable. Refer to the attached property profile for tax verification. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX - is free and clear. Hence, HOI is not applicable. Refer to the attached property profile for tax verification. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX - is free and clear. Hence, HOI is not applicable. Refer to the attached property profile for tax verification. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance and Tax Certificate are missing. | Reviewer Comment (2026-04-14): Received Property history
report. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): XXXX - - is free and clear. Hence, HOI is not applicable. Refer to the attached property profile for tax verification. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXXX is less than required reserves of $XXXX | Reviewer Comment (2026-04-14): Verified sufficient
reserves with cash out Seller Comment (2026-04-14): Comment from XXXX (XXXX): Borrower received $XXXX in proceeds |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XXXX used as disbursement date for compliance testing. | Closing Disclosure in file reflects Disbursement date is XXXX . | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2026-04-14): Final HUD received Seller Comment (2026-04-14): Comment from XXXX (XXXX): This is a NON-TRID transaction - attached is the HUD |
04/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000113423 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing EIN XXXX. | Reviewer Comment (2026-04-14): Received Business entity
listing with EIN. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): EIN listed on XXXX Business Site |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | A | D | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000114473 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX plus XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| XXXXX | 4000117960 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule XXXX): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (XXXX) business days of application or determination of first lien status. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000117960 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy certificate | Reviewer Comment (2026-04-08): Received Occupancy
Certificate. Exception cleared. Seller Comment (2026-04-08): Comment from XXXX ( XXXX): uploaded occupancy doc |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000122018 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing a copy of Certificate of Good Standing | Reviewer Comment (2026-04-13): Received Certificate of
Good Standing. Exception cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): XXXX - XXXX: Please see attached. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123127 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123917 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000119126 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119126 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119126 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119126 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (XXXX) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119126 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (XXXX): List of Homeownership Counseling Organizations not provided to applicant within three (XXXX) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119126 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of $XXXX is greater than Guideline maximum loan amount of $XXXX | Borrower has been employed in the same industry for more
than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-14): Client exception
received. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
04/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000119115 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121613 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay XXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing W-2/paystub (LES/ETS) or WVOE income documents. | Reviewer Comment (2026-04-10): Received WVOE. Exception
cleared. |
04/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000121469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. | Missing W-2/paystub (LES/ETS) or WVOE income documents. | Reviewer Comment (2026-04-10): Received WVOE. Exception
cleared. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Missing W-2/paystub (LES/ETS)/WVOE income documents. | Reviewer Comment (2026-04-10): Received WVOE. Exception
cleared. |
04/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121469 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | The source of funds for the $XXXX gift is missing. | Reviewer Comment (2026-04-10): Received Wire Confirmation
- Fed Ref Number. Exception cleared. Seller Comment (2026-04-10): Comment from XXXX (XXXX): Wire Receipt Reviewer Comment (2026-04-09): Received the gift letter, Need the donor check, or wire receipt and source of funds for the gift. Seller Comment (2026-04-09): Comment from XXXX (XXXX): Gift letter for $XXXX |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121469 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing W-2/paystub (LES/ETS) or WVOE income documents. | Reviewer Comment (2026-04-10): Received WVOE. Exception
cleared. Seller Comment (2026-04-10): Comment from XXXX (XXXX): Verification of employment |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing W-2/paystub (LES/ETS) or WVOE income documents. | Reviewer Comment (2026-04-10): Received WVOE. Exception
cleared. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121469 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Enhanced Review order
cancelled by the client. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000123434 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant 3 business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120610 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal delivered to the borrower was not found in file. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120610 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121378 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Enhanced Review order
cancelled by the client. Reviewer Comment (2026-04-16): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-04-16): Comment from XXXX (XXXX): Please advise on the status of this condition |
04/16/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000120429 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification was not found in file for REO XXXX . | Reviewer Comment (2026-04-13): Property is vacant land,
received letter of explanation. Exception cleared. Seller Comment (2026-04-13): Comment from XXXX ( XXXX): uploaded LOE. REO property in question is Land |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000118944 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt Of Appraisal is missing. | Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000123494 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123494 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000122092 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121159 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121033 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal delivered to borrower was not provided | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121326 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121326 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123788 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121892 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000121488 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | Reviewer Comment (2026-04-16): Short-term rent property
and vacation rental income statement is available. Exception cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): This is a short-term rent property and a Short term review |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121488 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | A | A | A | A | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000121890 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000122863 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | XXXX Provide with appraisal, but property seems to be a STR. XXXX shows SXXXX, which gives a DSCR score of XXXX. Exception is to use XXXX report at XXXX occupancy; monthly rent is $XXXX, which gives a DSCR score of XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-14): Lender exception
approved |
04/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000122863 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-04-14): Client elects to waive |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122863 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121280 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-16): Enhanced Review order
cancelled by the client. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000121280 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121280 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title in file does not list coverage amount. Title Commitment in file not completed. | Reviewer Comment (2026-04-14): Accepted as is. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122873 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122873 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-04-14): Client elects to waive |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121733 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | D | B | A | A | D | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121733 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section XXXX: Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the Fair Market Value not properly executed by the Lender. | Reviewer Comment (2026-04-17): Received, Clearing. Seller Comment (2026-04-16): Comment from XXXX: Hello, please see attached, thank you. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | A | A | D | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123248 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000122752 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124087 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124087 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124087 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Please provide the Trust Agreement for Account ending in #XXXX. | Reviewer Comment (2026-04-29): Received Trust Agreement.
Exception cleared. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Hello, please see attached. Reviewer Comment (2026-04-17): We need the trust to verify the uses of the funds from the account. Buyer Comment (2026-04-16): Comment from XXXX: Hello, the bank statement shows that the Borrower is the Trustee on Pg.1 of the statement. Therefore, the bank statement itself should be sufficient. Thank you. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000123213 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000122885 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121528 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000123131 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123131 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX or Final Disclosure APR ofXXXX is equal to or greater than the threshold of APORXXXX Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-04-17): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-04-17): Comment fromXXXX (XXXX: HPML Checklist |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123131 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-17): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-04-17): Comment from XXXX: Appraisal Receipt |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122516 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation are missing. | Reviewer Comment (2026-04-17): Received Articles of Organization/Formation.
Exception cleared. Seller Comment (2026-04-17): Comment from XXXX: Please see uploaded articles of organization. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122516 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing for REO XXXX. | Reviewer Comment (2026-04-17): Received Lease agreement.
Exception cleared. Seller Comment (2026-04-17): Comment from XXXX: Lease Agreement for XXXX |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Email XXXX in file reflects Appraisal sent XXXX. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Email XXXX reflects Appraisal sent XXXX. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Originator Loan Designation of Non QM updated from guidelines. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | New York Subprime Loan: Counseling Disclosure is missing. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Default Rider in file. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | New York Subprime Loan Disclosure is missing. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX or Final Disclosure APR ofXXXX is in excess of allowable threshold of Prime Mortgage Market Rate XXXX. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Non-Compliant Sub Prime Loan. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance ofXXXX plus 1XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-16): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease agreement for REO and VVOE within XXXX days not in file. | Reviewer Comment (2026-04-20): VVOE and Lease Agreement
provided. Cleared. Buyer Comment (2026-04-20): Comment from XXXX: Is there anything needed to clear this besides the lease agreement and updated VVOE provided? |
04/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (XXXX Method) using reasonably reliable third-party records. | Lease agreement is missing | Reviewer Comment (2026-04-20): VVOE and Lease Agreement
provided. Cleared. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX): General Ability-to-Repay requirements not satisfied. | Lease agreement is missing | Reviewer Comment (2026-04-20): VVOE and Lease Agreement
provided. Cleared. |
04/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of Employment is not within XXXX business days of the Note. | Reviewer Comment (2026-04-20): Received VVOE. Exception
cleared. Seller Comment (2026-04-20): Comment from XXXX: VVOE for XXXX Reviewer Comment (2026-04-17): As per final 1003 Income from the employer - XXXX is used for qualification. Exception remains. Seller Comment (2026-04-17): Comment from XXXX: Final 1003 doesn't use employer in income calculation. Reviewer Comment (2026-04-17): As per 1003 and WVOE employer is - XXXX. Required VVOE for the same. Exception remains. Buyer Comment (2026-04-17): Comment from XXXX: Provided VVOE for both sources of income. XXXX and XXXX) There is no employer XXXX Reviewer Comment (2026-04-17): Required VVOE for the Employment - XXXX. Exception remains. Seller Comment (2026-04-17): Comment from XXXX: VVOE with reverification date XXXX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lease agreement for REO and VVOE within XXXX days not in file | Reviewer Comment (2026-04-20): VVOE and Lease Agreement
provided. Cleared. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000125363 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Trust Agreement is missing. | Reviewer Comment (2026-04-17): Trust Agreement not
required. Exception cleared. Buyer Comment (2026-04-17): Comment from XXXX: File not closed in a trust |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000123555 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123555 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The file is missing a copy of Employer Identification Number (EIN) | Reviewer Comment (2026-04-27): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-04-27): Comment from XXXX: XXXX EIN number |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122761 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000122761 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | Reviewer Comment (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000123885 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. A cure of $XXXX was provided. | Reviewer Comment (2026-04-16): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123905 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000123905 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000121216 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117957 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. | The verification appraisal that was delivered to the borrower was not found in file. | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000123033 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000121846 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121846 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Approved Status reflects Each Borrower must have a minimum of three (3) tradelines from traditional credit sources that reported for XXXXs or more, with at least one (1) of these must be open and active for the last 12 months. The Borrower has XXXX tradelines reporting for XXXX and XXXX months, but none have been open and active within past twelve (12) months. The Borrower currently has XXXX tradelines that are currently open and active reporting for XXXX and XXXX months with the other an authorized user account. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-20): Lender exception
approved |
04/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000123170 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123170 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA, does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123170 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing invoices to evidence the POC fees were paid outside of closing. | Reviewer Comment (2026-04-20): Clear, with POCB invoice Seller Comment (2026-04-20): Comment from XXXX: Hello, please see attached. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122124 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122124 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-24): Cleared with evidence of
boat slip Seller Comment (2026-04-24): Comment from XXXX: This is a boat slip/landing. Docs attached with HOA dues. No HOI dues on Boat landings. Please waive cond. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122124 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Policy is short of $XXXX; need replacement cost estimator or updated hazard policy covering Loan Amount. | Reviewer Comment (2026-05-04): Received RCE. Exception
cleared. Seller Comment (2026-05-04): Comment from XXXX: see attached Reviewer Comment (2026-04-29): File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. Exception remains. Seller Comment (2026-04-29): Comment from XXXX: see attached rebuttal and LOE from Ins agent. |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122124 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123171 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122896 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount ofXXXXexceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-21): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000122896 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount ofXXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-21): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000122896 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (XXXX) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122988 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-23): Clearing based on review
coming back within tolerances. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120624 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120624 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-24): Amount/Incorrect Data
Entry. Upon further review consumer within 0% tolerance requirements. Buyer Comment (2026-04-22): Comment from XXXX: Hello, the Transfer Tax was disclosed as $XXXX on the Initial LE, which is the baseline, and XXXX on the Consummation CD. Therefore, there was no increase. We believe the Reviewer is confusing the Recording Fee on the Initial LE, which was disclosed as $XXXX and comparing it with the Transfer Tax on the Consummation CD, which is XXXX. Could you please kindly waive this condition as we feel that it does not apply to our loan? Thank you. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122635 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-24): Clearing based on review
coming back within tolerances. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000124104 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash from Borrower. | Reviewer Comment (2026-04-22): With using the PCCD and
Final closing statement, sufficient funds to close have been verified Reviewer Comment (2026-04-22): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Seller Comment (2026-04-22): Comment from XXXX: We have already included the post-CD in the closing package. We would appreciate it if you could kindly double-check it. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124104 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Paid invoice for the appraisal is missing. | Reviewer Comment (2026-04-22): With using the PCCD and
Final closing statement, sufficient funds to close have been verified Buyer Comment (2026-04-22): Comment from XXXX: We have never sent an invoice for the appraisal before. Is there a specific reason it is being requested this time? If not, we would appreciate it if you could kindly waive it. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124104 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Paid invoice for the credit report is missing. | Reviewer Comment (2026-04-22): With using the PCCD and
Final closing statement, sufficient funds to close have been verified Buyer Comment (2026-04-22): Comment from XXXX: We have never sent an invoice for the credit report before. Is there a specific reason it is being requested this time? If not, we would appreciate it if you could kindly waive it. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124104 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided | Reviewer Comment (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124104 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided | Reviewer Comment (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124104 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Available for Closing is insufficient to cover Cash from Borrower. | Reviewer Comment (2026-04-22): With using the PCCD and
Final closing statement, sufficient funds to close have been verified Buyer Comment (2026-04-22): Comment from XXXX: We have already included the post-CD in the closing package. We would appreciate it if you could kindly double-check it. |
04/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000124104 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Available for Closing is insufficient to cover Cash from Borrower. | Reviewer Comment (2026-04-22): With using the PCCD and
Final closing statement, sufficient funds to close have been verified Seller Comment (2026-04-22): Comment from XXXX: We have already included the post-CD in the closing package. We would appreciate it if you could kindly double-check it. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123937 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-24): Clearing based on review
coming back within tolerances. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126202 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-24): Clearing based on review
coming back within tolerances. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121956 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-04-29): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-04-29): Comment from XXXX: EIN from IRS Reviewer Comment (2026-04-28): Required Employer Identification Number (EIN) for business - XXXX to clear the exception. Exception remains. Seller Comment (2026-04-28): Comment from XXXX: Receipt for Name Change Reviewer Comment (2026-04-28): EIN documentation received reflects the borrower's prior business name, XXXX. EIN documentation for XXXX is required. Exception remains. Seller Comment (2026-04-28): Comment from XXXX: EIN for XXXX Reviewer Comment (2026-04-24): Per guidelines EIN is required for all entity's. Buyer Comment (2026-04-24): Comment from XXXX: EIN=SSN. DSCR doesn't use any employment/income and only relies on cash flowing the investment property, so no employer information is supposed to be present. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123331 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123331 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX or Final Disclosure APR of XXXX is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Non-Compliant as the loan is missing evidence the borrower received a copy of the appraisal 3 days prior to closing. | Reviewer Comment (2026-04-28): Received Acknowledgement of
Receipt of Appraisal signed by the borrower at closing, confirming the
receipt of Appraisal 3 days prior to closing. Exception cleared. Seller Comment (2026-04-28): Comment from XXXX: Hello, please see attached. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123331 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-28): Received Acknowledgement of
Receipt of Appraisal signed by the borrower at closing, confirming the
receipt of Appraisal 3 days prior to closing. Exception cleared. Seller Comment (2026-04-28): Comment from XXXX: Hello, please see attached. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124634 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Operating Agreement is missing for XXXX. | Reviewer Comment (2026-04-23): Received Operating
Agreement confirming borrower's ownership in the business. Exception
cleared. Seller Comment (2026-04-23): Comment from XXXX: Operating Agreement for XXXX |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122019 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000125923 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-27): Clearing based on review
coming back within tolerances. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000125923 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least 12 months of Operating History is not present in the loan file. | Short Term Rental used consistently as a seasonal or vacation rental requires at least 12 months of Operating History, which is not present in the loan file. | Reviewer Comment (2026-04-24): Received 12 months
Operating History. Exception cleared. Seller Comment (2026-04-23): Comment from XXXX: Please see uploaded short-term rental documentation. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124982 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-27): Clearing based on review
coming back within tolerances. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124982 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception to First Colony guide for a loan amount over $XXXX DSCR at XXXX% LTV | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-23): Lender exception
approved |
04/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000124982 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000126481 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower has multiple loans with XXXX, Over XXXX, As per
guidelines a single borrower shall not exceed $XXXX in current unpaid
principal balance (UPB). Compensating Factors are Borrower has deep credit history and reserves in excess. |
Reviewer Comment (2026-04-30): Guideline allows $XXXX
Million in exposure which was met Reviewer Comment (2026-04-29): Guidelines in file limit exposure to $XXXX. Seller Comment (2026-04-29): Comment from XXXX: please see attached Reviewer Comment (2026-04-27): Exception request must go to the buyer portal. Seller Comment (2026-04-27): Comment from XXXX: see attached |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000126481 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-29): Clearing based on review
coming back within tolerances. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000125740 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-29): Clearing based on review
coming back within tolerances. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125740 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Second lien being paid off is the same original lender as the subject loan. | Reviewer Comment (2026-04-24): Accepted as is. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123456 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-29): Clearing based on review
coming back within tolerances. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000122587 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-29): Clearing based on review
coming back within tolerances. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000123162 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | No evidence in file of primary housing history. | Reviewer Comment (2026-04-30): Provided. Clearing. Seller Comment (2026-04-30): Comment from XXXX: Supplemental Report |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | TX | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124802 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-24): Accepted as is. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126361 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The file did not contain an estimated cost to replace from insurer. Calculations are based on XXXX of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost, the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX | Reviewer Comment (2026-04-27): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-04-27): Comment from XXXX: Please see uploaded insurance agent confirmation of XXXX % replacement cost coverage. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122026 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for the borrower living rent free on a DSCR loan. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-27): Lender exception
approved |
04/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125600 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. ARM Rider was signed XXXX. | Reviewer Comment (2026-05-06): ARM disclosure received
dated XXXX, which is product changed Reviewer Comment (2026-05-04): ARM loan program disclosure not provided to the borrower within three (3) days of application. ARM Rider provided was signed XXXX. Exception remains. Seller Comment (2026-05-04): Comment from XXXX: arm disclosure uploaded |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000125470 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-29): Clearing based on review
coming back within tolerances. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123315 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123315 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-27): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000122279 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Notice of Special Flood Hazard Disclosure was not signed and dated by Borrower. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000572 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000575 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification that the appraisal was delivered to the borrower was not provided. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126949 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in file. | Reviewer Comment (2026-04-30): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-30): Comment from XXXX: Fraud Report Attached |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123856 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000123856 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file is missing copy of Security Instrument. | Reviewer Comment (2026-05-04): Received Security
Instrument. Exception cleared. Seller Comment (2026-05-04): Comment from XXXX: DEED Reviewer Comment (2026-04-29): Received Note is already available in file. Please provide Security Instrument. Exception remains. Seller Comment (2026-04-29): Comment from XXXX: Note |
05/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000123856 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000123856 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-05-04): Received Legal Description.
Exception cleared. Seller Comment (2026-05-04): Comment from XXXX: Legal |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000123931 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | Reviewer Comment (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124499 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-29): Received UCDP Submission
Summary report with CU score less thanXXXX
Hence, Secondary Valuation is not required. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX: SSR |
04/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000119082 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119082 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127345 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy (XXXX) Effective date isXXXX | Reviewer Comment (2026-05-04): Received updated Hazard
Insurance Policy. Exception cleared. Seller Comment (2026-05-04): Comment from XXXX: Extension HOI uploaded Reviewer Comment (2026-05-01): As this is a refinance transaction, the hazard insurance policy must be active as of the closing date. The provided policy shows an effective date of XXXX, which is after the note date. Please provide a hazard insurance policy that is active as of the note date (XXXX) for the subject property. Exception Remains. Seller Comment (2026-05-01): Comment from XXXX: HOI Uploaded |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127345 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/CD is missing. | Reviewer Comment (2026-04-30): Received, Clearing. Seller Comment (2026-04-30): Comment from XXXX: Settlement Statement uploaded |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127345 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-05-20): Received Business Entity
Listing. Exception cleared. Seller Comment (2026-05-20): Comment from XXXX: Correct COGS uploaded Reviewer Comment (2026-05-04): Please provide COGS dated within 30 days prior to closing Seller Comment (2026-05-04): Comment from XXXX: GOGS uploaded |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123944 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not found in file. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123778 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-05): Clearing based on review
coming back within tolerances. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000123778 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | A valid UCDP Score was not provided. Secondary Valuation required. | Reviewer Comment (2026-05-06): UCDPs with acceptable risk
scores, cleared Seller Comment (2026-05-06): Comment from XXXX: ssr report. please review and advise. Reviewer Comment (2026-05-06): UCDP's with risk scores (XXXX) were not provided. A secondary valuation is required if an acceptable UCDP cannot be obtained Seller Comment (2026-05-06): Comment from XXXX: please review and advise |
05/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CO | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123209 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000126027 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126027 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000126027 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing. | Reviewer Comment (2026-05-01): Received Fraud report.
Exception cleared. Seller Comment (2026-05-01): Comment from XXXX: Please see attached |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126027 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000570 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor check was not found in file. | Reviewer Comment (2026-05-01): Received Wire confirmation.
Exception cleared. Buyer Comment (2026-05-01): Donor check |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000570 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000570 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure was not provided to borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-05-04): XXXX received updated CD
with proof of earlier receipt. |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 2000000646 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | As per guidelines, the maximum payment shock permitted is XXXX%. The lender exception form in the loan file for the lender exception is incomplete, provide completed lender exception form. | Borrower has verified disposable income of at least
$2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-01): Client elected to
waive/regrade with compensating factors. Lender exception provided. Buyer Comment (2026-05-01): Exception form |
05/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 2000000646 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-30): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000127600 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-06): Clearing based on review
coming back within tolerances. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123509 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal was not found in file. | Reviewer Comment (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | XXXX (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Reviewer Comment (2026-05-05): Received undiscounted
interest rate and price Buyer Comment (2026-05-05): Comment from XXXX : XXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | XXXX (HOEPA): HOEPA disclosure was not provided to the borrower. | Reviewer Comment (2026-05-05): Received undiscounted
interest rate and price Buyer Comment (2026-05-05): Comment from XXXX : XXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | XXXX (HOEPA): Mortgage loan financed Points and Fees. | Reviewer Comment (2026-05-05): Received undiscounted
interest rate and price Buyer Comment (2026-05-05): Comment fromXXXX : XXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | XXXX (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX of the amount past due or grace period of less than 15 days. | Reviewer Comment (2026-05-05): Received undiscounted
interest rate and price Buyer Comment (2026-05-05): Comment from XXXX: XXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $XXXX. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees of $XXXXon a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .XXXX%). Non-Compliant High Cost Loan. | XXXX (XXXX): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX versus an allowable total of $XXXX (an overage of $XXXX). Non-Compliant High-Cost Loan. | Reviewer Comment (2026-05-05): Received undiscounted
interest rate and price Seller Comment (2026-05-05): Comment from XXXX: XXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate (also known as undiscounted rate) is within XXXX% higher than APOR which allows for XXXX% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | XXXX (HOEPA): Pre-loan counseling requirements not met. | Reviewer Comment (2026-05-05): Received undiscounted
interest rate and price Buyer Comment (2026-05-05): Comment from XXXX: XXXX See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within XXXX% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-06): XXXX received a valid
COC. Seller Comment (2026-05-05): Comment from XXXX: XXXX The XXXX Loan Exception form was submitted on XXXX. It was subsequently added to the lock on XXXX and redisclosed to the borrower on the same day. This timeline is compliant. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-06): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-05-05): Comment from XXXX: XXXX Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Transfer Tax. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state that self-employed borrower income in a licensed profession will be considered from a business that has been in existence for less than two years but greater than one year if the borrower has at least two years of documented previous experience in the same profession, or evidence of formal education in a related field. XXXX is the business being used for income qualifications. The borrower owns XXXX% of the business and it was incorporated XXXX. CPA states the borrower has been self-employed in the same line of work as a tailor for more than two years. Additionally, the borrower worked at a XXXX XXXXXX from XXXX. The W2 has been provided, which supports the earnings were on average. The FICO is XXXX and the LTV is XXXX%. | Borrower has been employed in the same industry for more
than 5 years. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-04): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
05/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000125211 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000124599 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-05-11): Cleared- operating
agreement or equilavent Seller Comment (2026-05-11): Comment from XXXX: Per Novus UW - To take the place of the Operating agreement, they can use the CPA letter. They can also document the borrower's XXXX% ownership with the IRS EIN letter. Please advise. Thank you. Reviewer Comment (2026-05-08): Operating Agreement not received, Exception remains. Seller Comment (2026-05-08): Comment from XXXX: cpa letter in lieu of operating agreement |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123911 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2026-05-08): Updated disbursement date
via PCCD provided. Cleared. Seller Comment (2026-05-08): Comment from XXXX: Hello, Please see attached |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000123911 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125727 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to the borrower, but it was not provided. | Reviewer Comment (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122058 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000126318 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-07): Clearing based on review
coming back within tolerances. |
05/07/2026 | No | 1 | A | A | A | A | A | NV | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000121783 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-07): Clearing based on review
coming back within tolerances. |
05/07/2026 | No | 1 | A | A | A | A | A | MI | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000123789 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-07): Clearing based on review
coming back within tolerances. |
05/07/2026 | No | 1 | A | A | A | A | A | IL | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. | Loan Terms: Final Closing Disclosure provided on XXXX with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. Final CD list payment of $XXXX vs the calculated payment of XXXX. | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Buyer Comment (2026-05-22): LOE Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. Reviewer Comment (2026-05-05): The provided note indicates a payment amount of $XXXX. All note copies in the loan file reflect the same payment amount. Calculations indicate the payment amount should be $XXXX. The initial payment amount listed on the CD also shows a payment amount of $XXXX, but pay stream shows an initial payment of $XXXX. Cure requires reissue of note and final CD for testing and PCCD, LOE, Copy of any refund check required, reopening of RTC and proof of delivery to cure. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 2 of $XXXX vs calculated payment of $XXXX. | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 3 of $XXXX vs calculated payment of $XXXX. | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided onXXXX disclosed a periodic principal and interest payment for payment stream 4 of $XXXX vs calculated payment of $XXXX. | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. | Projected Payments: Final Closing Disclosure provided on XXXX disclosed a maximum periodic principal and interest payment for payment stream XXXX in the amount of $XXXX vs the calculated payment of $XXXX | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. | Projected Payments: Final Closing Disclosure provided on XXXX disclosed a maximum periodic principal and interest payment for payment stream 3 in the amount of $XXXX vs the calculated payment of $XXXX. | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXXdisclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. | Projected Payments: Final Closing Disclosure provided on XXXX disclosed a maximum periodic principal and interest payment for payment stream 4 in the amount of $XXXX vs calculated payment of $XXXX. | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream XXXX of $XXXX vs the calculated payments of $XXXX. | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. Reviewer Comment (2026-05-21): XXXX received Corrected Note, Corrected CD, LOE, RTC's for reopening of rescission, first payment letter & IEAD. To finalize this correction please provide information indicating previous Note was voided. Reviewer Comment (2026-05-05): The provided note indicates a payment amount of $XXXX. All note copies in the loan file reflect the same payment amount. Calculations indicate the payment amount should be $XXXX. The initial payment amount listed on the CD also shows a payment amount of $XXXX, but pay stream shows an initial payment of $XXXX. Cure requires reissue of note and final CD for testing and PCCD, LOE, Copy of any refund check required, reopening of RTC and proof of delivery to cure. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Page 2 of the note is missing from the file | Reviewer Comment (2026-05-05): Received, Clearing. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXXX does not match calculated P&I of $XXXX. Note P&I was used for the APR calculation and compliance testing. | Reviewer Comment (2026-05-27): Updated note received Reviewer Comment (2026-05-27): reopened Reviewer Comment (2026-05-04): Client elects to waive |
05/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Disclosed Note P&I payment does not equal calculated P&I payment | Reviewer Comment (2026-05-22): XXXX received Corrected
Note, Corrected CD, LOE to borrower, proof of reopening rescission, copy of
IEAD, new payment letter and lender attestation confirming prior Note has
been voided. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-05-22): Received signed RTC and
LOE |
XXXX | No | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 2000000552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment (2026-05-22): Received signed RTC and
LOE |
XXXX | No | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000125386 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | XXXX Reflects Appraisal sent XXXX. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123262 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-08): Clearing based on review
coming back within tolerances. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124252 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124252 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Corporate resolution of XXXX is unsigned. | Reviewer Comment (2026-05-06): Received, cleared Seller Comment (2026-05-06): Comment from XXXX: Signed Resolution attached |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000126127 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119489 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | D | B | A | A | D | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119489 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgment of the Fair Market Value not properly executed by the Lender. | Reviewer Comment (2026-05-09): Received, Clearing. Seller Comment (2026-05-08): Comment from XXXX: Hello, please see attached, thank you. |
05/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | A | A | D | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125952 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125952 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000571 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000571 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. | Reviewer Comment (2026-05-05): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000571 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. | Reviewer Comment (2026-05-05): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000571 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing page 2 of the Note. | Reviewer Comment (2026-05-06): Received, Clearing. Buyer Comment (2026-05-05): Note |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124797 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of appraisal is missing. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124797 | XXXXX | XXXXX | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Permanent Resident Alien card is missing | Reviewer Comment (2026-05-07): Received corrected Final
1003 confirming that the borrower is U.S. Citizen. Exception cleared. Seller Comment (2026-05-06): Comment from XXXX: Hello, please see attached. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124797 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-11): Clearing based on review
coming back within tolerances. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure was not found in file. Projected Payments: Final Closing Disclosure provided on XXXX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Reviewer Comment (2026-05-08): Received final CD
confirming XXXX closing date. VVOE within 10 days of closing |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXXX threshold. | Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan. | Reviewer Comment (2026-05-08): Received final CD |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure No Seller Paid Fees Non Primary Residence | TRID Final Closing Disclosure XXXX on a purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure was not found in file. Final Closing Disclosure XXXX on a purchase transaction did not disclose any seller-paid fees/charges on page 2. (XXXX) | Reviewer Comment (2026-05-08): Received final CD |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure was not found in file. Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Reviewer Comment (2026-05-08): Received final CD |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 was not found in file. | Reviewer Comment (2026-05-08): Received Final 1003.
Exception cleared. Seller Comment (2026-05-08): Comment from XXXX: Final 1003 |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument was not found in file. | Reviewer Comment (2026-05-08): Received Security
Instrument. Exception cleared. Seller Comment (2026-05-08): Comment from XXXX: Deed with riders-uploaded and cleared already-please review |
05/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Final Closing Disclosure was not found in file. | Reviewer Comment (2026-05-08): Received final CD
confirming XXXX closing date. VVOE within 10 days of closing Seller Comment (2026-05-08): Comment from XXXX(XXXX): Final CD |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Final Closing Disclosure not provided. Unable to confirm closing date. | Reviewer Comment (2026-05-08): Received final CD
confirming XXXX closing date. VVOE within 10 days of closing Seller Comment (2026-05-08): Comment from XXXX: Final CD |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Final Closing Disclosure not provided. Unable to confirm closing date. | Reviewer Comment (2026-05-08): Received final CD
confirming XXXX closing date. VVOE within 10 days of closing Seller Comment (2026-05-08): Comment from XXXX: Final CD |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-08): Received final CD
confirming XXXX closing date. VVOE within 10 days of closing |
05/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000122748 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Missing Final Closing Disclosure to determine closing date. | Reviewer Comment (2026-05-08): Received final CD
confirming XXXX closing date. VVOE within 10 days of closing |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121507 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000123781 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-11): Clearing based on review
coming back within tolerances. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127297 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-11): Clearing based on review
coming back within tolerances. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121508 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121508 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-05-07): Cleared- LOE provided no
insurance is owned free and clear Seller Comment (2026-05-07): Comment from XXXX: Hello, Please see attached |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121508 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found in file. | Reviewer Comment (2026-05-07): Cleared LOE provide no
insurance, owned free and clear Seller Comment (2026-05-07): Comment from XXXX: Hello, Please see attached |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000127299 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-11): CDA received and supports
value Seller Comment (2026-05-11): Comment from XXXX: Please see uploaded CDA |
05/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000127299 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Unacceptable credit. co borrower's primary is currently in Foreclosure. Credit score requirement not met for co borrower. | Reviewer Comment (2026-05-29): Primary owned free and
clear Seller Comment (2026-05-29): Comment from XXXX: See LOE from UW for rebuttal. Reviewer Comment (2026-05-21): Screenshots of mTrade received however, rebuttal was not received. Exception remains Seller Comment (2026-05-21): Comment from XXXX: Please see rebuttal letter. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000127299 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide documentation to evidence this is an inherited property and evidence the subject has cleared probate. | Reviewer Comment (2026-05-27): Received, Clearing. Reviewer Comment (2026-05-21): Screenshots of mTrade received however, rebuttal was not received. Exception remains Seller Comment (2026-05-21): Comment from XXXX: Please see rebuttal letter. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 2000000595 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal was delivered to the borrower, but it was not provided. | Reviewer Comment (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000595 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000123173 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal was not found in file. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124392 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124392 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state accessory dwelling units are only eligible on one-unit properties. The subject property is a 2-unit dwelling with an ADU in the attic. Appraiser confirms similar structures exist in the market area, but they were not able to find any comparables, specifically as it is difficult to distinguish between a 3-unit and a 2-unit with an ADU. Appraiser removed the ADU from the GLA, and it is adjusted for separately. Appraiser states the unit would meet the Fannie Mae definition of an ADU rather than a third unit.Compensating Factors XXXXFICO and the DSCR is XXXX. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-07): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
05/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000123353 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000124023 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was not found in file. | Reviewer Comment (2026-05-08): Received Guarantor
Agreement. Exception cleared. Seller Comment (2026-05-08): Comment from XXXX: Please see uploaded executed guaranty. |
05/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000657 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal Notice is missing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124698 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124698 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy does not list coverage amount. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128482 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit Report is more than XXXXdays. | Reviewer Comment (2026-05-08): After further review,
exception has been cleared. Seller Comment (2026-05-08): Comment from XXXX (XXXX): Credit report was reissued XXXX (58 days ago). Reuploaded, please clear. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000125209 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-12): Clearing based on review
coming back within tolerances. |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000388 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-05-08): Accepted as is. |
05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 2000000659 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-08): Accepted as is. |
05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AR | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000652 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal that was delivered to borrower was not provided. | Reviewer Comment (2026-05-08): Accepted as is. |
05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000652 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-08): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000652 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Provide letter of explanation for large deposit in the amount of $XXXX into account ending XXXX from XXXX . If the deposit is a gift, please provide gift letter. | Reviewer Comment (2026-05-13): Large deposit from account
XXXX per bank screenprint Reviewer Comment (2026-05-12): Require letter of explanation for large deposit in the amount of $XXXX into account ending XXXX. Exception remains. Reviewer Comment (2026-05-08): Nothing received that clears this exception. A repeat whole file was provided. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126821 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-13): Clearing based on review
coming back within tolerances. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124556 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125729 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was not provided to the borrower. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125730 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-13): Accepted as is. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125730 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-05-22): Updated PCCD received Reviewer Comment (2026-05-22): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Seller Comment (2026-05-22): Comment from XXXX : Hello, please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125730 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-05-13): Accepted as is. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000123365 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-26): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-22): Comment from XXXX: Complete cd package Reviewer Comment (2026-05-22): XXXX received corrected PCCD and LOE. However, copy of refund check and proof of mailing was not located in trailing documents. Proof of mailing and copy of refund check is required to borrower to complete remediation. Seller Comment (2026-05-21): Comment from XXXX: PCCD and letter to borrower Reviewer Comment (2026-05-20): XXXX received LOX for rebuttal response, However, if the creditor subsequently reduces the specific lender credit by $XXXX because the transfer taxes decreased by $XXXX, then the creditor has a zero-tolerance standard violation because, although the amount of the transfer taxes decreased, the amount of the lender credit decreased. (Comment 19(e)(3)(i)-5). Cure would be required. Lender credit is separate fee from transfer taxes and is tested separately. No valid changed circumstance provided for reduction in lender credit. Cure with Corrected CD, LOE to borrower, copy of cure refund for $XXXX and proof of mailing Seller Comment (2026-05-19): Comment from XXXX: Letter of explanation |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123365 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-13): Cured at closing or within
60 days of consummation prior to TPR review |
XXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | NY | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123365 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-18): Clearing based on review
coming back within tolerances. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000586 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Agriculture Zoning with no agriculture use. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-14): Client elects to waive with
compensating factors |
05/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 2000000586 | XXXXX | XXXXX | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Zip code on the appraisal is XXXX, the zip code on the note is XXXX | Reviewer Comment (2026-08-05): Explanation from the
appraiser received regardomg zip code variance. Per appraiser, this is common
as XXXX are adjacent town in a rural area with intertwining neighborhoods. Reviewer Comment (2026-05-14): Received, clearing. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000127046 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-19): Clearing based on review
coming back within tolerances. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000125511 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125511 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-14): Have a good evening all! |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125515 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127572 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Cleared based on review
coming back within tolerances Reviewer Comment (2026-05-28): Reopened Reviewer Comment (2026-05-26): Clearing based on review coming back within tolerances. |
05/28/2026 | No | 1 | A | A | A | A | A | AZ | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000123999 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | PA | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 2000000686 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000686 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130427 | XXXXX | XXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease Agreement is missing. | Reviewer Comment (2026-05-20): Approved for less than max
allowed for vacant properties, per guides. Cleared. Seller Comment (2026-05-20): Comment from XXXX: Our guidelines do allow a property to be vacant: with LTV restriction XXXX% Our LTV on this loan is XXXX%-please see GL attached |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000126490 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing walls in coverage reflecting premium of $XXXX. | Reviewer Comment (2026-05-21): Received, Clearing. Seller Comment (2026-05-21): Comment from XXXX: HO-6 |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000682 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-05-22): Received, Clearing. Buyer Comment (2026-05-22): CPA letter was provided in lieu of operating agreement Buyer Comment (2026-05-22): There is no operating agreement. Borrower is the sole member of XXXX |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000682 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for vacant property for cash out refinance. Comp Factors: LTV 70%, reserves, and seasoned investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-05-21): Client elects to
waive/regrade with compensating factors. |
05/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000131828 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-05-26): Received Fraud Report.
Exception cleared. Seller Comment (2026-05-22): Comment fromXXXX: fraud |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131828 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Lease Agreement was not found in file. | Reviewer Comment (2026-05-26): Received Lease Agreement.
Exception cleared. Seller Comment (2026-05-26): Comment from XXXX: Lease |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124571 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 6000121218 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-13): Received Buyer Comment (2026-04-09): Please see attached |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121218 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-24): CDFI lender testing ATR. |
03/24/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121218 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing CPA certification/license. | Reviewer Comment (2026-04-17): PTIN verification received
in trailing docs. Buyer Comment (2026-04-17): ptin IRS Buyer Comment (2026-04-17): ptin search |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121218 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-17): PTIN verification received
in trailing docs. Buyer Comment (2026-04-17): Please see attached exception |
04/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121218 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay XXXX): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-04-17): PTIN verification received
in trailing docs. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121218 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay XXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing CPA certification/license. | Reviewer Comment (2026-04-17): PTIN verification received
in trailing docs. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121218 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-04-17): PTIN verification received
in trailing docs. Buyer Comment (2026-04-17): see attached docs |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121208 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-03-31): E-sign received, exception
cleared Buyer Comment (2026-03-27): PFA |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121208 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-24): CDFI lender testing ATR |
03/24/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121308 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-31): CDFI lender testing ATR |
03/31/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000123512 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | fraud report is missing in the file | Reviewer Comment (2026-04-03): Clear Fraud report
received. Buyer Comment (2026-04-01): see attached |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 6000123512 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | As per the hazard insurance policy provided coverage amount does not match or exceed the loan amount. Provide either additional coverage or verify the policy contains XXXX% replacement cost coverage. | Reviewer Comment (2026-04-16): Replacement cost Estimator
received. Details verified and updated. Exception cleared. Buyer Comment (2026-04-14): RCE attached Reviewer Comment (2026-04-13): Accounting for XXXX% replacement cost, total coverage would be $XXXX, which is still insufficient to cover loan amount of $XXXX. Agent will need to provide evidence policy has XXXX% replacement cost coverage (not just extended replacement cost coverage), an RCE or increased coverage to cover loan amount for review of this condition. Reviewer Comment (2026-04-10): After considering XXXX% as Extended replacement coverage still there is coverage shortfall of $XXXX. Required replacement cost estimator document with amount. Exception remains. Buyer Comment (2026-04-08): updated processors cert attached Reviewer Comment (2026-04-07): Received lender's certification. The certification must include the insurance company's complete information, subject property details, confirm the replacement cost amount determined by the insurer, and be signed and dated by the processor. Exception remains. Buyer Comment (2026-04-03): See attached |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 6000123512 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing OFAC | Reviewer Comment (2026-04-03): OFAC received. Buyer Comment (2026-04-01): see attached |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | AZ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 6000123512 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide required entity documents for the borrowing LLC to confirm ownership and ownership percentage. Articles of Organization, Operating Agreement and signing authority if applicable. | Reviewer Comment (2026-04-03): Business ownership
confirmed to XXXX%. Articles of organization, EIN, Operating Agreement,
received. Buyer Comment (2026-04-01): see attached documents |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 6000121272 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Updated as per the document correctly | Reviewer Comment (2026-04-06): CDFI lender testing ATR |
04/06/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121288 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | A summary review of all the documentation in the loan file casts doubt on the business purpose of the loan. | Unable to verify that borrower will not occupy subject property as the primary residence as there was no acknowledgments to the questions on pageXXXX of the Credit Application. Please provide an updated document. | Reviewer Comment (2026-04-27): Received updated Credit
Application. Exception Cleared. Buyer Comment (2026-04-23): please see attached |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121288 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide evidence the subject property listing was cancelled prior to the Note date. If listing was active at time of application, a letter of explanation is required form borrower. | Reviewer Comment (2026-03-31): Received property report
showing listing removed on XXXX which is prior to the note date. Exception
cleared. Buyer Comment (2026-03-27): please see attached, listing was removed on XXXX which is prior to note date |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | GA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121277 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Waterfall due to Loan fails Points and fees test due to the fees charged to the Borrower(s) exceed 5% the loan amount. The Note reflects a loan amount of $XXXX Fees charged to the Borrower(s) equal to $XXXX which equal XXXX% of the loan amount. | Reviewer Comment (2026-04-29): CDFI lender testing ATR. Buyer Comment (2026-04-29): CDFI lender testing ATR. Buyer Comment (2026-04-27): Please waive this condition. |
04/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121346 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrower is living rent free. UW Discretion is missing. | Reviewer Comment (2026-04-13): Updated 1008 with UW
discretion received in trailing docs. Buyer Comment (2026-04-09): Please find attached 1008 with UW Discretion for living rent free. Reviewer Comment (2026-04-02): Require 1008 with verbiage given as, per guidelines this is UW Discretion. After reviewing the credit package and the LOX from the borrower we do not have any concerns with occupancy. Exception Remains. Buyer Comment (2026-03-31): Please find attached the 1008 |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121287 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-14): CDFI lender testing ATR |
04/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of XXXX% on Final Closing Disclosure provided on XXXX is under-disclosed from the calculated APR of XXXX% outside of XXXX% tolerance. | APR of .XXXX% on Final Closing Disclosure provided on XXXX is under-disclosed from the calculated APR of XXXX% outside of XXXX% tolerance with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-04-27): XXXX received lender
attestation that the XXXX CD was title company balancing CD and not lender
prepared - blank loan calculation page 5. Buyer Comment (2026-04-27): It is not a Lender prepared CD, it should not be recognized as the Final CD. If appears that title had the borrower acknowledge the CD that they prepared and sent a copy back with the signed loan documents Reviewer Comment (2026-04-22): XXXX received XXXX CD and XXXX CD. Consummation date was XXXX making the XXXX CD the Final CD. Please note that this CD has $XXXX Loan Calculations on Page 5 being tested for which exception is valid. Unable to address this exception as it was tested with theXXXX CD which was wet signed by borrower at consummation on XXXX. Buyer Comment (2026-04-21): PFA Final CD |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXXare underdisclosed. | Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided onXXXX are underdisclosed with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-04-27): XXXX received lender
attestation that the XXXX CD was title company balancing CD and not lender
prepared - blank loan calculation page 5. Buyer Comment (2026-04-27): It is not a Lender prepared CD, it should not be recognized as the Final CD. If appears that title had the borrower acknowledge the CD that they prepared and sent a copy back with the signed loan documents Reviewer Comment (2026-04-22): XXXX received XXXX CD and XXXX CD. Consummation date was XXXX6 making theXXXX CD the Final CD. Please note that this CD has no Escrowed property costs on page 4 and being tested for which exception is valid. Unable to address this exception as it was tested with the XXXX CD which was wet signed by borrower at consummation on XXXX. Buyer Comment (2026-04-21): PFA Final CD |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $ XXXX is under disclosed by $ XXXX compared to the calculated Finance Charge of $ XXXX which exceeds the $ XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-04-27): XXXX received lender
attestation that the XXXX CD was title company balancing CD and not lender
prepared - blank loan calculation page 5. Buyer Comment (2026-04-27): It is not a Lender prepared CD, it should not be recognized as the Final CD. If appears that title had the borrower acknowledge the CD that they prepared and sent a copy back with the signed loan documents Reviewer Comment (2026-04-22): XXXX received XXXX CD and XXXX CD. Consummation date was XXXX making the XXXX CD the Final CD. Please note that this CD has $0.00 Loan Calculations on Page 5 being tested for which exception is valid. Unable to address this exception as it was tested with the XXXX CD which was wet signed by borrower at consummation on XXXX. Buyer Comment (2026-04-21): PFA Final CD |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-04-27): XXXX received lender
attestation that the XXXX CD was title company balancing CD and not lender
prepared - blank loan calculation page 5. Buyer Comment (2026-04-27): It is not a Lender prepared CD, it should not be recognized as the Final CD. If appears that title had the borrower acknowledge the CD that they prepared and sent a copy back with the signed loan documents Reviewer Comment (2026-04-22): XXXX received XXXX CD and XXXX CD. Consummation date was XXXX making the XXXX CD the Final CD. Please note that this CD has $XXXX Loan Calculations on Page 5 being tested for which exception is valid. Unable to address this exception as it was tested with the XXXX CD which was wet signed by borrower at consummation on XXXX. Buyer Comment (2026-04-21): PFA Final CD |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | If complete CD was provided to consumer at consummation,
provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of $ XXXX is under disclosed by $ XXXX compared to the calculated total of payments of $ XXXX which exceeds the $ XXXX threshold. | Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXXX threshold with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-04-27): XXXX received lender
attestation that the XXXX CD was title company balancing CD and not lender
prepared - blank loan calculation page 5. Buyer Comment (2026-04-27): It is not a Lender prepared CD, it should not be recognized as the Final CD. If appears that title had the borrower acknowledge the CD that they prepared and sent a copy back with the signed loan documents Reviewer Comment (2026-04-22): XXXX received XXXX CD and XXXX CD. Consummation date was XXXX making the XXXX CD the Final CD. Please note that this CD has $XXXX Loan Calculations on Page 5 being tested for which exception is valid. Unable to address this exception as it was tested with the XXXX CD which was wet signed by borrower at consummation on XXXX. Buyer Comment (2026-04-21): PFA Final CD |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. $ XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower with no valid change of circumstances, and no cure was provided to borrower. | Reviewer Comment (2026-04-27): XXXX received lender
attestation that the XXXX CD was title company balancing CD and not lender
prepared - blank loan calculation page 5. Buyer Comment (2026-04-27): It is not a Lender prepared CD, it should not be recognized as the Final CD. If appears that title had the borrower acknowledge the CD that they prepared and sent a copy back with the signed loan documents Reviewer Comment (2026-04-23): XXXX received rebuttal comment as we agree that cure amount was updated under section J on CD dated XXXX but this CD is not the final CD. As per file the final CD is dated XXXX (D0580) where the credit was not updated as cure under section J. A corrected PCCD and LOE is required along with the final SS. Buyer Comment (2026-04-22): Please re-review XXXX it is already mentioned in J section Reviewer Comment (2026-04-21): XXXX received rebuttal comment for credit provided on final CD but the lender credit provided is updated as General Lender Credit on CD for cure it should have been updated under inner column of section J with statement that credit provided is for exceeding the fees by legal limits. However, if the provided credit was intended for cure, A lender LOX with corrected PCCD and true and certified copy of final SS is required for remediations. Buyer Comment (2026-04-17): Please re-review D0314 Final CD Lender credit of $XXXX is already provided |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-15): CDFI lender testing ATR |
04/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121319 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing | Reviewer Comment (2026-04-27): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | MI | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXX | 6000121352 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-17): CDFI lender testing ATR. |
04/17/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121352 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing disclosure dated XXXX is not signed/dated by the borrower. Applying 3 day mailbox rule, presumed received XXXX, which is less than 3 business days prior to closing. | Reviewer Comment (2026-04-23): Initial signed CD provided
along with evidence of e-signing on XXXX. Buyer Comment (2026-04-23): PFA Signed CD of XXXX with audit history Reviewer Comment (2026-04-22): XXXX received summary for e-consent received from borrower however, the exception is for not received the initial CD dated XXXX to borrower prior to XXXXbusiness days from the consummation date. Please provide earliest receipt of ICD to borrower. Buyer Comment (2026-04-21): PFA Audit history, |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121370 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-04-23): Final closing statement
received. Details verified and updated. Exception cleared. Buyer Comment (2026-04-21): Please re-review this is Cashout re-finance loan, we do not require any amount for reserve |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121370 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of is greater than Guideline total cash-out of $XXXX. | Reviewer Comment (2026-04-23): Final closing statement
received. Details verified and updated. Exception cleared. Buyer Comment (2026-04-21): Final SS provided |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121370 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XXXX used as disbursement date for compliance testing. | Reviewer Comment (2026-04-23): Final closing statement
received. Details verified and updated. Exception cleared. Buyer Comment (2026-04-21): PFA Final SS |
04/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121370 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | The file is missing the final HUD-1. Copy in file is an estimate. | Reviewer Comment (2026-04-23): Final closing statement
received. Details verified and updated. Exception cleared. Buyer Comment (2026-04-21): PFA Final SS |
04/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | Exempt from ATR | No | ||||||||||
| XXXXX | 6000123515 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing settlement statement from sale of departing residence. | Reviewer Comment (2026-05-11): Closing Statement received
and associated. Exception cleared. Buyer Comment (2026-05-07): See HUD from exit property attached. Thank you. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000123515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-04-29): CDFI lender testing ATR. Buyer Comment (2026-04-27): CDFI lender testing ATR. |
04/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000123515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing verification of proceed from sales of property. | Reviewer Comment (2026-05-11): Closing Statement received
and associated. Exception cleared. |
05/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000123515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of proceed from sales of property. | Reviewer Comment (2026-05-11): Closing Statement received
and associated. Exception cleared. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000123515 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Missing verification of proceed from sales of property. | Reviewer Comment (2026-05-11): Closing Statement received
and associated. Exception cleared. Buyer Comment (2026-05-07): Please see HUD from sale of exit property attached. Thank you. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000123515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing verification of proceed from sales of property. | Reviewer Comment (2026-05-11): Closing Statement received
and associated. Exception cleared. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121428 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-04-30): Received document Guaranty
Agreement. Exception cleared. Buyer Comment (2026-04-28): Personal Guaranty |
04/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NM | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121428 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC is missing for business entity. | Reviewer Comment (2026-04-23): Received OFAC for business
entity. Exception cleared. Buyer Comment (2026-04-21): Entity OFAC Screening |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121390 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | The lender exception requested for the 1 open tax lien of ($XXXX) which is unpaid, exception requested to provided the valid documents to verify the Tax Lien was paid in full and satisfied. | Reviewer Comment (2026-04-20): Tax lien is paid in full
and satisfied Proofs verified and associated. Exception cleared. Buyer Comment (2026-04-16): paid in full Buyer Comment (2026-04-16): payoff |
04/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| XXXXX | 6000121217 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Reviewer Comment (2026-04-28): Per matrix, XXXX% LTV
allowed for DSCR XXXX. Exception cleared. Buyer Comment (2026-04-24): Per matrix dated XXXX, 75% LTV is permitted. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000121389 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Unable to verify 12 full months' mortgage history for the primary residence. | Reviewer Comment (2026-04-23): XXXX months mortgage
history verified for primary residence. Exception cleared. Buyer Comment (2026-04-21): D0191 XXXX and mtg statement D0207 for the primary residence |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121389 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Occupancy discrepancy. | Property occupancy of ___ does not match Guideline property occupancy of ___. | Loan approved as an investment property, however, the credit application disclosed that borrower will occupy subject property as the primary residence. Please provide an updated document. | Reviewer Comment (2026-04-23): Received application
disclosing that borrower will not occupy subject property as the primary
residence. Exception cleared. Buyer Comment (2026-04-22): commercial app |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 6000121389 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Borrower is short funds to close due to insufficient assets. | Reviewer Comment (2026-04-23): Received bank statement to
cover short funds to close. Exception cleared. Buyer Comment (2026-04-21): updated statement |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121322 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file was missing a copy of the Final 1003. | Reviewer Comment (2026-04-24): Received Credit Application
in the file. Exception Cleared. Buyer Comment (2026-04-22): PFA |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121387 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | HUD provided is an estimate. | Reviewer Comment (2026-04-28): Received final stamped true
and certified copy of closing statement in the file. Exception Cleared. Buyer Comment (2026-04-24): Please see HUD certified true & correct attached. |
04/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121372 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-05-04): Received Title final in the
file and details verified. Exception Cleared. |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000121372 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-04): Received Title final in the
file and details verified. Exception Cleared. Buyer Comment (2026-04-30): Please see title & supplements. Buyer Comment (2026-04-30): See title & 2 supplements attached. Thank you. |
05/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000121372 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for trust entity. | Reviewer Comment (2026-05-04): Received OFAC for trust
entity in the file. Exception Cleared. Buyer Comment (2026-04-30): Clear OFAC attached for Trust. Buyer Comment (2026-04-30): See title & 2 supplements attached. Thank you. |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121372 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final closing statement. | Reviewer Comment (2026-05-04): Received final stamped true
and certified copy of closing statement in the file. Exception Cleared. Buyer Comment (2026-04-30): See final HUD attached. Thank you! |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121372 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Delinquent HOA lien of $XXXX is listed on title with no evidence of satisfaction or release is provided. | Reviewer Comment (2026-05-04): Received Title final in the
file and details verified. Exception Cleared. Buyer Comment (2026-04-30): Final Lenders Policy attached. Thank you. Buyer Comment (2026-04-30): Please see attached. Thank you. Buyer Comment (2026-04-30): Please see attached. |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121344 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | File is missing a non-expired government -issued photo ID. | Reviewer Comment (2026-04-27): Received Driver's License.
Exception Cleared. Buyer Comment (2026-04-23): Please see valid DL attached. Thank you. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121344 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Provide the XXXX payment for the primary residence. Credit reports the payments through XXXX. | Reviewer Comment (2026-05-01): Received credit supplement
for march payment. Exception cleared. Buyer Comment (2026-04-29): Please see credit supplement attached for XXXX mtg thru XXXX. Thank you. Buyer Comment (2026-04-29): XXXX, please note credit supplement reflects XXXX mths of mtg reporting with XXXX mtg thru XXXX. Thank you. |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121338 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing Final Closing Statement/HUD-1. | Reviewer Comment (2026-05-06): Received final closing
statement. Exception cleared. Buyer Comment (2026-05-04): Please see final HUD attached. Thank you. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127346 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Evidence is Missing. | Reviewer Comment (2026-05-28): Received Title evidence.
Exception cleared. Seller Comment (2026-05-28): Comment from XXXX: The commitment was already provided on XXXX and the original suspense for it shows accepted. Reuploaded Reviewer Comment (2026-05-28): There is no evidence of title. Please obtain a preliminary/commitment Seller Comment (2026-05-28): Comment from XXXX: Per title, Final Title Policy is not ready yet. Uploaded email from title, please waive |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127346 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title is missing | Reviewer Comment (2026-05-28): Received Title evidence.
Exception cleared. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127346 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Borrower paid receipt for $XXXX for the broker processing fee is not found in the file. | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-27): Comment from XXXX: Please see uploaded email chain from closer and HUD , invoice was waived |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000770 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ( XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000770 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ( XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000786 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-27): Received E-Sign Consent
Agreement. Exception cleared. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000786 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ( XXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000786 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-05-28): XXXX received XXXX CD
received 3 business days prior to consummation. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 2000000786 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000678 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary Title Report does not list Title policy coverage amount. | Reviewer Comment (2026-06-02): Title supplement received
reflecting coverage of $XXXX Reviewer Comment (2026-06-02): Re-opened Reviewer Comment (2026-05-28): Accepted as is. |
06/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000678 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report was not found in file. | Reviewer Comment (2026-06-01): Received Fraud Report.
Exception cleared. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000737 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ( XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000737 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000754 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | Reviewer Comment (2026-06-03): Received confirmation T-42
and T-42.1 endorsements were obtained Reviewer Comment (2026-06-03): Re-opened Reviewer Comment (2026-05-28): Accepted as is. |
06/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000754 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000754 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000754 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | Texas Constitution Section 50(a)(6): Unable to determine if loan was closed at an authorized location due to missing documentation. | Reviewer Comment (2026-06-03): Affidavit in file confirms
closing at title company Reviewer Comment (2026-06-03): Re-opened Reviewer Comment (2026-05-28): Accepted as is. |
06/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000852 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-06-01): Received updated Hazard
Insurance Policy. Exception cleared. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000852 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception request to allow for asset qualifier on second home purchase transaction. Approved with XXXX LPA; comp factors less than XXXX% LTV, under XXXX% DTI, XXXX FICO. | Borrower has verified disposable income of at least
$2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-29): Lender exception
approved |
05/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 2000000852 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ( XXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower but was not provided. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000852 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $ XXXX exceeds tolerance of $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130432 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available assets for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-06-04): Invoice for appraisal paid
outside of closing in the file Reviewer Comment (2026-06-04): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX Seller Comment (2026-06-03): Comment from XXXX: The final settlement statement shows the loan was a net rate/term. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000733 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | EIN and Signed Operating Agreement are missing for XXXX. | Reviewer Comment (2026-06-09): Received operating
agreement Buyer Comment (2026-06-09): EIN is not needed - (XXXX) VERIFY ONLY 2 LAYERS |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000733 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation are missing for XXXX. | Reviewer Comment (2026-06-09): Provided. Cleared. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000733 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing for XXXX. | Reviewer Comment (2026-06-02): Associated Certificate of
Good Standing. Exception cleared. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000732 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing for business XXXX XXXX and guarantor business XXXX | Reviewer Comment (2026-06-02): Received Business Entity
Listing. Exception cleared. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000732 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization is missing for guarantor business XXXX. | Reviewer Comment (2026-06-09): Articles of Organization in
file |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000732 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Employer Identification Number (EIN) and Signed Copy of Operating Agreement is missing for guarantor business XXXX. | Reviewer Comment (2026-06-09): Received, cleared Buyer Comment (2026-06-09): EIN is not needed - Authorized to manage XXXX |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000837 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ( XXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 6000121393 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-05-11): Received additional funds
bank statement XXXX, Exception cleared. Buyer Comment (2026-05-07): XXXX |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000121393 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | Provide a mortgage statement for the primary residence to support the rent free living situation. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: XXXX Guideline Requirement: 0.00 Guidelines Representative FICO: 640 Representative FICO: XXXX |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-22): Waived with compensating
factors per lender exception approval. Buyer Comment (2026-05-22): The Post Closing Guideline Exception Form has been uploaded. Reviewer Comment (2026-05-20): Per guidelines, for borrowers living rent free with a spouse, an LOE from the spouse and a current mortgage statement are required. File is missing the required mortgage statement. Buyer Comment (2026-05-18): per property profile, The mtg is in the spouse name |
05/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000121393 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-04-30): Certificate of Good
Standing received, exception cleared. Buyer Comment (2026-04-28): Cogs |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132469 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-05): Cleared based on review
coming back within tolerances |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000703 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-06-04): 442, cleared |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | A | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 2000000783 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-06-09): EIN received, exception
cleared Buyer Comment (2026-06-09): EIN Reviewer Comment (2026-06-08): EIN not provided. Exception remains. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000684 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Reviewer Comment (2026-06-15): OFAC provided. Cleared. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000684 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file is missing a Fraud report. | Reviewer Comment (2026-06-15): Received Fraud Report.
Exception cleared. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 2000000787 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was not found in file. | Reviewer Comment (2026-06-22): Received Guarantor
Agreement. Exception cleared. |
06/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000787 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is not signed. | Reviewer Comment (2026-06-16): Received Operating
Agreement. Exception cleared. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000787 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The Closing Disclosure provided for the XXXX 1031 funds, was not signed. | Reviewer Comment (2026-06-16): Received Closing statement.
Exception cleared. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000840 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Reviewer Comment (2026-06-23): Received, Clearing. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000846 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Reviewer Comment (2026-06-18): Received, Clearing. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000763 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Reviewer Comment (2026-06-18): Received, Clearing. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000109182 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of XXXX . Insufficient or no cure was provided to the borrower. | Final Lender Credit of XXXX exceeds tolerance of XXXX . Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-10): COC in file indicates
pricing change due to granted exception.
Approved exception form reflecting it was within 3 business days of
pricing change received in trailing doucments. Reviewer Comment (2026-01-27): The exception is not clearable at this time. Lender credit changes are generally tied to pricing. VCCs that may affect pricing change are a loan product change, rate lock, rate lock extension, relock and loan amount change in certain situations. The XXXX CD shows the addition of LDP fees, which may be tied to pricing change, but the VCC does not indicate a reason for the change and the file does not support any pricing change documentation for the time period in any other documentation. The seller would need to provide the reason for the change and supporting documentation about when they were notified of the change. Buyer Comment (2026-01-27): Attached find COC showing the Lender Credit was removed. |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 4000109182 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-01-14): CDFI lender testing ATR. |
01/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 2000000747 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Rider - PUD is missing. | Reviewer Comment (2026-06-22): Received Rider - PUD.
Exception cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000747 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing Certificate of Good Standing within 30 days of closing. | Reviewer Comment (2026-06-23): Received, Clearing. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131387 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing final signed and dated HUD-1/Settlement Statement. | Reviewer Comment (2026-05-22): Final closing statement
received Buyer Comment (2026-05-21): PFA as requested |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000127405 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to short 6 months verified reserves. | Reviewer Comment (2026-05-08): Certified closing statement
received reflecting updated cash to close from borrower, resulting in
sufficient reserves for subject transaction. Buyer Comment (2026-05-08): Certified Final Settlement Statement attached. It shows a lower payoff figure than disclosed on the Final CD. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 6000127405 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-05-08): Certified closing statement
received reflecting updated cash to close from borrower, resulting in
sufficient reserves for subject transaction. Buyer Comment (2026-05-08): Certified Final Settlement Statement attached. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 6000127405 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower was living rent free prior to XXXX with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation. | Reviewer Comment (2026-05-06): 1008 with underwriter
discretion received, exception cleared Buyer Comment (2026-05-04): Updated 1008 reflecting UW discretion re rent free attached. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 6000127405 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Reserves not met. | Reviewer Comment (2026-05-08): Certified closing statement
received reflecting updated cash to close from borrower, resulting in
sufficient reserves for subject transaction. Buyer Comment (2026-05-08): Certified Final Settlement Statement attached. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 6000127405 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Reserves not met. | Reviewer Comment (2026-05-08): Certified closing statement
received reflecting updated cash to close from borrower, resulting in
sufficient reserves for subject transaction. Buyer Comment (2026-05-08): Certified Final Settlement Statement attached. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 6000127405 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-08): Certified closing statement
received reflecting updated cash to close from borrower, resulting in
sufficient reserves for subject transaction. Buyer Comment (2026-05-08): Certified Final Settlement Statement attached. |
05/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 6000127393 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Buyer Comment (2026-05-27): We accept a EV2 grade. Please
waive to grade B. Buyer Comment (2026-05-22): Please waive. |
05/27/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000127393 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $ XXXX exceeds tolerance of $ XXXX plus XXXX% or $ XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000127395 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-05-29): Waived per client
direction. Buyer Comment (2026-05-27): Please waive. |
05/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000127395 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (0) | Reviewer Comment (2026-06-08): XXXX received Corrected
PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check
resulting in a cured the exception. Buyer Comment (2026-06-04): please see attached Reviewer Comment (2026-05-28): XXXX Lender Credit and Lender Cure are different amounts. Provided lender Credit -$XXXX cannot be consider as lender cure as Cure amount is not mentioned under section J inner column. If Lender credit $XXXX is provided for exceeding Ten percent fee than provide Corrected PCCD and LOX updated with $XXXX under section J inner column. Buyer Comment (2026-05-27): Lender credit of $XXXX already given in final CD. |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000127403 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-02): CDFI lender testing ATR |
06/02/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000127403 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX did not disclose a reason for not having an escrow account on page 4. | Reviewer Comment (2026-06-11): Letter of Explanation &
Corrected Closing Disclosure provided. Buyer Comment (2026-06-11): See attached |
XXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000127403 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX%. No cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-25): Sufficient Cure Provided At
Closing |
XXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000127403 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The e-Sign Consent Agreement was not provided. | Reviewer Comment (2026-06-11): Esign consent. Buyer Comment (2026-06-09): See attached |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 2000000954 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date is after the note Hazard Insurance Policy Effective Date XXXX, Note date XXXX | Reviewer Comment (2026-07-02): Received the prior hazard
insurance policy, which confirms that the policy effective date matches the
note date. Exception cleared. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000964 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance is required on all properties, and there is no evidence of this insurance in the file. | Reviewer Comment (2026-07-06): Received, Clearing. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000964 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Reviewer Comment (2026-07-06): Clearing. Buyer Comment (2026-07-06): CPA letter acceptable for operating agreement |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000965 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Reviewer Comment (2026-07-06): Clearing. Buyer Comment (2026-07-06): No need for bylaws. operating agreement was satisfied with CPA letter and articles were uploaded. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000965 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-07-07): Received, Clearing. Buyer Comment (2026-07-06): Do not need corp resolution, have CPA letter in place for operating agreement and articles were already given. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131305 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. | Reviewer Comment (2026-06-04): NOO Cert. Buyer Comment (2026-06-02): Non-owner |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131305 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-06-04): OFAC Buyer Comment (2026-06-02): ofac search |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | A | C | A | A | A | N/A | No |