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 | 4000094498 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an Estimated Total Monthly Payment for payment stream XXXXthat does not match the actual total payment for the loan. | Final Closing Disclosure provided on XXXX disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. | Reviewer Comment (2025-11-12): Payment disclosed correctly
for payment stream 4 |
11/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000094498 | 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 XXXXthat 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 $XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | The disclosed Finance Charge in the amount of $XXXXis under disclosed by $XXXX | Reviewer Comment (2025-12-10): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2025-12-09): Comment from XXXX (XXXX): REFUND TO INCLUDE CDD AND PROOF OF MAILING. Reviewer Comment (2025-12-09): XXXX received LOE, copy of cure refund and proof of mailing. However, missing copy of Corrected CD and the proof of mailing does not reflect XXXX has picked up package. Please provide the Corrected CD and proof when carrier has picked up package. Seller Comment (2025-12-08): Comment from XXXX (XXXX): REFUND |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000094498 | 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. | 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. | Reviewer Comment (2025-11-12): Payment disclosed correctly
for payment stream 4 |
11/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000094498 | 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 XXXX 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. | The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX. | Reviewer Comment (2025-12-10): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2025-12-09): Comment from XXXX (XXXX): REFUND TO INCLUDE CDD AND PROOF OF MAILING. Reviewer Comment (2025-12-09): XXXX received LOE, copy of cure refund and proof of mailing. However, missing copy of Corrected CD and the proof of mailing does not reflect XXXX has picked up package. Please provide the Corrected CD and proof when carrier has picked up package. Seller Comment (2025-12-08): Comment from XXXX (XXXX): REFUND |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000094498 | 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 (2025-10-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000094498 | 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 (2025-10-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | No evidence of fraud report in file. | Reviewer Comment (2025-10-30): Received, Clearing. Buyer Comment (2025-10-30): Fraud Report |
10/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | No evidence of fraud report in file. | Reviewer Comment (2025-10-30): Received, Clearing. Buyer Comment (2025-10-30): Fraud Report (both borrowers input) |
10/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Executed sales contract or signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing on subject transaction and departure residence must be documented with a 2055 exterior appraisal or full appraisal is missing. | 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. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-11-07): Client exception
received. Buyer Comment (2025-11-07): Exception to exclude departure residence with no appraisal. |
11/07/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 2000000171 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 2055 exterior Appraisal or executed sales contract and signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing supporting document not provided for Departure Residency To exclude from DTI calculation. | Reviewer Comment (2025-11-07): Clearing based on
exception. |
11/07/2025 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000171 | 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 (XXXX 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum ofXXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | 2055 exterior Appraisal or executed sales contract and signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing supporting document not provided for Departure Residency To exclude from DTI calculation. | Reviewer Comment (2025-11-07): Clearing based on
exception. |
11/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000171 | 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. | Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2025-10-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000171 | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | 2055 Exterior Appraisal or executed sales contract and signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing supporting document not provided. | Reviewer Comment (2025-11-07): Clearing based on
exception. Buyer Comment (2025-11-07): Departure rez listed- exception approved no appraisal/loe/listing agreement as property is actively listed. |
11/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000171 | 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 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 (2025-11-07): Clearing based on
exception. |
11/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000093926 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | XXXX Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of XXXX months of timely payments of taxes and insurance on a previous home loan.) | Final Closing Disclosure in file does not reflect Property Taxes are in Escrow. | Reviewer Comment (2025-11-04): Accepted as is. |
11/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000093926 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | XXXX Subprime Loan: APR on subject loan ofXXXX% is in excess of allowable threshold of Prime Mortgage Market RateXXXX% + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX% + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2025-11-04): Accepted as is. |
11/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000093926 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Email pXXXX reflect appraisal sent XXXX. Appraisal effective date is XXXX. | Reviewer Comment (2025-11-04): Accepted as is. |
11/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000093926 | 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. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2025-11-13): XXXX received rebuttal
comment and as per received COC dated XXXX . Seller Comment (2025-11-12): Comment from XXXX (XXXX): program was changed on XXXX and COC was completed, NEW program required CDA/ Appraisal review- thanks |
11/13/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000096262 | 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 does not list coverage amount. | Reviewer Comment (2025-11-05): Received Title company
Escrow Addendum document confirming the policy amount. Exception cleared. Seller Comment (2025-11-05): Comment from XXXX (XXXX): See attached |
11/05/2025 | 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 | 4000096262 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | There is no evidence of landlord insurance (hazard insurance plus liability) and thus casts doubt on the business purpose of the loan. | Rent loss insurance is required and must equal XXXX months of rent. | Reviewer Comment (2025-11-12): Received Updated Hazard
policy provided the Rent Loss Coverage . Exception cleared. Seller Comment (2025-11-12): Comment from XXXX (XXXX): The loss of use is calculated in coverage |
11/12/2025 | 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 | 2000000174 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-11-06): Accepted as is. |
11/06/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000174 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-11-06): Accepted as is. |
11/06/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000178 | 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 policy amount is blank. | Reviewer Comment (2025-11-06): Accepted as is. |
11/06/2025 | 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 | 4000092005 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-11-10): Cleared based on review
coming back within tolerances |
11/10/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000092005 | 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. File does not contain a valid COC for this fee, nor evidence of cure provided in file | Reviewer Comment (2025-11-21): XXXX Received Valid COC
dated XXXX. Seller Comment (2025-11-20): Comment from XXXX (XXXX): Please see attached response for this finding. Thanks |
11/21/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | 4000092005 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Verification of employment is not within 10 calendar days of the Note. | Reviewer Comment (2025-11-17): VOE received, exception
cleared Seller Comment (2025-11-17): Comment from XXXX (XXXX): Attached is the VOE for XXXX |
11/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000100818 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2025-11-17): Received, Clearing. Seller Comment (2025-11-14): Comment from XXXX : eConsent |
11/17/2025 | 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 | 4000097623 | 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 (2025-11-10): Client elects to waive |
11/10/2025 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000097623 | 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 $XXXXplus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | en Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX | Reviewer Comment (2025-11-11): XXXX received LOX for
rebuttal response with bifurcation of recording fee and transfer taxes
disclosed on LE to Final CD and further review the fees are within that
tolerance requirement. Seller Comment (2025-11-10): Comment from XXXX (XXXX): Please see attached |
11/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000097623 | 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. | ero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXXexceeds tolerance of $XXXX. | Reviewer Comment (2025-11-11): XXXX received LOX for
rebuttal response with bifurcation of recording fee and transfer taxes
disclosed on LE to Final CD and further review the fees are within that
tolerance requirement. Seller Comment (2025-11-10): Comment from XXXX (XXXX): Please see attached. |
11/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000097623 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | As per guideline, all credit documents including credit report, income docs, and asset statements must be dated no more than XXXXdays prior to the note date. | Reviewer Comment (2026-01-06): Lender exception to use out
of date XXXX, cleared Seller Comment (2026-01-06): Comment from XXXX (XXXX): variance approval |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000097623 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to use XXXX day 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 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-06): Lender exception
approved |
01/06/2026 | Yes | 2 | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXX | 4000096750 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2025-11-28): Received-sign Consent
Agreement. Exception cleared. Seller Comment (2025-11-26): Comment from XXXX (XXXX): ATTACHED |
11/28/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000096750 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | 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 (2025-12-02): Initial CD received,
exception cleared Seller Comment (2025-12-02): Comment from XXXX (XXXX): attached |
12/02/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000096750 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of gift funds in the amount of $XXXX. | Reviewer Comment (2025-12-02): Zeroed out the usability
for this gift amount. Per client it is not valid. It also not required to
qualify. Seller Comment (2025-12-02): Comment from XXXX (XXXX): There were only 2 gift amounts $XXXX for EMD & $XXXX, where is the $XXXX coming from? |
12/02/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000096750 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of gift funds in the amount of $XXXX. | Reviewer Comment (2025-12-02): Zeroed out the usability
for this gift amount. Per client it is not valid. It also not required to
qualify. Seller Comment (2025-12-02): Comment from XXXX (XXXX): There were only 2 gift amounts $XXXX for EMD & $XXXX, where is the $XXXX coming from? |
12/02/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000100872 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX 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 (2025-11-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000100872 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on pageXXXX . | Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page XXXX . | Reviewer Comment (2025-11-18): XXXX received seller CD and as per contract and
confirmation from settlement agent. No seller paid fees. Seller Comment (2025-11-17): Comment from XXXX XXXX : Please see attached seller CD, per contract of sale, transfer fees were paid by borrower. also please see email from settlement agent confirming. |
11/18/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000100872 | 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 (2025-11-12): Client elects to waive |
11/12/2025 | No | 2 | A | A | A | A | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 2000000166 | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | #3099 Business account Bank statements are missing for XXXX and XXXX months. | Reviewer Comment (2025-11-17): Received XXXX business bank
statement Buyer Comment (2025-11-17): XXXX XXXX Buyer Comment (2025-11-17): XXXX was not required as loan closed XXXX. Reviewer Comment (2025-11-14): Received statement for month ending XXXX. Please provide month ending statement for XXXX. Acct #XXXX. Exception remains. Buyer Comment (2025-11-14): All statements were uploaded, including #XXXX- we reviewed the package upload. Please advise. |
11/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000166 | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | #3099 Business account Bank statements are missing for XXXX and XXXX months. | Reviewer Comment (2025-11-17): Received missing bank
statements Reviewer Comment (2025-11-14): Received statement for month ending XXXX. Please provide month ending statement for XXXX. Acct #XXXX. Exception remains. Buyer Comment (2025-11-14): Bank statements |
11/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000166 | 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 (2025-11-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 2000000166 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business Bank Statement are missing. | Reviewer Comment (2025-11-17): Missing bank statements
received |
11/17/2025 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000166 | 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 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business Bank Statements are missing. | Reviewer Comment (2025-11-17): Missing bank statements
received |
11/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000099315 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-11-24): Clearing based on review
coming back within tolerances. |
11/24/2025 | 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 | 4000099315 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate missing in file | Reviewer Comment (2025-11-21): Received, Clearing. Seller Comment (2025-11-21): Comment from XXXX (XXXX): Attached |
11/21/2025 | 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 | 4000101597 | 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 does not list coverage amount. | Reviewer Comment (2025-11-21): Accepted as is. |
11/21/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000202 | 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 (2025-11-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 2000000218 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-11-24): Accepted as is. |
11/24/2025 | 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 | 4000099430 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2025-11-28): E-sign Consent Agreement
received, exception cleared Seller Comment (2025-11-28): Comment from XXXX (XXXX): econsent |
11/28/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000099430 | 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 (2025-11-25): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000099430 | 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 (2026-01-07): Letter of Explanation,
Proof of Delivery and ROR received Seller Comment (2026-01-07): Comment from XXXX (XXXX): ROR Reviewer Comment (2025-12-17): Correct Model Form is H-8 which was utilized initially. Exception remains. Buyer Comment (2025-12-17): Comment from XXXX (XXXX): what correct model form do you speak of? Reviewer Comment (2025-12-10): The cure for this is to provide a Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Seller Comment (2025-12-10): Comment from XXXX (XXXX): LOX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | 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 | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000189 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2025-12-02): Accepted as is. |
12/02/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000100563 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2025-12-03): Accepted as is. |
12/03/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000100563 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-12-08): Clearing based on review
coming back within tolerances. Reviewer Comment (2025-12-05): Buyer ordered product. Nothing to do at this time. Buyer Comment (2025-12-05): Comment from XXXX (XXXX): Is this a internal reminder? Do we need to provide any support documents? |
12/08/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000220 | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2025-12-05): Received, Clearing. Reviewer Comment (2025-12-04): This may not be required once we receive the appraisal. However, the appraisal recently provided is not for the subject property. Exception remains |
12/05/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | D | A | A | B | D | A | Non QM | Non QM | No | |||||||||||||
| XXXXX | 2000000220 | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Reviewer Comment (2025-12-05): Received, Clearing. Buyer Comment (2025-12-05): Appraisal |
12/05/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | D | A | A | B | D | A | Non QM | Non QM | No | |||||||||||||
| XXXXX | 2000000220 | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2025-12-05): Received, Clearing. Reviewer Comment (2025-12-05): Appraisal provided is not for the subject property. Buyer Comment (2025-12-05): Appraisal Reviewer Comment (2025-12-04): Appraisal provided is not for the subject property. Exception remains |
12/05/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | D | A | A | B | D | A | Non QM | Non QM | No | |||||||||||||
| XXXXX | 2000000220 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-12-05): Accepted as is. |
12/05/2025 | No | 2 | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | D | A | A | B | D | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000100487 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-12-04): Accepted as is. |
12/04/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Investment | Refinance - Rate/Term | C | B | B | B | B | B | C | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000100487 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not match the Appraisals effective date. | Reviewer Comment (2025-12-12): Previous appraisal received
which matches the Desk review Seller Comment (2025-12-12): Comment from XXXX (XXXX): Appraisal |
12/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Rate/Term | C | B | B | B | B | B | C | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000100487 | XXXXX | XXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-04): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
12/04/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | ID | Investment | Refinance - Rate/Term | C | B | B | B | B | B | C | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000101931 | 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 not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-01-07): XXXX received XXXX CD
received 3 business days prior to consummation. Seller Comment (2026-01-07): Comment from XXXX (XXXX): XXXX Disagree - the CD was sent and signed on XXXX Reviewer Comment (2025-12-31): XXXX received XXXX CD. However, with mailbox rule in effect for timing, CD was not received at least 3 business days prior to consummation date on XXXX. Mailbox rule receipt date is XXXX. Lender provided an electronic disclosure tracking, however, this only reflects when the disclosure was sent and not when borrower received. Package Order and Distributed does not appear to be status for borrower received/acknowledged/viewed. Distributed would imply it was sent via email. Please provide proof of earlier receipt by borrower or timing is not met. Seller Comment (2025-12-30): Comment from XXXX (XXXX): XXXX: Please see the attached // |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000100216 | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. $XXXXover legal limit. A cure of $XXXXwas provided but it was not specified as to which fee cure was applied to. | Reviewer Comment (2026-01-06): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-01-05): Comment from XXXX (XXXX): PH for PR Reviewer Comment (2025-12-22): XXXX received rebuttal comment. However, provided PCCD indicates $XXXX Principal reduction instead Principal reduction for cure exceeding legal limits P.O.C. Lender. This is not specific principal reduction to borrower for the lender credit violation. Please provide a Corrected CD, LOE to borrower reflecting this as a principal reduction for cure credit for costs over legal limits. Along with required payment history to complete remediation. Buyer Comment (2025-12-19): Comment from XXXX (XXXX): Please advise on the REJECTED PCCD and LOX that was uploaded showing Principal Reduction $XXXX on pg 3 Line K-05 > PH is not available yet - accounting adds to Funds and they will provide after its applied Reviewer Comment (2025-12-18): XXXX received PCCD and LOE, however PCCD showing cure as principal reduction whereas it should be updated as principal reduction of cure. Please provide corrected PCCD showing as principal reduction of cure along with payment history to cure the exception. Seller Comment (2025-12-18): Comment from XXXX (XXXX): LOX and PCCD Reviewer Comment (2025-12-16): XXXX received LOX dispute with additional information. However, the attorney document fee $XXXX, Abstract fee $XXXX and document prep fee of $XXXX was not payable to XXXX and all other title fees are payable to XXXX company and the same was elected from SSPL provider list. Hence, the CPL fee $XXXX, Examination fee $XXXX, Lender's title insurance fee $XXXX settlement fee $XXXX and recording fee of $XXXX calculated under XXXX% tolerance and the fees are exceed over XXXX% tolerance of $XXXX (ILE $XXXX + XXXX% ($XXXX) = $XXXX - XXXX FCD). A valid COC for the fee added and increased or Cure is required to borrower. Seller Comment (2025-12-12): Comment from XXXX (XXXX): DISPUTE uploaded in misc Reviewer Comment (2025-12-11): XXXX received LOX. However, as per our calculation the Title- CPL fee charged on CD for XXXX, Title- Examination fee on LE XXXX and XXXX on CD, Title- Lender title insurance charged on CD for XXXX , Recording fee on LE is XXXX and XXXX on CD, Title- Settlement /Closing fee on CD for XXXX. Therefore, the total amount disclosed on LE is XXXX and XXXX on CD the difference is of XXXX . The Final CD is reflecting cure of XXXX and we would require additional cure of XXXX in order to cure this exception along with cure docs. Cure documents consist of Post CD,LOX, Copy of refund check and proof of mailing. Seller Comment (2025-12-10): Comment from XXXX (XXXX): DISPUTE LOX and CIC CD to go with DISPUTE uploaded misc |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | 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 | 4000099043 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument document is missing in file | Reviewer Comment (2025-12-18): Received Security
Instrument document. Exception cleared. Seller Comment (2025-12-18): Comment from XXXX (XXXX): MTG Attached |
12/18/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000099043 | 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 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 (2025-12-08): Accepted as is. |
12/08/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000099043 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Security Instrument document is missing in file | Reviewer Comment (2025-12-08): Accepted as is. |
12/08/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000099043 | 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. | Sufficient cure or valid COC not provided at the time of closing. | Reviewer Comment (2026-01-23): XXXX received Corrected
PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check
resulting in a cured the exception. Seller Comment (2026-01-22): Comment from XXXX (XXXX): PCCD, Refund Check, Proof of check sent Reviewer Comment (2025-12-19): XXXX received Changed Circumstance dated 10/20/2025, but it does not give sufficient information on why the UW required appraisal review. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment (2025-12-18): Comment from XXXX (XXXX): The attached initial CD showing the COC |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000098999 | 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. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-06): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-01-06): Comment from XXXX (XXXX): Cure docs Reviewer Comment (2026-01-02): XXXX received PCCD and copy of refund check. Missing LOE and proof of mailing. Seller Comment (2025-12-31): Comment from XXXX (XXXX): Cure Docs |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000098999 | 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. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-06): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-01-06): Comment from XXXX (XXXX): Cure Docs Reviewer Comment (2026-01-02): XXXX received PCCD and copy of refund check. Missing LOE and proof of mailing. Seller Comment (2025-12-31): Comment from XXXX (XXXX): Cure Docs |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000098999 | 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 ___. | Max per guides for Rural Second Home. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-07): Client elects to waive with
compensating factors Seller Comment (2026-01-07): Comment from XXXX (XXXX): Exception approved Reviewer Comment (2025-12-23): Please submit online via XXXX online seller portal for a formal review. Exception remains. (XXXX) Seller Comment (2025-12-23): Comment from XXXX (XXXX): LOX Rebuttal - UW |
01/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000098999 | 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 ___. | Max per guides for Rural Second Home. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-07): Client elects to waive with
compensating factors Seller Comment (2026-01-07): Comment from XXXX (XXXX): Exception approved Reviewer Comment (2025-12-23): Please submit online via XXXX online seller portal for a formal review. Exception remains. (XXXX) Seller Comment (2025-12-23): Comment from XXXX (XXXX): LOX Rebuttal - UW |
01/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 2000000234 | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2025-12-09): Received, Clearing. Buyer Comment (2025-12-09): XXXXin the name of LLC, REO docs provided but not required as property held in LLC |
12/09/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 2000000234 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2025-12-09): Accepted as is. |
12/09/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 2000000234 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2025-12-09): Accepted as is. |
12/09/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000100395 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in the file. | Reviewer Comment (2025-12-12): Fraud Report received,
exception cleared Seller Comment (2025-12-12): Comment from XXXX (XXXX): fraud report |
12/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000100395 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOI Verification | Reviewer Comment (2025-12-12): HOI Verification, exception
cleared Seller Comment (2025-12-12): Comment from XXXX (XXXX): HOI |
12/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000100395 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Utilizing amended and higher qualifying income vs stated income from initial signed 1003. | 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-09): Client elected to
waive/regrade with compensating factors.
Lender exception provided. |
12/09/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000102231 | 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 (2025-12-09): Accepted as is. |
12/09/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000098892 | 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 | HOEPA disclosure was not provided to the Borrower | Reviewer Comment (2025-12-15): Received, Clearing. Buyer Comment (2025-12-15): Comment from XXXX (XXXX): XXXX Disagree. Par rate XXXX - APOR XXXX =XXXX . Since the difference is less than 1 they are qualified to get 2% Bonafide discount. Reviewer Comment (2025-12-13): Based on a XXXX undisclosed interest rate and 0 par the discount fees are not bona fide. Seller Comment (2025-12-12): Comment from XXXX (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 $XXXX. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000098892 | 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. | Mortgage loan financed Points and Fees. | Reviewer Comment (2025-12-15): Received, Clearing. Buyer Comment (2025-12-15): Comment from XXXX (XXXX): XXXX Disagree. Par rate XXXX - APOR XXXX =XXXX . Since the difference is less than 1 they are qualified to get 2% Bonafide discount. Reviewer Comment (2025-12-13): Based on a XXXX undisclosed interest rate and 0 par the discount fees are not bona fide. Seller Comment (2025-12-12): Comment from XXXX (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 $XXXX. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000098892 | 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 XXXX% of the amount past due or grace period of less than 15 days. | 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 (2025-12-15): Received, Clearing. Buyer Comment (2025-12-15): Comment from XXXX (XXXX): XXXX Disagree. Par rate XXXX - APOR XXXX =XXXX . Since the difference is less than 1 they are qualified to get 2% Bonafide discount. Reviewer Comment (2025-12-13): Based on a XXXX undisclosed interest rate and 0 par the discount fees are not bona fide. Seller Comment (2025-12-12): Comment from XXXX (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 $XXXX. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000098892 | 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 $XXXXvs. an allowable total of $XXXX(an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | 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 $XXXXvs. an allowable total of $XXXX(an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | Reviewer Comment (2025-12-15): Received, Clearing. Buyer Comment (2025-12-15): Comment from XXXX (XXXX): XXXX Disagree. Par rate XXXX - APOR XXXX =XXXX . Since the difference is less than 1 they are qualified to get 2% Bonafide discount. Reviewer Comment (2025-12-13): Based on a XXXX undisclosed interest rate and 0 par the discount fees are not bona fide. Seller Comment (2025-12-12): Comment from XXXX (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 $XXXX. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | (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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000098892 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. | Reviewer Comment (2025-12-15): Received, Clearing. Buyer Comment (2025-12-15): Comment from XXXX (XXXX): XXXX Disagree. Par rate XXXX - APOR XXXX =XXXX . Since the difference is less than 1 they are qualified to get 2% Bonafide discount. Reviewer Comment (2025-12-13): Based on a XXXX undisclosed interest rate and 0 par the discount fees are not bona fide. Seller Comment (2025-12-12): Comment from XXXX (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 $XXXX. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000098892 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Texas High-Cost Loan (Ability to Repay not Verified) | Texas High-Cost Loan: Borrower's ability to repay not verified with reliable documentation. | Reviewer Comment (2025-12-15): Received, Clearing. Buyer Comment (2025-12-15): Comment from XXXX (XXXX): XXXX Disagree. Par rate XXXX - APOR XXXX =XXXX . Since the difference is less than 1 they are qualified to get 2% Bonafide discount. Reviewer Comment (2025-12-13): Based on a XXXX undisclosed interest rate and 0 par the discount fees are not bona fide. Seller Comment (2025-12-12): Comment from XXXX (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 $XXXX. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | No obvious cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000098892 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | Texas Anti-Predatory Lending Statute: Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXXon a Total Loan Amount of $XXXXvs. an allowable total of $XXXX(an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $von a Total Loan Amount of $XXXXvs. an allowable total of $XXXX(an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | Reviewer Comment (2025-12-15): Received, Clearing. Buyer Comment (2025-12-15): Comment from XXXX (XXXX): XXXX Disagree. Par rate XXXX - APOR XXXX =XXXX . Since the difference is less than 1 they are qualified to get 2% Bonafide discount. Reviewer Comment (2025-12-13): Based on a XXXX undisclosed interest rate and 0 par the discount fees are not bona fide. Seller Comment (2025-12-12): Comment from XXXX (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 $XXXX. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | No obvious cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000098892 | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | No Cure provided | Reviewer Comment (2025-12-15): 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 (2025-12-12): Comment from XXXX (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 Appraisal Fee. |
12/15/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | 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 | 4000098892 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | Compliant Texas 50(f)(2) loan without signed TX50(f)(2) Affidavit. Loan is reviewed as a TX50(f)(2) loan. | Texas Constitution Section 50(f-1) Affidavit Acknowledging Requirements of Subsection (f)(2) not in file, however, review of loan file indicates loan meets all conditions in 50(f)(2)(a) to (d). Loan is not reviewed as a TX50(a)(6) loan. | Reviewer Comment (2025-12-11): Accepted as is. |
12/11/2025 | No | 2 | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000098892 | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000104812 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The hazard insurance coverage amount is insufficient, however, the Replacement cost estimator is not provided in the file. | Reviewer Comment (2025-12-11): Received, Clearing. Buyer Comment (2025-12-11): Comment from XXXX (XXXX): XXXX does not specify what is needed and Fannie does not disallow a processor's cert and we the source we used was the property insurer. Determining the Required Coverage Amount The lender or servicer must verify that the property insurance coverage amount for a first mortgage secured by a one- to four-unit property is at least equal to the lesser of: • 100% of the replacement cost value of the improvements as of the current property insurance policy effective date, or • the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. The source that the lender or servicer uses to verify the coverage amount may be the property insurer, an independent insurance risk specialist, or other professional with appropriate resources to make such a determination. This may include, but is not limited to, a statement from the insurer or other applicable professional, a replacement cost estimator, or an insurance risk appraisal. Reviewer Comment (2025-12-10): Processor's certification states that the dwelling coverage amount meets or exceeds the replacement cost value. However, Replacement Cost Estimator is not provided. Please provide Replacement Cost Estimator or provide updated Hazard Insurance Policy with sufficient coverage amount. Exception remains. Seller Comment (2025-12-10): Comment from XXXX (XXXX): the processors cert was included in the file - see attached |
12/11/2025 | 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 | 4000104812 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., xxxxxx) and evidence of at least 12 months of Operating History is not present in the loan file. | Reviewer Comment (2025-12-10): Received 12 months
Operating History. Exception cleared. Seller Comment (2025-12-10): Comment from XXXX (XXXX): this was provided in the package |
12/10/2025 | 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 | 2000000223 | 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 (2025-12-10): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 2000000223 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2025-12-10): Accepted as is. |
12/10/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000100955 | 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 (2025-12-11): Accepted as is |
12/11/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000259 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-12-10): Accepted as is. |
12/10/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000259 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-12-10): Accepted as is. |
12/10/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000259 | 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 CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2025-12-10): Accepted as is. |
12/10/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000103418 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York 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 0 + XXXX %, or XXXX %. 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 XXXX0 + XXXX%, or XXXX%. Compliant SubPrime Loan. | Reviewer Comment (2025-12-11): Accepted as is. |
12/11/2025 | 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 | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000103418 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Reviewer Comment (2025-12-17): Sourced the EMD, exception
cleared Seller Comment (2025-12-17): Comment from XXXX (XXXX): asset LOX |
12/17/2025 | 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 | Non QM | No | |||||||||||
| XXXXX | 4000103418 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX6. | Reviewer Comment (2026-02-03): Sufficient reserves
verified with additional bank statement Reviewer Comment (2026-02-03): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Seller Comment (2026-02-03): Comment from XXXX (XXXX): assets Reviewer Comment (2026-02-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Reviewer Comment (2025-12-17): Still short of reserve requirement by $XXXX after sourcing the EMD. The XXXX Bank account was received for XXXX showing a much lower balance than in XXXX. Exception remains. Seller Comment (2025-12-17): Comment from XXXX (XXXX): asset LOX |
02/03/2026 | 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 | Non QM | No | |||||||||||
| XXXXX | 4000101700 | 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 (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 borrower was not provided. | Reviewer Comment (2025-12-17): Received document
confirming the delivery of appraisal report. Exception cleared. Seller Comment (2025-12-17): Comment from XXXX (XXXX): Initial appraisal was delivered to the borrower on(XXXX). There was a corrected appraisal that should have been sent by the XXXX on (XXXX). The revision was updating the location of the property from "rural" to "suburban". There was no change in value. This corrected appraisal has now been sent to the borrower. Reviewer Comment (2025-12-16): Please provide a copy of the earlier provided appraisal. Seller Comment (2025-12-16): Comment from XXXX (XXXX): appraisal delivery |
12/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000101700 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (XXXX 2014): Appraisal not obtained prior to consummation. | Reviewer Comment (2025-12-23): Received, Clearing. Seller Comment (2025-12-22): Comment from XXXX (XXXX): please find the initial appraisal. Reviewer Comment (2025-12-16): Please provide a copy of the earlier provided appraisal. Seller Comment (2025-12-16): Comment from XXXX (XXXX): appraisal delivery verification |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000101700 | 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. | HPML requirements not met. Subject address and lender on appraisal are incorrect. | Reviewer Comment (2025-12-23): Received, Clearing. |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000101700 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-12): Client elects to waive |
12/12/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000101700 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2025-12-16): Received, Clearing. Seller Comment (2025-12-16): Comment from XXXX (XXXX): UCDP score 1, no need for secondary valuation |
12/16/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000101700 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2025-12-18): Accepted as is. |
12/18/2025 | No | 2 | B | B | B | B | B | FL | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000101799 | XXXXX | XXXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | Primary Housing history not provided. Lives rent free with parents. Incomplete Lender Exception provided. | Reviewer Comment (2025-12-29): Borrower is not first time
homebuyer or first time investor Buyer Comment (2025-12-29): Comment from XXXX (XXXX): Rent free letter was already provided Reviewer Comment (2025-12-26): Provide Fully Executed Lender Exception from XXXX or Rent-Free letter. Exception remains. Buyer Comment (2025-12-26): Comment from XXXX (XXXX): Borrower is not a first time investor and currently owns additional properties. Exception should not be needed Reviewer Comment (2025-12-23): Please provide fully executed Lender Exception from XXXX. Seller Comment (2025-12-23): Comment from XXXX (XXXX): Exception approval Reviewer Comment (2025-12-18): Per guidelines, First Time Investors may not be a First Time Homebuyer. Exception remains Seller Comment (2025-12-18): Comment from XXXX (XXXX): LOX |
12/29/2025 | 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 | 4000101113 | 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 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 (2026-01-07): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-01-07): Comment from XXXX (XXXX): Replacement Cost of new Reviewer Comment (2025-12-16): Replacement Cost Estimate not provided. Exception remains, Buyer Comment (2025-12-16): Comment from XXXX (XXXX): The insurance policy covers dwelling replacement cost and has extended dwelling coverage, see dwelling coverage limits in the policy. |
01/07/2026 | 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 | 2000000238 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-16): Accepted as is. |
12/16/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000238 | 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. | The closing took place on XXXX, however the final CD reflects a disbursement date of XXXX. To cure exception, provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Reviewer Comment (2025-12-16): Received, Clearing. Buyer Comment (2025-12-16): Closed XXXX |
12/16/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000238 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Properties with unpermitted additions are ineligible | 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%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-16): Client elects to waive with
compensating factors |
12/16/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000248 | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2025-12-16): Received E-sign Consent
Agreement. Exception cleared. Buyer Comment (2025-12-16): e consent |
12/16/2025 | 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 | 2000000248 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | CoBorrower is self-employed. Took second salaried job in January 2025. Exception to use second income to qualify (less than 2 Yr- almost 1). | 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. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-16): Client elects to waive with
compensating factors |
12/16/2025 | 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 | Non QM | No | ||||||||||
| XXXXX | 2000000248 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2025-12-16): Accepted as is. |
12/16/2025 | 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 | 2000000248 | 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. | The closing took place on XXXX, however the final CD reflects a disbursement date of XXXX, which doesn't allow the borrower 3 days to rescind. Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form to cure. | Reviewer Comment (2025-12-16): Received, Clearing. Buyer Comment (2025-12-16): Closed XXXX |
12/16/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000102065 | 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. | Loan Discount Points increased from $XXXX to $XXXX, without a valid Change Circumstance document. No cure provided. | Reviewer Comment (2025-12-23): XXXX received COC dated
XXXX for rate lock. Seller Comment (2025-12-22): Comment from XXXX (XXXX): COC LE XXXX for the points Reviewer Comment (2025-12-22): XXXX received updated LE dated XXXX and changed circumstance dated XXXX. However, there seems to be no valid COC in the loan file for the discount point fee was increased. Provide valid COC for the fee increased on XXXX LE or Cure is required to borrower. Seller Comment (2025-12-18): Comment from XXXX (XXXX): COC LE |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | 4000102065 | 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 Attorney Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review fee increased from $XXXX to $XXXX, without a valid Changed Circumstance. No cure provided. | Reviewer Comment (2025-12-30): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2025-12-29): Comment from XXXX (XXXX): LOX Reviewer Comment (2025-12-24): XXXX received LOE for system glitch, however we also require additional information with supporting document to verify when lender became aware of the change. Please provide same to re-evaluate the exception. Seller Comment (2025-12-23): Comment from XXXX (XXXX): LOX Reviewer Comment (2025-12-23): XXXX received COC dated XXXX for change in loan program to CEMA. But, the fee was changed on final CD dated XXXX. The COC provided is after the final CD disclosed. Please provide more information along with the supporting document to validate the timeline when lender has become aware of the change or cure will be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Seller Comment (2025-12-22): Comment from XXXX (XXXX): COC CD for CEMA attorney review fee Reviewer Comment (2025-12-22): XXXX received updated LE dated XXXX and changed circumstance dated XXXX. However, XXXX also required supporting documentation of timeline for review and to provide supporting information on when lender become aware of the loan was closed with CEMA or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2025-12-18): Comment from XXXX (XXXX): COC LE |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | 4000105145 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-12-19): Clearing based on review
coming back within tolerances. Reviewer Comment (2025-12-17): Buyer ordered review nothing to do at this time. Seller Comment (2025-12-17): Comment from XXXX (XXXX): Hello Team, please see attached and the score is 1.1 less than 2.5. Please waive this condition. Thank you |
12/19/2025 | 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 | 4000103546 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Based on loan amount, a second full appraisal is required | Reviewer Comment (2025-12-22): Received Appraisal.
Exception cleared. Seller Comment (2025-12-22): Comment from XXXX (XXXX): Appraisal attached. |
12/22/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000106511 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Increased Rate After Default) | Truth in Lending Act (HOEPA): Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2025-12-22): Received, Clearing. |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000106511 | 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 | Reviewer Comment (2025-12-22): Received, Clearing. |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000106511 | 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. | Reviewer Comment (2025-12-22): Received, Clearing. |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000106511 | 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. | Reviewer Comment (2025-12-22): Received, Clearing. |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000106511 | 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 $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXXor .XXXX%). Non-Compliant High Cost Loan. | Reviewer Comment (2025-12-22): Received, Clearing. Seller Comment (2025-12-22): Comment from XXXX (XXXX): Please see attached XXXX, as per our mavent, we are not failing any high cost tests. |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000106511 | 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. | Reviewer Comment (2025-12-22): Received, Clearing. |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000106511 | 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 (2025-12-18): Accepted as is. |
12/18/2025 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000106511 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (XXXX 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2025-12-18): Accepted as is. |
12/18/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000100865 | 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 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 (2025-12-18): Accepted as is. |
12/18/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000100865 | 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 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 (2025-12-18): Accepted as is. |
12/18/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000100865 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | XXXX Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording | Reviewer Comment (2025-12-23): Provided. Cleared. Seller Comment (2025-12-23): Comment from XXXX (XXXX): Recorded Mtg w/XXXX page |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000104236 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate not provided | Reviewer Comment (2025-12-19): Received, Clearing. Seller Comment (2025-12-19): Comment from XXXX (XXXX): Please see attached to clear condition |
12/19/2025 | 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 | 4000104236 | 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 | Payment is based of I/O terms. Note is not I/O. | Reviewer Comment (2026-01-03): Received, Clearing. Seller Comment (2026-01-02): Comment from XXXX (XXXX): Copy of new note, original to follow Reviewer Comment (2025-12-22): The attached addendum is a Inter Vivos Revocable Trust which has nothing to do with the I/O issue. Seller Comment (2025-12-19): Comment from XXXX (XXXX): Please see attached addendum to note. |
01/03/2026 | 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 | 4000099460 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance policy not provided | Reviewer Comment (2025-12-19): Received, Clearing. Seller Comment (2025-12-19): Comment from XXXX (XXXX): XXXX |
12/19/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000099460 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Need the appraisal or purchase contract for this property. | Reviewer Comment (2025-12-19): Received, Clearing. Seller Comment (2025-12-19): Comment from XXXX (XXXX): Agreement of Sale XXXX XXXX |
12/19/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000101488 | 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 $XXXX'. Insufficient or no cure was provided to the borrower. | Lender Credits decreased from -$XXXX' to -$XXXX' at closing. | Reviewer Comment (2026-01-07): XXXX received LOE
suffice. Seller Comment (2026-01-06): Comment from XXXX (XXXX): LOX Reviewer Comment (2026-01-05): XXXX received COC dated XXXX which was already in file but the decrease of lender credit is not proportionate to the decrease in loan amount. Moreover, when loan amount changes the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased, or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower. Seller Comment (2026-01-05): Comment from XXXX (XXXX): docs |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000101488 | 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 Fee. Fee Amount of $XXXX' exceeds tolerance of $XXXX'. $XXXX' over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure provided for fee increase. Exception will be revisited once all other tolerance violations are addressed. | Reviewer Comment (2026-01-07): 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 (2026-01-06): Comment from XXXX(XXXX): LOX Reviewer Comment (2026-01-05): XXXX received COC dated XXXX however the reason is not valid. Kindly provide detail information as to why the Appraisal fee increased on CD dated XXXX or cure due to borrower .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-01-05): Comment from XXXX (XXXX): DOCS |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000101488 | 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. | Sufficient cure provided for fee increase. Exception will be revisited once all other tolerance violations are addressed. | Reviewer Comment (2026-01-07): 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 (2026-01-06): Comment from XXXX (XXXX: LOX Reviewer Comment (2026-01-05): XXXX received COC dated XXXX however the reason is not valid. Kindly provide detail information as to why the credit report fee increased on CD dated XXXX or cure due to borrower .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-01-05): Comment from XXXX (XXXX): DOCS |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000101488 | 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 (2026-01-05): Sufficient UCDP score
provided. Cleared Seller Comment (2026-01-05): Comment from XXXX (XXXX): LOX and SSR |
01/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Primary | Refinance - Rate/Term | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000101488 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Zoning description is rural/agricultural which does not meet guidelines | 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. 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 |
Reviewer Comment (2026-01-14): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-01-14): Comment from XXXX (XXXX): EXCEPTION Reviewer Comment (2026-01-05): Per guides Agricultural zoned properties are ineligible. Exception remains. Seller Comment (2026-01-05): Comment from XXXX (XXXX): LOX from UW |
01/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Refinance - Rate/Term | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000101488 | 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 provided at closing | Reviewer Comment (2026-01-07): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000101488 | 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 provided at closing | Reviewer Comment (2026-01-07): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | MI | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000102197 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2026-01-23): Received CDA. Exception
cleared. Seller Comment (2026-01-23): Comment from XXXX (XXXX): CDA |
01/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | ME | Primary | Purchase | D | B | D | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000102197 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-23): Accepted as is. |
12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Primary | Purchase | D | B | D | B | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000102197 | 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. | Appraisal Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Purchase | Final CD evidences Cure | D | B | D | B | B | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000102197 | 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. | Transfer Tax Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Purchase | Final CD evidences Cure | D | B | D | B | B | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000102197 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent free LOE required by guidelines is not found in the file. | Reviewer Comment (2026-01-27): Exception received,
cleared Seller Comment (2026-01-27): Comment from XXXX (XXXX): APPROVED EXCEPTION |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | ME | Primary | Purchase | D | B | D | B | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000102197 | 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 ___. | Due to rural property LTV limitations. | Reviewer Comment (2026-01-27): Exception received,
cleared Seller Comment (2026-01-27): Comment from XXXX (XXXX): APPROVED EXCEPTION |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Purchase | D | B | D | B | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000102197 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 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 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 (2026-01-27): Lender exception approved
for rural property >75% and no rent free letter |
01/27/2026 | Yes | 2 | B | B | B | B | B | ME | Primary | Purchase | D | B | D | B | B | B | D | A | Non QM | Non QM | No | |||||||||||||||
| XXXXX | 4000103390 | 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 (2025-12-23): Accepted as is. |
12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000103390 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-12-24): Cleared based on review
coming back within tolerances |
12/24/2025 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 2000000265 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower's ownership percentage of company is .XXXX% less that what the guidelines require. | 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 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 SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-23): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
12/23/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Home Improvement | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000265 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-12-23): Accepted as is. |
12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Home Improvement | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000278 | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in file. | Reviewer Comment (2025-12-30): Received E-Sign Consent
Agreement. Exception cleared. |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000278 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-12-23): Accepted as is. |
12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000102090 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing copy of HOA Verification . | Reviewer Comment (2026-01-17): Received, Clearing. Seller Comment (2026-01-16): Comment from XXXX (XXXX): Please see atatched corrected 1003. Reviewer Comment (2026-01-08): As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $XXXX for the property XXXX is included in DTI. Taxes: $XXXX, Hazard & Fire Insurance: $XXXX and HOA Dues: $XXXX amounts have been verified from the supporting documentation. Please provide supporting documentation for the remaining unverified amount of $XXXX. Exception remains. Seller Comment (2026-01-08): Comment from XXXX (XXXX): Attached |
01/17/2026 | 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 | N/A | No | ||||||||||
| XXXXX | 4000103840 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-12-30): Clearing based on review
coming back within tolerances. |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000103840 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit Report date is more than 90 days prior to the Note date. Credit Report is dated XXXX. The Note date is XXXX. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-29): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-01-29): Comment from XXXX (XXXX): APPROVAL LETTER Reviewer Comment (2026-01-27): An exception is the only course since you don't have a credit within the timeframe pre-close. Buyer Comment (2026-01-27): Comment from XXXX (XXXX): How else can we resolve this? Reviewer Comment (2026-01-27): An exception from the buyer of the loan would be needed to use the old credit report. Buyer Comment (2026-01-27): Comment from XXXX (XXXX): are we allowed to pull a new report? Reviewer Comment (2026-01-26): Credit report provided is 110 days prior to Note Date. 90 Days required. Exception remains. Buyer Comment (2026-01-26): Comment from XXXX (XXXX): Hi, is the credit report not sufficient for 120 days? Reviewer Comment (2026-01-13): Please provide updated credit report. Exception remains. Seller Comment (2026-01-13): Comment from XXXX (XXXX): UDN |
01/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000103840 | 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 (2026-01-02): Client elects to waive |
01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000103840 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing. | Reviewer Comment (2026-01-13): Provided. Clearing Seller Comment (2026-01-13): Comment from XXXX (XXXX): 1003 |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000103840 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Final Closing Disclosure is missing. | Reviewer Comment (2026-01-13): Provided. Cleared. Seller Comment (2026-01-13): Comment from XXXX (XXXX): FINAL CD |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000103840 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Max XXXX% allowed as per Guidelines for Rural Properties. | Reviewer Comment (2026-01-08): Received, Clearing. Seller Comment (2026-01-08): Comment from XXXX (XXXX): doc |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000103840 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Max XXXX% allowed as per Guidelines for Rural Properties. | Reviewer Comment (2026-01-08): Received, Clearing. Seller Comment (2026-01-08): Comment from XXXX (XXXX): doc |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000103840 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-02): Client elects to waive |
01/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000106984 | 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 ___. | Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. 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 |
Reviewer Comment (2025-12-31): Client elects to waive with
compensating factors |
12/31/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000106984 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 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 | 4000106984 | 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 (XXXX2014): 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 (2025-12-31): Client waived the reserves
exception |
12/31/2025 | 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 | 4000105328 | 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 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 (2025-12-29): Client elects to waive |
12/29/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000105328 | 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 (2025-12-26): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000105328 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Purchase Agreement / Sales Contract required for the departure residence. | Reviewer Comment (2025-12-30): Purchase Agreement / Sales
Contract received, exception cleared Seller Comment (2025-12-30): Comment from XXXX (XXXX): Purchase contract from sale of XXXX attached Seller Comment (2025-12-30): Comment from XXXX (XXXX): Final ALTA from sale of XXXX attached showing property has been sold. Do you still require the purchase contract for the sale? |
12/30/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000102440 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-12-30): Accepted as is. |
12/30/2025 | 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 | 4000102440 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-12-30): Accepted as is. |
12/30/2025 | 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 | 4000102440 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-01-02): Associated VVOE. Exception
cleared. Seller Comment (2025-12-31): Comment from XXXX (XXXX): Hello, please see attached. |
01/02/2026 | 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 | 4000105617 | 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 (2025-12-30): Accepted as is. |
12/30/2025 | No | 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 | 4000105617 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2025-12-31): Clearing based on review
coming back within tolerances. |
12/31/2025 | 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 | 4000106530 | 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 (2025-12-30): Accepted as is. |
12/30/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000106747 | 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 (2025-12-31): Accepted as is. |
12/31/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000106747 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide updated Final 1003 with Declarations section filled in. | Reviewer Comment (2026-01-02): Received final signed
XXXX Seller Comment (2026-01-02): Comment from XXXX (XXXX): signed XXXX Reviewer Comment (2026-01-02): The corrected 1003 needs to be signed and changes initialed by the borrower. Seller Comment (2025-12-31): Comment from XXXX (XXXX): 1003 XXXX |
01/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000106750 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2025-12-31): Accepted as is. |
12/31/2025 | 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 | 4000103694 | 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 Funding 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 Funding Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. (7396) | Reviewer Comment (2025-12-31): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | D | B | D | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000103694 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for the use of the business funds to qualify when the borrower changed the business name in 2024. Business name changed from XXXX to XXXX Comp factors FICO XXXX, $XXXX in residual income. | 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 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 (2026-01-02): Client elects to
waive/regrade with compensating factors. |
01/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000103694 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The security instrument is not signed. Provide fully executed security instrument. | Reviewer Comment (2026-02-04): Received Security
Instrument - Subject Lien. Exception cleared. Seller Comment (2026-02-04): Comment from XXXX (XXXX): DOT Reviewer Comment (2026-01-12): Deed does not clear the requirement for fully executed security instrument. Seller Comment (2026-01-12): Comment from XXXX (XXXX): deed Reviewer Comment (2026-01-07): Note was received, Need the signed Security Agreement. Seller Comment (2026-01-07): Comment from XXXX (XXXX): SI |
02/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000103694 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The MERS rider is not signed. | Reviewer Comment (2026-01-07): Received, Clearing. Seller Comment (2026-01-07): Comment from XXXX (XXXX): MERS |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | D | B | D | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000102687 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-06): Clearing based on review
coming back within tolerances. |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000102687 | 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. | Need sufficient cure for Funding Fee | Reviewer Comment (2026-02-04): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-02-03): Comment from XXXX (XXXX): Tolerance cure listed in Section L on page 3 Reviewer Comment (2026-02-03): XXXX Received Corrected PCCD, LOE, Refund Check and Proof of Mailing; however, PCCD does not reflects Cure amount under section. Provide Corrected PCCD and LOE showing Cure amount under section J. Seller Comment (2026-02-02): Comment from XXXX (XXXX): PCCD Reviewer Comment (2026-01-13): XXXX received LOX for rebuttal response that borrower requested to change the product, and the fees are updated as per the program and investor. But there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise, cure is required to borrower. Seller Comment (2026-01-12): Comment from XXXX (XXXX): program change Reviewer Comment (2026-01-08): XXXX received COC dated XXXX, however funding fee increased on CD dated XXXX. Please provide valid COC with sufficient information for CD dated XXXX or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-01-07): Comment from XXXX (XXXX): COC LE |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | 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 | 4000102958 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-06): Clearing based on review
coming back within tolerances. |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000104286 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval/1008 is missing. | Reviewer Comment (2026-01-02): Received Loan Underwriting
and Transmittal Summary XXXX Exception cleared. Seller Comment (2026-01-02): Comment from XXXX (XXXX): Please see attached |
01/02/2026 | 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 | 4000104286 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-01-03): Received, Clearing. Seller Comment (2026-01-02): Comment from XXXX (XXXX): Please see attached |
01/03/2026 | 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 | 4000104286 | 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 (2026-01-03): Received, Clearing. Seller Comment (2026-01-02): Comment from XXXX (XXXX): Please see attached. |
01/03/2026 | 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 | 4000104286 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing. | Reviewer Comment (2026-01-03): Received, Clearing. |
01/03/2026 | 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 | 4000104286 | 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 (2026-01-05): Received, Clearing. Seller Comment (2026-01-05): Comment from XXXX (XXXX): Please see attached |
01/05/2026 | 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 | 4000104286 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-01-03): Received, Clearing. Seller Comment (2026-01-02): Comment from XXXX (XXXX): Please see attached |
01/03/2026 | 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 | 4000104752 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | XXXX Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) 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. | 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. | Reviewer Comment (2026-01-08): XXXX received updated
E-sign Consent agreement with eConsent accepted by borrower on XXXX. Seller Comment (2026-01-07): Comment from XXXX (XXXX): EConsent |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000104004 | 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 updated to Non-QM as per Deal. | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | 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 | 4000104004 | 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. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | 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 | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000104004 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance. (Note: Does not apply to a subordinate lien when the taxes and insurance are escrowed through another home loan. It also does not apply if the borrower can demonstrate a record of XXXX months of timely payments of taxes and insurance on a previous home loan.) | Mandatory escrow account not established for the collection of property taxes and insurance. | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | 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 | 4000104004 | 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 of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or 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 SubPrime Loan | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | 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 | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000104004 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing evidence of taxes and insurance | Reviewer Comment (2026-01-12): Cleared, subject is a COOP,
documentation provided. Seller Comment (2026-01-12): Comment from XXXX (XXXX): The property in question is a coop, there is documentation in file for the monthly maintenance fee (XXXX ) which was included in the DTI and, as is standard for XXXX coops, includes property tax and coop insurance. |
01/12/2026 | 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 | 4000108429 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2026-01-05): Accepted as is. |
01/05/2026 | 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 | 4000104247 | 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 was provided to the borrower. | Reviewer Comment (2026-01-13): XXXX received a valid
COC. Seller Comment (2026-01-12): Comment from XXXX (XXXX): lock confirmation |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | 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 | 4000107311 | 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 of XXXX. | Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-12): Client elects to waive with
compensating factors |
01/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000107311 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-01-12): Client elects to waive
reserves exception with compensating factors. Loan designated NonQm |
01/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000107311 | 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 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Risk due to Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-01-12): Client elects to waive
reserves exception with compensating factors. Loan designated NonQm |
01/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000107311 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrower is currently residing rent-free, a letter must be provided from the person responsible for the current rent or mortgage payment. | Reviewer Comment (2026-01-06): Received Rent free letter.
Exception cleared. Seller Comment (2026-01-06): Comment from XXXX (XXXX): Hello, please see attached, thank you |
01/06/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000106932 | 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 (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment (2026-01-06): Accepted as is. |
01/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000274 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | There is not evidence in the file that the borrower received a copy of the appraisal report at least three (3) business days prior to closing. | Reviewer Comment (2026-01-05): Accepted as is. |
01/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000274 | 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. | Cure not provided for Transfer Tax Fee increase from $XXXX on the initial LE to $XXXX on the final CD. | Reviewer Comment (2026-01-08): XXXX received updated LE's
and valid changed circumstance. |
01/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | 4000107346 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Page XXXX of XXXX is missing from the Security Instrument. This page includes the Rider information. | Reviewer Comment (2026-01-06): Received Security
Instrument. Exception cleared. Seller Comment (2026-01-06): Comment from XXXX (XXXX): Page 2 |
01/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000233 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2026-01-06): Accepted as is. |
01/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000233 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2026-01-06): Accepted as is. |
01/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000233 | 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 (2026-01-06): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 2000000233 | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-01-07): Received Fraud Report.
Exception cleared. |
01/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000105305 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-06): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000104368 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal is missing. 1073 in file is missing information on page 1. | Reviewer Comment (2026-01-15): Complete 1073 received,
cleared Seller Comment (2026-01-15): Comment from XXXX (XXXX): appraisal |
01/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Second Home | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000104368 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal is missing. 1073 in file is missing information on page 1. | Reviewer Comment (2026-01-15): Complete 1073 received,
cleared Seller Comment (2026-01-15): Comment from XXXX (XXXX): appraisal |
01/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Second Home | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000104368 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Appraisal is missing. 1073 in file is missing information on page 1. | Reviewer Comment (2026-01-15): Complete 1073 received, PDI
not required, cleared Seller Comment (2026-01-15): Comment from XXXX (XXXX): appraisal |
01/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000275 | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is $XXXX The loan amount is $XXXX. Insurance is sufficient. | Reviewer Comment (2026-01-14): Received, Clearing. Reviewer Comment (2026-01-14): . Reviewer Comment (2026-01-13): Accepted as is per client. Buyer Comment (2026-01-13): Waiving as this covers loan amount Reviewer Comment (2026-01-13): 80% of Estimated Cost New ($XXXX*80%) = $XXXX and Hazard Insurance document reflects Dwelling Coverage of $XXXX and 25% of Extended Replacement Coverage is $XXXX. However, there is shortfall of $XXXX. Please provide updated Hazard Insurance Policy with sufficient coverage or provide Replacement Cost Estimator. Exception remains. Buyer Comment (2026-01-12): Coverage is sufficient. Please see Coverage A for additional coverage of XXXX. |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000275 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2026-01-08): Accepted as is. |
01/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000105761 | 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 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 (2026-01-09): Accepted as is. |
01/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000105761 | 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 (3) business days of application. Initial Loan Estimate dated XXXXwas 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. | Initial LE dated XXXX was signed XXXX. Loan Estimate not delivered to Borrower(s) within three (3) business days of application as required by guidelines. | Reviewer Comment (2026-02-05): XXXX Received Disclosure
summary along with supporting comments on the exception stating LE was mailed
out on XXXX. Buyer Comment (2026-02-05): Comment from XXXX (XXXX): On the 3rd day due to borrower not acknowledging the e-consent the package was paper mailed out, see below. Our records indicate the delivery on XXXX resulted in a paper out on XXXX and e consent on XXXX for all remaining disclosures. Please advise if this is not clear or more is needed. Reviewer Comment (2026-02-02): The consumer went through the eConsent process on XXXX, the consumer acknowledged the receipt of the LE on XXXX. But the loan application date was XXXX. In the event the consumer had not provided eConsent by XXXX, then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. Buyer Comment (2026-01-30): Comment from XXXX (XXXX): Our records indicate the following the attorney fee was not a service required for the loan. The borrower chose to retain an attorney to review the transaction on his behalf. This was borrowers' personal choice to hire an attorney and should not be included in the amount financed or finance charge. |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000108299 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (XXXX 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-01-12): Accepted as is. |
01/12/2026 | 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 | Exempt from ATR | No | |||||||||||
| XXXXX | 4000105809 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts 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% Compliant Higher Priced Loan. | Reviewer Comment (2026-01-14): Accepted as is. |
01/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000105809 | 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. $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. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-29): XXXX Received Corrected
PCCD and LOE with correct fee name. Seller Comment (2026-01-28): Comment from XXXX (XXXX): PCCD Reviewer Comment (2026-01-26): XXXX received LOE stating title fees are not from SSPL but the Disbursement fee was disclosed on final CD without prefix "Title - ". If the fee is paid to title the fee name should be updated with prefix "Title - ". An updated PCCD and LOE with corrected fee name required to address the exception or cure would be required. Seller Comment (2026-01-23): Comment from XXXX (XXXX): supporting documents for rebuttal on c2c |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | 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 | 4000105809 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-01-23): Received Signed Final 1003
Application. Exception cleared. Seller Comment (2026-01-23): Comment from XXXX (XXXX): f 1003 |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000108973 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds is missing for the bank account #XXXX. | Reviewer Comment (2026-01-16): Received Evidence of Access
to Funds. Exception cleared. Seller Comment (2026-01-16): Comment from XXXX (XXXX): Please see attached |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 4000108973 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds is missing for the bank account #XXXX. | Reviewer Comment (2026-01-15): Cleared, with LOE for
access Seller Comment (2026-01-15): Comment from XXXX (XXXX): Please see attached |
01/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 4000108973 | XXXXX | XXXXX | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Reviewer Comment (2026-01-29): Received, Clearing. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Please see attached |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000108159 | 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 (2026-01-09): Accepted as is. |
01/09/2026 | 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 | 4000104932 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2026-01-12): Accepted as is. |
01/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000104932 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/XXXX | Reviewer Comment (2026-01-13): XXXX received LE dated
XXXX Seller Comment (2026-01-12): Comment from XXXX (XXXX): XXXX LE with disclosure tracking showing LE was given in person |
01/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000106413 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-15): Clearing based on review
coming back within tolerances. |
01/15/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 6000103765 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of $XXXX is less than Guideline minimum loan amount of $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. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: XXXX Guideline Requirement: 2.00 Debt Service Coverage Ratio: XXXX Guideline Requirement: 1.00 Guidelines Representative FICO: 660 Representative FICO: XXXX |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2025-09-22): Waived with compensating
factors per lender exception approval at origination. |
09/22/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||
| XXXXX | 6000103765 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception for minimum loan amount is $XXXX, Loan amount is
$XXXX Compensating Factors: 1. DSCR > 1.15 2. Reserves of at least 4 months from borrower's own funds (not including proceeds) |
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. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: XXXX Guideline Requirement: 2.00 Debt Service Coverage Ratio: XXXX Guideline Requirement: 1.00 Guidelines Representative FICO: 660 Representative FICO: XXXX |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2025-09-22): Waived with compensating
factors per lender exception approval at origination. |
09/22/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000103773 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the borrowing entity. | Reviewer Comment (2025-10-02): Cleared with post
consummation Fraud Report. Using for the OFAC only. Buyer Comment (2025-09-30): Please find clear OFAC for LLC attached. Thank you. |
10/02/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000103773 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide UW discretion for Guarantor living rent free with parents. | Reviewer Comment (2025-10-08): 1008 with UW comments. Buyer Comment (2025-10-06): 1008 with UW comments. Buyer Comment (2025-10-06): Please find 1008 with UW rent free comments. Thank you. |
10/08/2025 | No | 1 | A | A | A | A | A | DE | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 6000103773 | 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 ___. | Lender approved exception at origination to allow XXXX% CLTV due to a subordinated second lien, when maximum CLTV on a cash-out transaction with a XXXX score is XXXX%. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of XXXX is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator | Reviewer Comment (2025-10-28): Waived with compensating
factors per lender approved exception at origination. |
10/28/2025 | No | 2 | B | B | B | B | B | DE | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000103917 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | All liens and judgments are required to be paid prior to or at closing. | Reviewer Comment (2025-12-02): Fraud report shows cleared
red flag for outstanding liens and judgments, exception cleared. Reviewer Comment (2025-11-25): Proof with Satisfied / Released date for the judgement $XXXXis required. Exception remains. Buyer Comment (2025-11-24): XXXXand XXXX Xactus documents evidence that neither borrower has any outstanding judgements. |
12/02/2025 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000109437 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-16): Clearing based on review
coming back within tolerances. |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000109437 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing for REO XXXX. | Reviewer Comment (2026-02-18): Received updated 1003.
Exception cleared. Seller Comment (2026-02-18): Comment from XXXX (XXXX): Updated 1003 Reviewer Comment (2026-02-17): Received Hazard Insurance Policy for the property XXXX reflects annual premium of $XXXX. Final 1003 reflects Monthly Insurance, Taxes, Association Dues etc of $XXXX included in DTI. As per documents provided in the file, verified monthly taxes is $XXXX and monthly Insurance $XXXX. Please provide HOA or supporting document to verify the remaining amount of $XXXX. Exception remains. Seller Comment (2026-02-17): Comment from XXXX (XXXX): See attached |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000100607 | 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 (2026-01-15): Accepted as is. |
01/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000100607 | 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 $XXXXplus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX0 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Reviewer Comment (2026-01-16): XXXX received LOE
suffice Seller Comment (2026-01-15): Comment from XXXX (XXXX): Please see attached. |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000100607 | 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 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 Appraisal Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. A cure was provided at closing, but this cannot be applied until the other tolerance violations have been cured. | Reviewer Comment (2026-01-16): 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 (2026-01-15): Comment from XXXX (XXXX): Please see attached. |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000100607 | 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. | 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. (8304) | Reviewer Comment (2026-01-16): XXXX received LOE
suffice Seller Comment (2026-01-15): Comment from XXXX (XXXX): Please see attached |
01/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000100607 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage is short $XXXX. | Reviewer Comment (2026-01-20): Cleared, updated hazard
policy received. Seller Comment (2026-01-20): Comment from XXXX (XXXX): Please see attached. |
01/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000100607 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. | Reviewer Comment (2026-02-20): Completed exception form,
cleared Seller Comment (2026-02-20): Comment from XXXX (XXXX): See attached. Reviewer Comment (2026-02-20): Please provide the complete exception form. The top part is not completed on what we received. Seller Comment (2026-02-20): Comment from XXXX (XXXX): Please see attached. |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000100607 | 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 $V exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-01-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||||||||
| XXXXX | 4000100607 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for lack of reserves | 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 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 |
Reviewer Comment (2026-02-20): Lender exception
approved |
02/20/2026 | Yes | 2 | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXX | 4000101966 | 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. | Appraisal Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000101966 | 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. | Transfer Tax Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-14): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000101966 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for non-arms length transaction. Did not receive the approved lender exception form. | Borrower has verified disposable income of at least
$2500.00. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-02): Client elects to waive with
compensating factors Seller Comment (2026-02-02): Comment from XXXX (XXXX): Please see exception form attached Reviewer Comment (2026-01-20): We need the complete signed lender approval, not an email. Seller Comment (2026-01-19): Comment from XXXX (XXXX): exception attached |
02/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000101966 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Borrower has verified disposable income of at least
$2500.00. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-02): Client elects to waive with
compensating factors Seller Comment (2026-02-02): Comment from XXXX (XXXX): Exception Attached Reviewer Comment (2026-01-19): Please provide XXXX Lender Exception Form. Exception remains. Seller Comment (2026-01-19): Comment from XXXX (XXXX): exception attached |
02/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000103165 | 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 (2026-01-15): Accepted as is. |
01/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000284 | 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 (2026-01-22): XXXX received initial
CD. |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000284 | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-01-21): Received, Clearing. |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000107684 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Please provide Fraud Report/background check for both the Guarantors, as it is missing in the file. | Reviewer Comment (2026-01-17): Received, Clearing. Seller Comment (2026-01-16): Comment from Post Closing (XXXX): See attached |
01/17/2026 | 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 | 4000107684 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Please provide OFAC check for both the Guarantors, as it is missing in the file. | Reviewer Comment (2026-01-17): Received, Clearing. Seller Comment (2026-01-16): Comment from Post Closing (XXXX): See attached |
01/17/2026 | 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 | 4000109554 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-20): Accepted as is. |
01/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000109554 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Reviewer Comment (2026-01-23): Received SC - Agency to
Receive Borrower Complaints Disclosure signed at closing. Exception
cleared. Seller Comment (2026-01-22): Comment from XXXX (XXXX): Signed formed Reviewer Comment (2026-01-22): There is no date on the documents and it's not signed so this wouldn't be proof of receipt or when it was provided. Seller Comment (2026-01-22): Comment from XXXX (XXXX): Hi, It was included in the initial application package. Please see attached. Thank you! |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000109554 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-21): Clearing based on review
coming back within tolerances. |
01/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000109554 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Testing | South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Reviewer Comment (2026-01-23): Docmagic esign certificate
provided reflects receipt Seller Comment (2026-01-23): Comment from XXXX (XXXX): page 96 signed disclosures shows received and signed. signed form already provided! Let me know if I need to escalate to higher management. thank you! Reviewer Comment (2026-01-23): Proof document was received/signed at time of application was not provided. Exception remains. Buyer Comment (2026-01-23): Comment from XXXX (XXXX): Hi, It was included in the initial application/disclosures package. That was provided with the loan file uploaded on XXXX called signed disclosures! |
01/23/2026 | No | 1 | A | A | A | A | A | SC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 2000000320 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2026-01-21): Accepted as is. |
01/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000320 | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Initial is missing. | Reviewer Comment (2026-01-22): Received, Clearing. |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000320 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Trust Income is not eligible for Asset Depletion loan. | Borrower has owned the subject property for at least 5
years. Borrower has verified disposable income of at least $2500.00. Borrower's monthly mortgage payment has decreased by at least 20%. 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. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-21): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
01/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000340 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX 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 (2026-01-21): Accepted as is. |
01/21/2026 | 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 | 4000109403 | 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 (2026-01-21): Accepted as is. |
01/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000107120 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-26): Clearing based on review
coming back within tolerances. |
01/26/2026 | 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 | 4000107120 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Ineligible CDA provided. Please provide legible CDA. | Reviewer Comment (2026-01-29): Received, Clearing. Seller Comment (2026-01-28): Comment from XXXX (XXXX): CDA |
01/29/2026 | 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 | 4000107120 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Ineligible Gift Letter provided. Please provide legible copy. | Reviewer Comment (2026-01-29): Received, Clearing. Seller Comment (2026-01-28): Comment from XXXX (XXXX): gift letter |
01/29/2026 | 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 | 4000109423 | 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 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-01-22): Accepted as is. |
01/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000109423 | 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 Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure was not provided | Reviewer Comment (2026-02-02): 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 (2026-01-30): Comment from XXXX (XXXX): Please see attached PCCD and LOX. Also provided PCCD delivered prior due to per diem interest. Reviewer Comment (2026-01-30): XXXX received rebuttal, however if credit was provided towards cure. Please provide PCCD including statement of amount of credit for increase in closing costs above legal limit, and LOE to borrower clarifying lender credit in Section J is attributable to/covers appraisal fee increase. Buyer Comment (2026-01-29): Comment from XXXX (XXXX): Please waive condition as there was a lender credit for the full amount of the appraisal of $XXXX already listed in section J of the Final CD. |
XXXXX | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000105511 | 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. | Loan Discount Points increased from $XXXXto $XXXX, a difference of $XXXX. A cure of $XXXXwas provided. | Reviewer Comment (2026-01-30): 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 (2026-01-29): Comment from XXXX (XXXX): Explanation and documents supporting condition requests |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Limited Cash-out GSE | 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 | 4000105511 | 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 Attorney Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fee increased from $XXXXto $XXXX, without a valid Change Circumstance document in file. A cure of $XXXXwas provided. | Reviewer Comment (2026-02-03): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-02-02): Comment from XXXX (XXXX): Documentation reflecting Attorney Review Fee refund Reviewer Comment (2026-01-30): XXXX received LOX stating refund check was provided to cure the increase in Attorney Documentation fee of $XXXX but no PCCD, refund check and proof of delivery associated in file to cure this exception. Please provide complete cure docs. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Attorney Documentation Fee has been removed |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Limited Cash-out GSE | 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 | 4000105511 | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-01-22): Accepted as is. |
01/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000105511 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Please provide complete hazard insurance policy. The policy provided does not coverages. | Reviewer Comment (2026-01-29): Received, Clearing. Seller Comment (2026-01-28): Comment from XXXX (XXXX): HOI |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000307 | 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 was not provided | Reviewer Comment (2026-01-23): Accepted as is. |
01/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000307 | 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 $XXXXexceeds tolerance of $XXXXplus XXXX% or $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-27): 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 (2026-01-26): COC Reviewer Comment (2026-01-26): XXXX received COC dated 12/30/2025. However, we would require a valid COC for the fee increase or cure due to borrower. Cure documents consist of Post CD,LOX, Copy of refund check and proof of mailing. |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | 2000000307 | 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 Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-27): XXXX received a valid
COC. Reviewer Comment (2026-01-26): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the Appraisal Desk Review fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason 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. |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | 2000000307 | 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 (2026-01-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| XXXXX | 4000108505 | 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 of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | 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%. |
Reviewer Comment (2026-01-26): Accepted as is. |
01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000108505 | 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 was provided to the borrower. | Reviewer Comment (2026-01-28): XXXX received valid COC
document Seller Comment (2026-01-27): Comment from XXXX (XXXX): COC issued at closing |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000108505 | 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 not provided to borrower. | Reviewer Comment (2026-01-26): Accepted as is. |
01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000108505 | 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: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Reviewer Comment (2026-01-26): Accepted as is. |
01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000334 | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-01-27): Received, Clearing. |
01/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||
| XXXXX | 2000000334 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-26): Accepted as is. |
01/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000108068 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | - | Reviewer Comment (2026-01-28): Received, Clearing. Seller Comment (2026-01-27): Comment from XXXX (XXXX): Condition is not valid. Please waive. Appraiser's license 'is' valid until XXXX5. Appraisal report date XXXX & effective appraisal date XXXX, both fall before appraisal expiration date of XXXX. |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000108068 | 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 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. | Verification appraisal was delivered to borrower was not provided | Reviewer Comment (2026-01-27): Accepted as is. |
01/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000108068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail | Reviewer Comment (2026-01-29): Updated bank statements
used for asset depletion provided |
01/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000108068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-01-29): Updated bank statements
used for asset depletion provided |
01/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000108068 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | Cash out is not allowed for any Asset utilization/depletion program. | Reviewer Comment (2026-01-28): Unlimited Cash-out allowed
as per Guidelines. Exception cleared. Seller Comment (2026-01-27): Comment from XXXX (XXXX): Condition not valid. XXXX (XXXX) 'DO' allow cash out refinance using Asset Utilization. |
01/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000108068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (XXXX 2014): Unable to verity asset depletion income due to, bank statement provided was dated more than 90 days prior to closing. | Cash out is not allowed on the asset depletion/utilization programs; however, guidelines allow up to 90 days for assets to expire. | Reviewer Comment (2026-01-29): Updated bank statements
used for asset depletion provided Seller Comment (2026-01-29): Comment from XXXX (XXXX): Updated statements provided for 3 accounts used to calculate asset utilization income. Balances on all 3 accounts are not lower than balances on expired statements in file. Updated assets have no negative impact on $XXXX income used to qualify loan. • updated XXXX Sep IRA #XXXX year to date XXXX statement • updated XXXX #XXXX 401K dated XXXX- XXXX • updated XXXX IRA #XXXX year to date XXXX statement Condition satisfied. |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000107770 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Require K-1 for the Years 2024 and 2023 are missing. | Reviewer Comment (2026-01-30): Secondary k-1 income not
used for qualifying Buyer Comment (2026-01-30): Comment from XXXX (XXXX): Not required as income is secondary and FNMA does not require the K1's for secondary income and it is not needed to qualify |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 2000000272 | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX 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 (2026-01-28): Accepted as is. |
01/28/2026 | 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 | 2000000272 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. DTI exceeds guidelines. | Reviewer Comment (2026-01-28): Excluded Rental Income from
REO. Cleared. |
01/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000272 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (XXXX 2014): Unable to verify Real Estate Owned income (XXXX% Method) using reasonably reliable third-party records. | Unable to verify Real Estate Owned income (XXXX% Method) using reasonably reliable third-party records. (XXXX% Vacancy Method). Lease agreement is missing. | Reviewer Comment (2026-01-28): Excluded Rental Income from
REO. Cleared. Buyer Comment (2026-01-28): No Lease - hitting borrower with full payment |
01/28/2026 | 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 | 2000000272 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (XXXX 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-01-28): Excluded Rental Income from
REO. Cleared. |
01/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000272 | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing copy of Lease Agreement . | Reviewer Comment (2026-01-28): Qualified without rental
income. Cleared. Buyer Comment (2026-01-28): There is no lease for XXXX - Hitting the borrower with full payment |
01/28/2026 | 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 | 2000000272 | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. Verified debt $XXXX, verified income $XXXX. | Reviewer Comment (2026-01-28): Loan program is asset
qualifier with no dti Reviewer Comment (2026-01-28): 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%. Buyer Comment (2026-01-28): Qualified borrower with Asset Qualifier |
01/28/2026 | 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 | 2000000272 | 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 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing lease agreement for XXXX | Reviewer Comment (2026-01-28): Excluded Rental Income from
REO. Cleared. Buyer Comment (2026-01-28): No Lease for XXXX - hitting borrower with payment |
01/28/2026 | 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 | 2000000272 | 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 (XXXX 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum of XXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Reviewer Comment (2026-01-28): Loan qualified as asset
qualifier |
01/28/2026 | 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 | 4000109099 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 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 (2026-01-27): Accepted as is. |
01/27/2026 | 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 | 4000109099 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-01-28): Received Fraud Report.
Exception cleared. Seller Comment (2026-01-27): Comment from XXXX (XXXX): Please see fraud report attached |
01/28/2026 | 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 | 4000107577 | 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 (2026-01-27): Accepted as is. |
01/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000107577 | 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 (2026-01-27): Accepted as is. |
01/27/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000107577 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-04-15): Sufficient equity verified
in departing residence with XXXX and 12 months reserves verified Reviewer Comment (2026-04-14): We are using the XXXX statements on all the XXXX accounts. On XXXX you appear to be using a prior statement balance and not the XXXX statement. For the subject property please advise where is states in the guidelines to use P&I only as the PITIA is what is used to calculate debt. Seller Comment (2026-04-13): Comment from XXXX (XXXX): 2055 attached for review Reviewer Comment (2026-02-19): Per guidelines: For fixed rate, I/O loans, qualifying payment, calculate qualifying payment based on the fixed rate, the original balance and remaining amortizing term at the end of the I/O period (i.e., 240 months or 360 months). Approval shows the UW qualified on the I/O payment which isn't allowed. Seller Comment (2026-02-19): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-02-06): The sheet provided shows $XXXX for subject PITIA when true is $XXXX. Also XXXX account you show $XXXX & we have $XXXX. Buyer Comment (2026-02-05): Comment from XXXX (XXXX): Are you able to clarify what is needed on this condition? |
04/15/2026 | 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 | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000107577 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-29): Clearing based on review
coming back within tolerances. |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000107577 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Minimum residual income of $XXXXnot met. Borrower's have departing residence however, appraisal reflecting sufficient equity of XXXX% not provided. With the mortgage payments from the departing included in debts, the borrowers have insufficient residual income. | Reviewer Comment (2026-04-15): Sufficient equity verified
in departing residence with XXXX and 12 months reserves verified Reviewer Comment (2026-04-14): We are using the XXXX statements on all the XXXX accounts. On XXXX you appear to be using a prior statement balance and not the XXXX statement. For the subject property please advise where is states in the guidelines to use P&I only as the PITIA is what is used to calculate debt. Seller Comment (2026-04-13): Comment from XXXX (XXXX): 2055 attached for review Seller Comment (2026-02-19): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-02-06): The sheet provided shows $XXXX for subject PITIA when true is $XXXX. Also XXXX account you show $XXXX & we have $XXXX. Seller Comment (2026-02-05): Comment from XXXX (XXXX): accounts ending 160-210 and 512-210 Reviewer Comment (2026-02-02): Received asset qualification worksheet. The file is missing statements for accounts ending 160-210 and 512-210 Seller Comment (2026-02-02): Comment from XXXX (XXXX): updated income worksheet attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000107577 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (XXXX 2014): Investor's calculated residual income amount (XXXX) and calculated Non QM residual amount (XXXX) are both lower than the amount required per the guidelines (XXXX). | Minimum residual income of $XXXXnot met. Borrower's have departing residence however, appraisal reflecting sufficient equity of XXXX% not provided. With the mortgage payments from the departing included in debts, the borrowers have insufficient residual income. | Reviewer Comment (2026-04-15): Sufficient equity verified
in departing residence with XXXX and 12 months reserves verified Reviewer Comment (2026-04-14): We are using the XXXX statements on all the XXXX accounts. On XXXX you appear to be using a prior statement balance and not the XXXX statement. For the subject property please advise where is states in the guidelines to use P&I only as the PITIA is what is used to calculate debt. Seller Comment (2026-04-13): Comment from XXXX (XXXX): 2055 attached for review Seller Comment (2026-02-19): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-02-06): The sheet provided shows $XXXX for subject PITIA when true is $XXXX. Also XXXX account you show $XXXX & we have $XXXX. Seller Comment (2026-02-05): Comment from XXXX (XXXX): accounts ending XXXX and XXXX Reviewer Comment (2026-02-02): Received asset qualification worksheet. The file is missing statements for accounts ending XXXX and XXXX Seller Comment (2026-02-02): Comment from XXXX (XXXX): updated income worksheet attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000107499 | 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 sent XXXX. | Reviewer Comment (2026-01-27): Accepted as is. |
01/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000107499 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires XXXX. The Note date is XXXX. | Reviewer Comment (2026-01-27): Accepted as is. |
01/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000107499 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal sent XXXX. D0345. | Reviewer Comment (2026-01-27): Accepted as is. |
01/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000103146 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2026-01-30): Received, Clearing. Seller Comment (2026-01-30): Comment from XXXX (XXXX): Please see attached. |
01/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000103146 | 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 (2026-01-28): Accepted as is. |
01/28/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000103146 | 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. | No cure was provided | Reviewer Comment (2026-01-29): XXXX received LOX for
rebuttal response with bifurcation of recording fee and transfer taxes
disclosed on LE and further review the fees are within that tolerance
requirement. Seller Comment (2026-01-28): Comment from XXXX (XXXX): Please see attached LOX |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000107446 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject is a Legal Non Conforming property with zoning restrictions. Cannot be 100% rebuilt without a variance from the County as the setback requirements are not met. | Borrower has verified disposable income of at least
$2500.00. 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. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-28): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
01/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000107446 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal sent XXXX (D0327). | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000105096 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Requesting exception to utilize assets that are pledged as collateral for asset depletion. Nothing has been drawn from the Asset Based line of credit to date. | 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 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 |
Reviewer Comment (2026-01-29): Client elects to waive with
compensating factors |
01/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000109118 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-01-28): Accepted as is. |
01/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| XXXXX | 4000104824 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (XXXX2014): 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 (2026-01-29): Accepted as is. |
01/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000110669 | 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 (2026-01-29): Accepted as is. |
01/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000110669 | 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 (2026-01-29): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000105330 | 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. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-04): XXXX received updated LE
and LOX for rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-02-03): Comment from XXXX (XXXX): Uploaded documentation supporting fees charged |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | 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 | 4000105330 | 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. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-04): XXXX received updated LE
and LOX for rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-02-03): Comment from XXXX (XXXX): Uploaded documentation supporting fees charged |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | 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 | 4000105330 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | B2 has only 2 (not required 3) tradelines reporting more than 12 months, and no active in past 12 months. Approved with LLPA of -0.125 price adjustment. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly mortgage payment has decreased by at least 20%. 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 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 |
Reviewer Comment (2026-02-03): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-02-03): Comment from XXXX (XXXX): form Reviewer Comment (2026-02-02): Please provide Lender Exception provided by Buyer. Exception remains. Seller Comment (2026-02-02): Comment from XXXX (XXXX): approval from portal Reviewer Comment (2026-01-30): We need the actual approved exception. We can't have an email approving. Seller Comment (2026-01-30): Comment from XXXX (XXXX): exception |
02/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000109891 | 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 (2026-01-29): Accepted as is. |
01/29/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000109891 | 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 10% 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 10% or $XXXX. | Reviewer Comment (2026-01-30): XXXX received itemization
for recording fee. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Please see attached |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Yes | |||||||||
| XXXXX | 4000109891 | 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 Title - Settlement / Closing / Escrow 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. | Reviewer Comment (2026-01-30): XXXX upon review the fee
are within tolerance limit. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Please see attached. |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Yes | |||||||||
| XXXXX | 4000109891 | 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 $XXXXexceeds 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. | Reviewer Comment (2026-01-30): XXXX received itemization
for transfer tax fee. Seller Comment (2026-01-29): Comment from XXXX (XXXX): Please see attached. |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Yes | |||||||||
| XXXXX | 4000109741 | 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 (2026-01-30): Accepted as is. |
01/30/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000109741 | 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 10% or $XXXX . $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | no cure was provided | Reviewer Comment (2026-02-02): XXXX received LOE with
section E fee bifurcation on initial LE along with the itemization snip. Seller Comment (2026-01-30): Comment from XXXX (XXXX): Please see attached. |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Yes | |||||||||
| XXXXX | 4000108336 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-02-17): Property owned free and
clear per property report. Borrower qualified with anticipated P&I
payment using lender approval as new loan has not closed yet. Reviewer Comment (2026-02-10): Payments were included to DTI. Hence provide updated 1008 or note. Exception remains. Seller Comment (2026-02-10): Comment from XXXX (XXXX): XXXX: Please see the attached open lien report that show the property is currently free and clear and there is no XXXX mtg attached to the property. The approval letter is the only documentation we can provide at this time to show the loan is still under contract with XXXX. XXXX has qualified the borrower using this new payment to be most conservative but there is no note, final cd, or first payment letter to provide since the mtg has not closed. Reviewer Comment (2026-02-08): As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $XXXX and Monthly Mortgage Payment $XXXX for the property XXXXis included in DTI. Please provide First Payment Letter or Note or Closing Disclosure to verify P&I for the property XXXX. Exception remains. Buyer Comment (2026-02-06): Comment from XXXX (XXXX): XXXX: There is no CD to provide since the loan has not closed yet. It is still under loan review with XXXX Reviewer Comment (2026-02-05): Provide CD, 1008 Seller Comment (2026-02-05): Comment from XXXX (XXXX): XXXX: Please see the attached document that shows that the loan has not closed yet. There is no REO documentation to provide since loan has not closed. |
02/17/2026 | 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 | 4000108336 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-02-17): Property owned free and
clear per property report. Borrower qualified with anticipated P&I
payment using lender approval as new loan has not closed yet. Reviewer Comment (2026-02-10): Payments were included to DTI. Hence provide updated 1008 or note. Exception remains. Seller Comment (2026-02-10): Comment from XXXX (XXXX): XXXX: Please see the attached open lien report that show the property is currently free and clear and there is no XXXX mtg attached to the property. The approval letter is the only documentation we can provide at this time to show the loan is still under contract with XXXX. XXXX has qualified the borrower using this new payment to be most conservative but there is no note, final cd, or first payment letter to provide since the mtg has not closed. Reviewer Comment (2026-02-08): As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $XXXX and Monthly Mortgage Payment $XXXX for the property XXXXis included in DTI. Please provide First Payment Letter or Note or Closing Disclosure to verify P&I for the property XXXX. Exception remains. Buyer Comment (2026-02-06): Comment from XXXX (XXXX): XXXX: There is no CD to provide since the loan has not closed yet. It is still under loan review with XXXX Reviewer Comment (2026-02-05): Provide CD, 1008 Seller Comment (2026-02-05): Comment from XXXX (XXXX):XXXX: Please see the attached document that shows that the loan has not closed yet. There is no REO documentation to provide since loan has not closed. |
02/17/2026 | 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 | 4000108336 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-02-17): Property owned free and
clear per property report. Borrower qualified with anticipated P&I
payment using lender approval as new loan has not closed yet. Reviewer Comment (2026-02-10): Payments were included to DTI. Hence provide updated 1008 or note. Exception remains. Seller Comment (2026-02-10): Comment from XXXX (XXXX): XXXX: Please see the attached open lien report that show the property is currently free and clear and there is no XXXX mtg attached to the property. The approval letter is the only documentation we can provide at this time to show the loan is still under contract with XXXX. XXXX has qualified the borrower using this new payment to be most conservative but there is no note, final cd, or first payment letter to provide since the mtg has not closed. Reviewer Comment (2026-02-08): As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $XXXX and Monthly Mortgage Payment $XXXX for the property XXXX is included in DTI. Please provide First Payment Letter or Note or Closing Disclosure to verify P&I for the property XXXX. Exception remains. Buyer Comment (2026-02-06): Comment from XXXX (XXXX): XXXX: There is no CD to provide since the loan has not closed yet. It is still under loan review with XXXX Reviewer Comment (2026-02-05): Provide CD, 1008 Seller Comment (2026-02-05): Comment from XXXX (XXXX): XXXX: Please see the attached document that shows that the loan has not closed yet. There is no REO documentation to provide since loan has not closed. |
02/17/2026 | 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 | 4000108336 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-02-17): Property owned free and
clear per property report. Borrower qualified with anticipated P&I
payment using lender approval as new loan has not closed yet. Reviewer Comment (2026-02-10): Payments were included to DTI. Hence provide updated 1008 or note. Exception remains. Seller Comment (2026-02-10): Comment from XXXX (XXXX): XXXX: Please see the attached open lien report that show the property is currently free and clear and there is no XXXX mtg attached to the property. The approval letter is the only documentation we can provide at this time to show the loan is still under contract with XXXX. XXXX has qualified the borrower using this new payment to be most conservative but there is no note, final cd, or first payment letter to provide since the mtg has not closed. Reviewer Comment (2026-02-08): As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $XXXX and Monthly Mortgage Payment $XXXX for the property XXXX is included in DTI. Please provide First Payment Letter or Note or Closing Disclosure to verify P&I for the property XXXX. Exception remains. Buyer Comment (2026-02-06): Comment from XXXX (XXXX): XXXX: There is no CD to provide since the loan has not closed yet. It is still under loan review with XXXX Reviewer Comment (2026-02-05): Provide CD, 1008 Seller Comment (2026-02-05): Comment from XXXX (XXXX): XXXX: Please see the attached document that shows that the loan has not closed yet. There is no REO documentation to provide since loan has not closed. |
02/17/2026 | 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 | 4000108336 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-02-17): Property owned free and
clear per property report. Borrower qualified with anticipated P&I
payment using lender approval as new loan has not closed yet. Reviewer Comment (2026-02-10): Payments were included to DTI. Hence provide updated 1008 or note. Exception remains. Seller Comment (2026-02-10): Comment from XXXX (XXXX): XXXX: Please see the attached open lien report that show the property is currently free and clear and there is no XXXX mtg attached to the property. The approval letter is the only documentation we can provide at this time to show the loan is still under contract with XXXX. XXXX has qualified the borrower using this new payment to be most conservative but there is no note, final cd, or first payment letter to provide since the mtg has not closed. Reviewer Comment (2026-02-08): As per Final 1003,Monthly Insurance, Taxes, Association Dues etc of $XXXX and Monthly Mortgage Payment $XXXX for the property XXXX is included in DTI. Please provide First Payment Letter or Note or Closing Disclosure to verify P&I for the property XXXX. Exception remains. Buyer Comment (2026-02-06): Comment from XXXX (XXXX): XXXX: There is no CD to provide since the loan has not closed yet. It is still under loan review with XXXX Reviewer Comment (2026-02-05): Provide CD, 1008 Seller Comment (2026-02-05): Comment from XXXX (XXXX): XXXX: Please see the attached document that shows that the loan has not closed yet. There is no REO documentation to provide since loan has not closed. |
02/17/2026 | 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 | 4000108336 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-02-05): Cleared with Note. Seller Comment (2026-02-05): Comment from XXXX (XXXX): XXXX: Please see the note that shows that the loan just closed on 1/8. There is no mtg statement available |
02/05/2026 | 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 | 4000108336 | 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 borrower was not provided. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 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 | 4000106261 | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | 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 (2025-12-22): Received COC and internal
LOS reflecting change was discovered on XXXX Buyer Comment (2025-12-22): See attached Reviewer Comment (2025-12-17): XXXX received updated CD and COC dated XXXX indicates reason for the changes are Loan amount and living rent free adjustment added thereby increasing discount XXXX . However, we also required additional information with supporting documentation of timeline for review and to provide information supporting lender's knowledge of when they became aware of the borrower living in rent fee or Cure is due to borrower. Buyer Comment (2025-12-16): Change of Circumstance and Closing Disclosure reflecting the change in Discount Points. XXXX is a letter of explanation regarding the CD issue date. |
12/22/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | No | |||||||||
| XXXXX | 4000106261 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower resides rent free with someone other than a spouse. Provide evidence of the LLPA and UW discretion for approving borrowers living situation. | Reviewer Comment (2025-12-23): Underwriter Rent Free
Housing Discretion received and verified. Exception cleared. Buyer Comment (2025-12-19): Rent free underwriting discretion approval form. Reviewer Comment (2025-12-18): LLPA received. UW discretion for approving borrower living rent free is still missing. Exception Remains Buyer Comment (2025-12-16): Evidence the Rent Free LLPA was charged. |
12/23/2025 | 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 | Non QM | No | |||||||||||
| XXXXX | 4000106261 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Missing evidence of the transfer of the gift funds. | Reviewer Comment (2025-12-23): Source document (Wire
Confirmation) for Gift fund received. Details verified and updated, Reserve
requirement met. Exception cleared. Buyer Comment (2025-12-22): Evidence of Gift Fund transfer. |
12/23/2025 | 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 | Non QM | No | |||||||||||
| XXXXX | 4000106261 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing evidence of the transfer of the gift funds. | Reviewer Comment (2025-12-23): Source document (Wire
Confirmation) for Gift fund received. Details verified and updated, Reserve
requirement met. Exception cleared. Buyer Comment (2025-12-22): See evidence of Gift Fund transfer uploaded XXXX |
12/23/2025 | 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 | Non QM | No | |||||||||||
| XXXXX | 4000106261 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Missing evidence of the transfer of the gift funds. | Reviewer Comment (2025-12-23): Source document (Wire
Confirmation) for Gift fund received. Details verified and updated, Reserve
requirement met. Exception cleared. Buyer Comment (2025-12-22): See evidence of Gift Fund transfer uploaded XXXX |
12/23/2025 | 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 | Non QM | No | |||||||||||
| XXXXX | 4000106261 | 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. | Missing evidence of the transfer of the gift funds. | Reviewer Comment (2025-12-23): Source document (Wire
Confirmation) for Gift fund received. Details verified and updated, Reserve
requirement met. Exception cleared. Buyer Comment (2025-12-22): See evidence of Gift Fund transfer uploaded XXXX |
12/23/2025 | 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 | Non QM | No | |||||||||
| XXXXX | 4000106261 | 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 evidence of the transfer of the gift funds. | Reviewer Comment (2025-12-23): Source document (Wire
Confirmation) for Gift fund received. Details verified and updated, Reserve
requirement met. Exception cleared. Buyer Comment (2025-12-22): See evidence of Gift Fund transfer uploaded XXXX |
12/23/2025 | 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 | Non QM | No | ||||||||||
| XXXXX | 4000106594 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | Lender exception in file approving the property with XXXX acres which exceeds the permitted XXXX acres. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. 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. |
Documentation Type: 12mo Bank Statement Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 DTI: XXXX% Guideline Maximum DTI: 50.00000% Guidelines Representative FICO: 680 Representative FICO: XXXX |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-12-24): Waived with compensating
factors per lender exception approval at origination. |
12/24/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | |||||||
| XXXXX | 4000106594 | 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 (2026-01-09): CDFI lender testing ATR. |
01/09/2026 | No | 2 | A | A | A | A | A | WI | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 4000106580 | 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 (2026-01-09): CDFI lender testing ATR. |
01/09/2026 | No | 2 | A | A | A | A | A | CA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 4000104189 | 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 (2026-01-30): Accepted as is. |
01/30/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000104189 | 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 (2026-02-03): XXXX received LOE
suffice Seller Comment (2026-02-02): Comment from XXXX (XXXX): Please see the attached. Reviewer Comment (2026-02-02): XXXX received LOE with bifurcation of section E fees on initial LE dated 07/22 but as per LOE and snip provided we are unable to identify the correct amount paid towards recording (Deed and mortgage) fees. Please provide detailed LOE and snip of itemization to verify the same. XXXX will re-review the exception. Seller Comment (2026-01-30): Comment from XXXX (XXXX): Please see attached. |
02/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000108905 | 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 (2026-01-30): Accepted as is. |
01/30/2026 | 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 | 4000108731 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-02): Cleared based on review
coming back within tolerances |
02/02/2026 | 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 | 4000108731 | 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 Report does not list coverage amount. | Reviewer Comment (2026-01-30): Accepted as is. |
01/30/2026 | 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 | 4000108731 | 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 (2026-01-30): Accepted as is. |
01/30/2026 | 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 | 4000108731 | 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 (2026-01-30): Accepted as is. |
01/30/2026 | 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 | 4000111881 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-02): Cleared based on review
coming back within tolerances |
02/02/2026 | 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 | 4000111881 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing. | Reviewer Comment (2026-01-30): Received, Clearing. Seller Comment (2026-01-30): Comment from XXXX (XXXX ): Resending heloc statement |
01/30/2026 | 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 | 4000111881 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject Property is located in a declining and rural area. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-30): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
01/30/2026 | 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 | 4000111881 | 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 of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-02): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | 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 | 4000105292 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance was missing on this file. | Reviewer Comment (2026-02-05): Received Flood Insurance
Policy. Exception cleared. Seller Comment (2026-02-05): Comment from XXXX (XXXX): Flood Insurance |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000105292 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance document was missing on this file. | Reviewer Comment (2026-02-05): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-02-05): Comment from XXXX (XXXX): hazard |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000107731 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-02): Cleared based on review
coming back within tolerances |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000109502 | 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 (2026-02-02): Client elects to waive |
02/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000109560 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): | Properties listed for sale by borrower in past 6 months considered on case-by-case basis: Recently renovated vacant property. Approved with FICO 16 pts above minimum and reserves at 10 months (3 required). Lender exception approved 13 months reserves, and LTV below 5% of max. | Reviewer Comment (2026-03-04): Client exception
received. |
03/04/2026 | No | 2 | B | B | B | B | B | WA | Investment | Refinance - Rate/Term | A | B | A | B | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000108902 | 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 (2026-03-11): XXXX received disclosure
summary suffice. Seller Comment (2026-03-10): Comment from XXXX (XXXX): LOE - ICD receipt XXXX Reviewer Comment (2026-02-18): XXXX received eSign process summary with Loan disclosure History. However, the document provided does not reflect the actual CD dated XXXX Authorization by borrower and does not reflect the history of a disclosure sent to borrower that was viewed or signed. Provide proof evidence that the CD dated XXXX received by borrower 3 days prior to closing. Seller Comment (2026-02-17): Comment from XXXX (XXXX): CD sent in package with Lock In Agreement which borr signed on XXXX Reviewer Comment (2026-02-13): XXXX Received LOE for incomplete CD; however, file is missing evidence that CD dated XXXX received by borrower 3 days prior to closing. Provide evidence that CD dated XXXX was received by borrower 3 days prior to closing. Seller Comment (2026-02-12): Comment from XXXX (XXXX): attestation Reviewer Comment (2026-02-05): XXXX received CD dated XXXX however the file also contains incomplete CD dated XXXX.In order to remove from testing we would require attestation from lender or comment stating this CD (Doc ID 656) was not sent to the borrower along with detail explanation. Seller Comment (2026-02-04): Comment from XXXX (XXXX): Uploaded requested Initial closing disclosure |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000108902 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception to use a Verification of Rent from an individual (LLC). Though the borrower made cash payments for rent that cannot be documented, B1 is a hairdresser and has tip money in cash available which is common for the industry. It should also be noted that the VOR shows B1 has never been late since lease inception | 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. The representative FICO score is above 680. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-03): Client elects to waive with
compensating factors |
02/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000108902 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provided 1st Appraisal and 2nd Appraisal report are ineligible at the top and bottom of each page | Reviewer Comment (2026-02-04): Received, Clearing. Seller Comment (2026-02-04): Comment from XXXX (XXXX): 1st and 2nd Appraisals |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000286 | 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 (2026-02-02): Client elects to waive |
02/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000286 | 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 (2026-02-02): Client elects to waive |
02/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000286 | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires within 90 days of the Note Date | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000107400 | 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 $XXXXexceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX and no cure was provided. | Reviewer Comment (2026-02-05): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-02-04): Comment from XXXX (XXXX): Uploaded requested docs LOE, COC, LE, Lock Agreement |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000107400 | 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 and no cure was provided. | Reviewer Comment (2026-02-05): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-02-04): Comment from XXXX (XXXX): Uploaded requested docs LOE, COC, LE, Lock Agreement |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000107400 | 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). | Reviewer Comment (2026-02-03): Accepted as is. |
02/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000107400 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement missing for property XXXX | Reviewer Comment (2026-02-09): Cleared with first payment
letter Seller Comment (2026-02-09): Comment from XXXX (XXXX): Uploaded REO document |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000107400 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | All pages of the appraisal are cut off at the top. Provide complete appraisal report. | Reviewer Comment (2026-02-04): Complete appraisal
received Seller Comment (2026-02-04): Comment from XXXX (XXXX): Uploaded requested copy of appraisal |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000350 | 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 (2026-02-02): Client elects to waive |
02/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000350 | 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. | The date the valuation was provided to the application is prior to the date the valuation was performed. | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000350 | 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 Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. | Reviewer Comment (2026-02-02): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000310 | 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 borrower was not provided. | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | 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 | 2000000310 | 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 borrower was not provided. | Reviewer Comment (2026-02-02): Client elects to waive |
02/02/2026 | 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 | 2000000310 | 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 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 (2026-02-02): Client elects to waive |
02/02/2026 | 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 | 2000000310 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Incomplete lender exception in file to allow OO and NOO departure exclusion. OO departure with AVM with settlement and contract (COF 2/6,7 days after subject COF), 80.7% LTV based on purchase price. NOO appraisal is in evidencing XXXX%+ equity position. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-02): Client elects to waive with
compensating factors Buyer Comment (2026-02-02): See completed form |
02/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000310 | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Reviewer Comment (2026-02-05): As per provided Closing
Disclosure disbursement date is XXXX Hazard Insurance Policy Effective date
is matches the Disbursement Date. Exception cleared. Buyer Comment (2026-02-04): Final CD XXXX and proof sent to borrower Buyer Comment (2026-02-04): Final CD XXXX and proof sent to borrower Reviewer Comment (2026-02-03): Required signed closing statement. Exception remains. Buyer Comment (2026-02-02): Final settlement XXXX |
02/05/2026 | 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 | 4000112835 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-05): Clearing based on review
coming back within tolerances. |
02/05/2026 | 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 | 4000112835 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Instrument notary page reflects a signature date of XXXX. Please have this corrected to XXXX. | Reviewer Comment (2026-05-21): Corrected SECI provided.
Cleared. Seller Comment (2026-05-21): Comment from XXXX (XXXX): XXXX: Please see attached. |
05/21/2026 | 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 | 4000109086 | 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. ECOA Receipt of Appraisal Without Waiver | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | 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 | 4000107734 | 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 (2026-02-05): Accepted as is. |
02/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000109597 | 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 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX . A cure of $XXXX provided. | Reviewer Comment (2026-02-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109597 | 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. | Transfer Tax increased from $XXXX to $XXXX , a difference of $XXXX . A cure of $XXXX was provided. | Reviewer Comment (2026-02-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000113483 | 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 (2026-02-05): Accepted as is. |
02/05/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000113483 | 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 (2026-02-05): Accepted as is. |
02/05/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000113483 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | XXXX Subprime Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 4000113483 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | XXXXSubprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | 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. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000113483 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | XXXX Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | 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. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000113483 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | XXXX Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance on first lien loan. (Note: Does not apply if the borrower can demonstrate a record of XXXX months of timely payments of taxes and insurance on a previous home loan.) | Mandatory escrow account not established for the collection of property taxes and insurance on first lien loan. | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000113483 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | XXXXSubprime 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 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 SubPrime Loan. | Reviewer Comment (2026-02-05): Accepted as is. |
02/05/2026 | 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. | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 2000000322 | 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. | Neither evidence of delivery of final appraisal nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment (2026-02-04): Client elects to waive |
02/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000322 | 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. | The Appraisal Fee was disclosed as $XXXX on the LE, the final CD shows the fee as $XXXX There was a lender credit to cover the cost to cure. | Reviewer Comment (2026-02-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000322 | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Coverage is less than Original Loan Amount | Reviewer Comment (2026-02-04): Client elects to waive |
02/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000322 | 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 (2026-02-04): Client elects to waive |
02/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000109442 | 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 Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-02-12): COC received, cleared Seller Comment (2026-02-11): Comment from XXXX (XXXX): uploaded requested documents |
02/12/2026 | 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 | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109442 | 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-12): COC received, cleared Seller Comment (2026-02-11): Comment from XXXX (XXXX): uploaded requested documents |
02/12/2026 | 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 | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109442 | 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 $XXXXexceeds 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 $XXXXexceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-12): COC received, cleared Seller Comment (2026-02-12): Comment from XXXX (XXXX): uploaded requested documents |
02/12/2026 | 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 | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109442 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-13): Received, Clearing. Seller Comment (2026-02-13): Comment from XXXX (XXXX): uploaded CDA document Reviewer Comment (2026-02-12): Did not receive second valuation. The 1025 was previously received Seller Comment (2026-02-12): Comment from XXXX (XXXX): uploaded requested document |
02/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000109442 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal is cut off on the top and bottom of each page of the report. | Reviewer Comment (2026-02-10): Received, Clearing. Seller Comment (2026-02-10): Comment from XXXX (XXXX): uploaded appraisal document |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000104298 | XXXXX | XXXXX | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-02-09): Received, Clearing. Seller Comment (2026-02-09): Comment from XXXX (XXXX): XXXX please see attached |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000104298 | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | $XXXX lender credit provided to borrower as per final CD. | Reviewer Comment (2026-02-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109432 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-09): Clearing based on review
coming back within tolerances. |
02/09/2026 | 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 | 4000110593 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-09): Clearing based on review
coming back within tolerances. |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000110593 | 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 (2026-02-09): Accepted as is. |
02/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000108772 | 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 or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-09): Accepted as is. |
02/09/2026 | 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 | 4000115075 | 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 (2026-02-10): Accepted as is. |
02/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000115075 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument loan amount and note original loan amount do not concur. | The SI loan amount is $XXXX however, the updated note reflects $XXXX | Reviewer Comment (2026-03-24): Received, Clearing. Seller Comment (2026-03-24): Comment from XXXX (XXXX): attached deed of trust. |
03/24/2026 | No | 1 | A | A | A | A | A | AZ | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000105747 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-11): Clearing based on review
coming back within tolerances. |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000105747 | 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 (2026-02-10): Accepted as is. |
02/10/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000115726 | 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 borrower was not provided. | Reviewer Comment (2026-02-11): Accepted as is. |
02/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000115726 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-02-11): Received Tax Verification
for XXXX. Exception cleared. Seller Comment (2026-02-11): Comment from XXXX (XXXX): Please see attached tax bill for XXXX. |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000108606 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for use of borrower's trust held in a trust, Comp factors LTV below XXXX%, FICO 740, residual income over $XXXXper month. | Borrower has verified disposable income of at least
$2500.00. 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 |
Reviewer Comment (2026-02-11): Client elects to
waive/regrade with compensating factors. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000108642 | 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 CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-02-10): Accepted as is. |
02/10/2026 | 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 | 4000110346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX did not disclose whether the loan will have an escrow account. | Missing page 4 of Final CD | Reviewer Comment (2026-02-12): XXXX received XXXX executed
final CD Seller Comment (2026-02-11): Comment from XXXX (XXXX): Fully executed signed CD all pages, please clear condition. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110346 | 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). | Final Closing Disclosure is missing Page 4 of 5. | Reviewer Comment (2026-02-12): XXXX received XXXX executed
final CD Seller Comment (2026-02-11): Comment from XXXX (XXXX): Fully executed Final CD all pages, please clear condition. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan contains Negative Amortization. | Missing page 4 of Final CD | Reviewer Comment (2026-02-12): XXXX received XXXX executed
final CD Seller Comment (2026-02-11): Comment from XXXX (XXXX): Fully executed Final CD all pages, please clear condition. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided onXXXX incorrectly disclosed whether the loan allows for Partial Payments. | Missing page 4 of Final CD | Reviewer Comment (2026-02-12): XXXX received XXXX executed
final CD Seller Comment (2026-02-11): Comment from XXXX (XXXX): Fully executed Final CD all pages, please clear condition. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed | Missing page 4 of Final CD | Reviewer Comment (2026-02-12): XXXX received XXXX executed
final CD Seller Comment (2026-02-11): Comment from XXXX (XXXX): Fully executed Final CD all pages, please clear condition. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110346 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Missing page 4 of Final CD | Reviewer Comment (2026-02-12): XXXX received XXXX executed
final CD Seller Comment (2026-02-11): Comment from XXXX (XXXX): Fully executed Final CD all pages, please clear condition. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110346 | 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 (2026-02-10): Accepted as is. |
02/10/2026 | 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 | 4000110587 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The WVOE is signed by the employer on XXXX. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-06): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-03-06): Comment from XXXX (XXXX): Exception has been granted. Please clear. Reviewer Comment (2026-02-27): ATR requires all income documents to be pre-consummation. Exception remains. Buyer Comment (2026-02-27): Comment from XXXX (XXXX): This is invalid since post-close VOE provided still supports active employment. Reviewer Comment (2026-02-25): Exception remains- VVOE is required 10 business days prior to closing. Buyer Comment (2026-02-25): Comment from XXXX (XXXX): VOEs dated post close are acceptable as they also verify that the borrower was employed at time of closing. This needs to be cleared. Reviewer Comment (2026-02-23): VVOE received however it is dated post closing. Please provide VVOE completed within 10 business day of closing. Seller Comment (2026-02-23): Comment from XXXX (XXXX): VOE |
03/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000110587 | 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 (2026-02-11): Accepted as is. |
02/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110587 | 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 Risk. | Reviewer Comment (2026-03-06): Lender exception provided.
Cleared. |
03/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110587 | 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 (2026-03-06): Lender exception provided.
Cleared. |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000109563 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-02-16): Received updated hazard
insurance policy. Exception cleared. Seller Comment (2026-02-16): Comment from XXXX (XXXX): Hazard Insurance Policy |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000109563 | 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 (2026-02-11): Accepted as is. |
02/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000110225 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing for XXXX | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): Comment from XXXX (XXXX): Please see attached. |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110225 | 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 is missing for REO XXXX. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): Comment from XXXX (XXXX): Attached. |
02/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110225 | 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 (25% Method) using reasonably reliable third-party records. | Lease Agreement is missing for REO XXXX. | Reviewer Comment (2026-02-20): Received, Clearing. Seller Comment (2026-02-19): Comment from XXXX (XXXX): Attached. |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110225 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Lease Agreement is missing for REO XXXX. | Reviewer Comment (2026-02-20): Received, Clearing. |
02/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110225 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to allow the borrowers to use a margin account for funds to close, on Asset Depletion Loan | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-11): Lender exception
approved. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000108601 | 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 (2026-02-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000108601 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Self-employed 22 months vs min 24 months | 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 reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-12): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000112914 | 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 | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000112914 | 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 borrower was not provided. | Reviewer Comment (2026-02-13): Accepted as is. |
02/13/2026 | 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 | 4000112914 | 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). | Closing Disclosure is missing Page 2 (Fees Paid). | Reviewer Comment (2026-02-18): XXXX received complete copy
of CD Seller Comment (2026-02-17): Comment from XXXX (XXXX): Complete CD |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112914 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Closing Disclosure is missing Page 2 (Fees Paid). | Reviewer Comment (2026-02-18): XXXX received complete
final CD Seller Comment (2026-02-17): Comment from XXXX (XXXX): Complete CD |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112914 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. | Closing Disclosure is missing Page 2 (Fees Paid). | Reviewer Comment (2026-02-18): XXXX received complete
final CD Seller Comment (2026-02-17): Comment from XXXX (XXXX): Complete CD |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112914 | 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. | 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. | Reviewer Comment (2026-02-24): XXXX received valid changed
circumstance. Seller Comment (2026-02-23): Comment from XXXX (XXXX): COC Reviewer Comment (2026-02-23): XXXX received Final CD. However,we would require a valid COC for the lender credit decreased on LE dated XXXX or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-02-20): Comment from XXXX (XXXX): Please advise if upon receipt on complete final closing disclosure this condition is cleared? |
02/24/2026 | 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 | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112914 | 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 (2026-02-13): Accepted as is. |
02/13/2026 | 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 | 4000112914 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-02-23): Received Flood Certificate.
Exception cleared. Seller Comment (2026-02-23): Comment from XXXX (XXXX): Flood Cert |
02/23/2026 | 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 | 4000112914 | 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 (2026-02-13): Accepted as is. |
02/13/2026 | 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 | 4000112914 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Final 1003 list equity from pending sale for funds used for closing/reserves, provide Final CD for departing residence. | Reviewer Comment (2026-03-10): Received, Clearing. Seller Comment (2026-03-09): Comment from XXXX (XXXX): Updated 1008 and 1003 |
03/10/2026 | 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 | 4000112914 | 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. | Insufficient cure with lender Credit violation. | Reviewer Comment (2026-02-23): 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 (2026-02-20): Comment from XXXX (XXXX): Note on page 2 of final CD, on Section J a cure for $XXXX was applied for this overage. |
02/23/2026 | No | 1 | A | A | A | A | 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 | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000112914 | 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. | - ___ | Final CD reflects TBD to seller paid costs. Corrected CD & LOE correcting and adding payee. | Reviewer Comment (2026-02-18): Client elects to waive |
02/18/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000112914 | 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 (2026-02-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000109767 | 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. | 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 (2026-02-12): Sufficient Cure Provided At
Closing |
XXXXX | 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 | 4000109406 | 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 Verification Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000107333 | 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 policy does not list coverage amount. | Reviewer Comment (2026-02-13): Accepted as is. |
02/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000114369 | 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 (2026-02-17): Accepted as is. |
02/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000114369 | 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. | APR on subject loan of XXXX% or Final Disclosure APR ofXXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-03-16): Received Appraisal delivery
confirmation. Exception cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000114369 | 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 (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 (2026-03-16): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-03-16): Comment from XXXX (XXXX): please see attached email from borrower stating they received the appraisal Reviewer Comment (2026-02-25): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: TILA HPML Appraisal 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 (2026-02-25): Borrower delivery confirmation does not confirm the borrower acknowledged receipt of the appraisal so 3 day rule applies, which makes the date of receipt XXXX and less than 3 days prior to closing date of XXXX Seller Comment (2026-02-25): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-02-23): Please provided the earlier dated appraisal the was provided XXXX. Seller Comment (2026-02-23): Comment from XXXX (XXXX): Please see attached confirmation of email of appraisal being sent for XXXX |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000114369 | 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 (2026-02-17): Accepted as is. |
02/17/2026 | 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 | 4000114866 | 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 (2026-02-16): Client elects to waive |
02/16/2026 | 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 | 4000114866 | 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. | 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 (2026-02-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114866 | 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 | I/O addendum to the note is missing. The calculated payment based on the terms on the note is $XXXX, however the payment stated on the note is $XXXX which is the interest only payment | Reviewer Comment (2026-05-13): Received, Clearing. Seller Comment (2026-05-12): Comment from XXXX (XXXX): XXXX: Please see the attached // Reviewer Comment (2026-03-04): There is no I/O addendum to the note that was provided. Seller Comment (2026-03-04): Comment from XXXX (XXXX): XXXX: This transaction was originated as an interest-only loan. Please see the attached disclosure confirming the borrower is only required to make interest only payments. |
05/13/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000111453 | 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 CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | 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 | 4000111031 | 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 (2026-03-09): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-03-06): Comment from XXXX (XXXX): CURE DOCS Reviewer Comment (2026-03-03): XXXX received LOX for rebuttal response. however, in case when loan amount changes the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower. Seller Comment (2026-03-02): Comment from XXXX (XXXX): LOCK & LOX Reviewer Comment (2026-02-26): XXXX Received PCCD and LOE does not satisfy the lender credit exception. Provide Valid COC for lender credit removal on CD dated XXXX. Provide additional information why pricing change on CD dated XXXX or provide Cure Docs. Seller Comment (2026-02-25): Comment from XXXX (XXXX): PCCD Reviewer Comment (2026-02-24): XXXX received COC reason for loan amount. However, the lender credit did not change proportionately with the loan amount change and is not a valid reason for the lender credit removal. Provide additional information to support a pricing change for the lender credit decrease or cure would be due. Seller Comment (2026-02-23): Comment from XXXX (XXXX): COC |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | 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 | 4000111031 | 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 $XXXXexceeds 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 (2026-02-26): 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 (2026-02-25): Comment from XXXX (XXXX): pccd |
02/26/2026 | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000113580 | 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. | Reviewer Comment (2026-03-02): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-02-26): Comment from XXXX (XXXX): PCR LOE Reviewer Comment (2026-02-20): XXXX Received COC dated XXXX along with LE; however, required detailed information about loan program changed and when lender became aware of the same. Provide detailed information about program changed along with supporting documents or Cure Docs. Cure Docs consists of PCCD, LOE, Refund Check and Proof of Mailing. Seller Comment (2026-02-20): Comment from XXXX (XXXX): COC LE |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000113580 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Reviewer Comment (2026-02-18): Accepted as is. |
02/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113580 | 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. | The date the appraisal was provided to the applicant is prior to the date the valuation was performed. | Reviewer Comment (2026-02-18): Accepted as is. |
02/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000109537 | 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. | Reviewer Comment (2026-02-18): Accepted as is. |
02/18/2026 | 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 | 4000111275 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report is not in file | Reviewer Comment (2026-02-27): Received Fraud Report.
Exception cleared. Seller Comment (2026-02-27): Comment from XXXX (XXXX): FRAUD REPORT, PLEASE ADVISE WHY NOT ACCEPTABLE Reviewer Comment (2026-02-23): Fraud Report is not provided. Exception remains. Buyer Comment (2026-02-23): 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 | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000111275 | 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 10% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | A Valid COC is required. | Reviewer Comment (2026-03-05): XXXX received Post CD and
LOX. Seller Comment (2026-03-03): Comment from XXXX (XXXX): FSS & PCCD W/LOX Reviewer Comment (2026-03-03): XXXX Received LOX Stating recording fee decreased as per Final Settlement statement; however, file is missing true and certified copy of Final settlement statement. Provide corrected PCCD and LOE updated with correct recording fees along with True and certified final settlement statement. Seller Comment (2026-03-02): Comment from XXXX (XXXX): FEES LOX Reviewer Comment (2026-02-27): XXXX received final CD dated XXXX, however cure provided at closing is $XXXXand cure required is $XXXX. Please provide additional cure of $XXXX. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-02-26): Comment from XXXX (XXXX): CLOSING CD |
03/05/2026 | 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 | 4000111275 | 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 . $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Sufficient Cure was 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. Seller Comment (2026-03-02): Comment from XXXX (XXXX): FEES LOX Reviewer Comment (2026-02-27): XXXX received final CD dated XXXX, however cure provided at closing is $XXXX and cure required is $XXXX. Please provide additional cure of $XXXX. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-02-26): Comment from XXXX (XXXX): CLOSING CD |
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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000111275 | 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 (2026-02-18): Accepted as is. |
02/18/2026 | 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 | 4000111275 | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000110771 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing in file. | Reviewer Comment (2026-02-23): Documentation confirming
owned free/clear with no HOI, cleared Seller Comment (2026-02-23): Comment from XXXX (XXXX): Per the property Information report for XXXX it is owned free and clear so HOI verification is not required. |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110771 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing in file. | Reviewer Comment (2026-02-23): Fraud Report, cleared Seller Comment (2026-02-23): Comment from XXXX (XXXX): Fraud Report |
02/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Reviewer Comment (2025-12-23): Received Flood Insurance
Policy in the file. Exception Cleared. Buyer Comment (2025-12-19): Flood insurance attached |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Missing the Fraud Report. | Reviewer Comment (2025-12-23): Received Fraud Report in
the file. Exception Cleared. Buyer Comment (2025-12-19): Fraud tool attached |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Reviewer Comment (2025-12-23): Received OFAC Search Report
in the file. Exception Cleared. Buyer Comment (2025-12-19): OFAC attached |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Reviewer Comment (2025-12-23): Received OFAC Search Report
in the file. Exception Cleared. Buyer Comment (2025-12-19): attached |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2025-12-23): Received Fraud Report in
the file. Exception Cleared. Buyer Comment (2025-12-19): attached |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Asset depletion requires 3 months of bank statements from any account used for asset depletion. 2 months provided.. | Reviewer Comment (2025-12-31): Account statements and
income worksheet received reflecting asset depletion income used in DSCR
calculation. Buyer Comment (2025-12-29): see attached Reviewer Comment (2025-12-23): Provided bank statement is incomplete. Please provide complete bank statement. Exception Remains. Buyer Comment (2025-12-19): see attached |
12/31/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Missing gift letter for gift funds received of $XXXX as stated from 1008. | Reviewer Comment (2025-12-23): Received Gift Letter in the
file. Exception Cleared. Buyer Comment (2025-12-19): gift documentation attached |
12/23/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide evidence the primary residence is owned free and clear or provide a 12 month pay history. | Reviewer Comment (2025-12-31): Verified from D213,
property is free and clear, exception cleared Buyer Comment (2025-12-29): see attached |
12/31/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000109074 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | 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 |
Reviewer Comment (2026-03-13): Client exception
received. |
03/13/2026 | No | 2 | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 6000109274 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement Missing in this loan file | Reviewer Comment (2026-01-30): Borrowing certificate
associated in lieu of operating agreement as borrower is a sole member.
Exception cleared. Buyer Comment (2026-01-28): Please note the state of XXXX does not require an Operating Agreement and per the Borrowers EIN letter in the file the Borrower is the sole member. Also, there is no XXXX for this LLC. Thank you. |
01/30/2026 | 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 | 6000109274 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-01-30): Received OFAC for business
entity. Exception cleared Buyer Comment (2026-01-28): Please see clear OFAC attached. Thank you. |
01/30/2026 | 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 | 4000112987 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Verification of the Gift Fund Wire, $XXXX, was not in file. | Reviewer Comment (2026-03-17): Disbursement summary
confirms gift funds used for the transaction Buyer Comment (2026-03-17): Comment from XXXX (XXXX): XXXX XXXX: Per title the $XXXX gift was split between 2 loans the disbursement summary shows that the gift funds that were used for this transaction. Reviewer Comment (2026-03-13): Deposit confirmation shows total of $XXXX but nothing specifies the $XXXX for this transaction. Seller Comment (2026-03-13): Comment from XXXX (XXXX): XXXX: Please see the attached disbursement summary from title showing breakdown of funds. Reviewer Comment (2026-02-25): Yes, this would be acceptable. Buyer Comment (2026-02-25): Comment from XXXX (XXXX): XXXX: This gift letter and amount was sent for 2 different files. Would we be able to provide a title receipt with the gift amount of $XXXX to get this cleared? Reviewer Comment (2026-02-23): Received wire confirmation reflects funds of $XXXX, however the Gift Letter indicates $XXXX. Please provide source documents supporting the $XXXX or an updated Gift Letter reflecting $XXXX. Exception remains. Seller Comment (2026-02-23): Comment from XXXX (XXXX): XXXX: Please see attached documentation that shows $XXXX gift funds that show funds were sent to title. The gift funds were separated between 2 files for closing . |
03/17/2026 | 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 | 4000103157 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided | Reviewer Comment (2026-02-24): Received 12 months
Operating History. Exception cleared. Seller Comment (2026-02-24): Comment from XXXX(XXXX): attached |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000103157 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., xxxxxx) and evidence of at least 12 months of Operating History is not present in the loan file. | Vacation Rental History not provided. | Reviewer Comment (2026-02-24): Received 12 months
Operating History. Exception cleared. Buyer Comment (2026-02-24): Comment from XXXX (XXXX): attached |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000103157 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for loan amount over the maximum limit. | 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 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 (2026-02-20): Lender exception
approved |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000110756 | 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 10 business days of the Note. | Reviewer Comment (2026-03-24): Received Lender Exception
with Approved status for verification(s) of employment is not within 10
business days of the Note. Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Exception approved Reviewer Comment (2026-02-25): The VVOE is dated post close, provide VVOE dated within 10 days of note. Seller Comment (2026-02-25): Comment from XXXX (XXXX): Updated VOE |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000109873 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing | Reviewer Comment (2026-02-25): Fraud Report received,
cleared Seller Comment (2026-02-25): Comment from XXXX (XXXX): Fraud Report |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000324 | 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 (2026-02-23): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 2000000324 | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Verification of employment for co-borrower not provided in file for recent date (within 10 calendar days) | Reviewer Comment (2026-02-25): Cleared-VVOE received Buyer Comment (2026-02-25): VVOE Reviewer Comment (2026-02-23): Per guidelines: Verbal Verification of Employment (VVOE): - Must be completed within ten (10) calendar days of the closing date. XXXX is outside of the 10 day window. Buyer Comment (2026-02-23): Verbal VOE |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000109933 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-24): Clearing based on review
coming back within tolerances. |
02/24/2026 | 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 | 4000109933 | 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. | Reviewer Comment (2026-02-23): Accepted as is. |
02/23/2026 | 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 | 4000109933 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower has 2 tradelines>24mo history, 1st tradeline DLA XXXX, 2nd tradeline DLA XXXX. Approved with XXXX FICO, excess reserves of 12 months, no carried debt on open tradeline, DSCR over 1. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-23): Client elects to waive with
compensating factors |
02/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000112167 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-03-02): Received, Clearing. Seller Comment (2026-03-02): Comment from XXXX (XXXX): update attached |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | |||||||||||||||
| XXXXX | 4000108720 | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000108720 | 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. | Receipt of Appraisal. | Reviewer Comment (2026-02-24): Accepted as is. |
02/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | SC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000108720 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification is missing. | Reviewer Comment (2026-02-26): Received, Clearing. Seller Comment (2026-02-26): Comment from Post Closing (XXXX): HOA Doc |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000108720 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-02-26): Received, Clearing. Seller Comment (2026-02-26): Comment from Post Closing (XXXX): Econsent |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116525 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-25): Clearing based on review
coming back within tolerances. |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000116525 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | The guides state ADU are allowable if substantially smaller than subject. The ADU is larger and rents are used to qualify. | 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 (2026-02-24): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
02/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000116197 | 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 (2026-02-25): Accepted as is. |
02/25/2026 | 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 | 4000116197 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing gift donor check in the amount of $XXXX. | Reviewer Comment (2026-03-03): Based on the final 1003 and
the Closing Disclosure, the gift funds are not reflected and were not
utilized as assets in the transaction. Therefore, sourcing of the $XXXX gift
funds is not required. Exception cleared. Buyer Comment (2026-03-02): Comment from XXXX (XXXX): XXXX: Please note that the total gift amount on the transaction was $XXXX, which comprised of 3 separate gifts sent: $XXXX (EMD), $XXXX, and $XXXX. A $XXXX gift was not part of the transaction. |
03/03/2026 | 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 | 4000116197 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing donor check in the amount of $XXXX. | Reviewer Comment (2026-03-02): Bank statement showing
deposit and wire confirmation account for the $XXXX, cleared Seller Comment (2026-03-02): Comment from XXXX (XXXX): XXXX: Please see that the gift totaling $XXXX was made up of 2 separate transactions: $XXXX which was the EMD, and $XXXX which was transferred to the borrower's XXXX Direct XXXX account on XXXX. Please see attached documentation to confirm all gifts. |
03/02/2026 | 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 | 4000116197 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | *New exception after receiving exception documentation and explanation that there was not a $XXXX gift. Assets for Closing are short. | Reviewer Comment (2026-04-02): Received additional assets.
Assets Available for Closing is sufficient to cover Cash From Borrower.
Exception cleared. Seller Comment (2026-04-02): Comment from XXXX (XXXX): XXXX XXXX: Based on the Loan Summary, XXXX is not including the CD from XXXX XXXX with a balance of over $XXXX. Please see the attached documentation. |
04/02/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000114299 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-26): Clearing based on review
coming back within tolerances. |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000114299 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Layered entities are permitted up to two (2) layers, as long as the ownership structure is consistent from top to bottom, with no discrepancies. The borrowing entity is XXXX, which is 90% owned by XXXX, which is XXXX% by XXXX and is split equally in ownership between the two guarantors. The remaining XXXX% ownership in XXXX is held equally between two additional companies not owned by the guarantors. | 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. |
SitusAMC SitusAMC |
Reviewer Comment (2026-04-13): Client exception
received. Seller Comment (2026-04-13): Comment from XXXX (XXXX): An exception for this file was approved by XXXX, please see uploaded confirmation form. Reviewer Comment (2026-02-25): Per XXXX Overlay: Layered entities are permitted up to two (2) layers, as long as the ownership structure is consistent from top to bottom, with no discrepancies. Buyer Comment (2026-02-25): Comment from XXXX (XXXX): Please use XXXX guidelines for review - guidelines do not limit the number of layered entities. The guarantors are majority owners of the borrowing entity and all relevant entity documentation has been provided. Please clear/waive this condition. |
04/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000110073 | 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. | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | 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 | 4000110073 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XXXX are underdisclosed. | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on XXXX are underdisclosed. (Final/XXXX) | Reviewer Comment (2026-03-04): XXXX received Letter of
Explanation & Corrected Closing Disclosure. Seller Comment (2026-03-03): Comment from Purchasing Team (XXXX): PCCD Reviewer Comment (2026-02-27): XXXX received rebuttal that there is no non-escrowed cost but The appraisal indicates HOA dues of $XXXX/mo or $XXXX/year. The acceptable amounts are 10,11, or 12 months. The allowable tolerance for the escrow account fields is $XXXX for underdisclosure and no penalty for overdisclosure however the amount cannot exceed 12 months of calculated costs or less than 9 months. Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure. Buyer Comment (2026-02-25): Comment from Purchasing Team (XXXX): This file show it is escrowed, so there should not be any fees for the non-escrowed section. Please clarify exactly what fees this is in regards as on page 1, it shows that it's escrowed for both taxes and insurance. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000111135 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Zoning legal non-conforming residential multi-family. Appraiser noted if destroyed or burned a variance may be required to rebuild. City of XXXX will not provide an answer on a variance. Subject is attached row home so if it burns most likely a variance will be granted if the entire row burns, they want an option to require current zoning. City will not provide a definitive answer. See SITE COMMENTS general text addendum. Lender exception approved. Borrower is putting down XXXX% of own funds. LTV XXXX% and $XXXX of reserves. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-26): Client elects to
waive/regrade with compensating factors. |
02/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000111135 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Reviewer Comment (2026-03-09): Received, Clearing. |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000111135 | 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 (2026-03-09): Received, Clearing. |
03/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000111135 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount (-XXXX) and calculated Non QM residual amount (-XXXX) are both lower than the amount required per the guidelines (XXXX). | Reviewer Comment (2026-03-09): Received, Clearing. Seller Comment (2026-03-09): Comment from XXXX (XXXX): see attached uw lox Reviewer Comment (2026-03-04): $XXXX Assets used in Residual Income $XXXX XXXX - $XXXX Qualifying balance used $XXXX XXXX - $XXXX Qualifying balance used $XXXX XXXX - $XXXX Qualifying balance used Assets not used for RI $XXXX XXXX $XXXX Stocks - $XXXX Qualifying balance used $XXXX XXXX $XXXX Cash to close needed to be verified (Includes POC & EMD $XXXX - $XXXX = $XXXX Buyer Comment (2026-03-04): Comment from XXXX (XXXX): Good morning. There appears to be a discrepancy with your calculations versus our underwriter. Our underwriter has asked that you provide your detailed calculations for further review. Reviewer Comment (2026-03-02): XXXX is what is available after the funds needed from closing are removed from the accounts. Seller Comment (2026-03-02): Comment from XXXX (XXXX): see attached |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000342 | 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 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 (2026-02-26): Accepted as is. |
02/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 2000000342 | 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. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000111663 | 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 does not list coverage amount. | Reviewer Comment (2026-02-25): Accepted as is. |
02/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000110801 | 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 (2026-02-26): Accepted as is. |
02/26/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000110801 | 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). | 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 ofXXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate | Reviewer Comment (2026-03-24): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-03-23): Comment from XXXX (XXXX): Has now been delivered as of XXXX Reviewer Comment (2026-03-20): Courier does not yet show possession of the remediation package. Seller Comment (2026-03-19): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-03-19): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: 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/XXXX) Reviewer Comment (2026-03-19): Appears the Title-Legal Fees of $XXXX had not been included in prior calculation. Title-Attorney Fee $XXXX and the title-Legal Fees $XXXX. Unable to confirm what services are included in the title-Legal fees $XXXX and was included in finance charges with the title-Attorney fee (settlement fee). Please provide additional information on the services if lender does not agree this fee is a finance charge or provide the additional cure amount noted previously. Buyer Comment (2026-03-18): Comment from XXXX (XXXX): XXXX was the original amount rquested on the condition Reviewer Comment (2026-03-17): XXXX received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the cure refund was short on cure amount. Underdisclosure was $XXXX and cure refund was only $XXXX and is $XXXX short. Additionally, the XXXX tracking does not reflect the cure package has been picked up by carrier. Please provide additional cure refund check to borrower along with proof of mailing for that check and proof that carrier has picked up other cure package on tracking ending in XXXX. To confirm finance charges included in calculation: Flood Cert $XXXX, Origination fee $XXXX, Prepaid Int $XXXX, Tax Service $XXXX, Title-Post Close Contin $XXXX, Title-Attorney Fee $XXXX, Title-Legal Fees $XXXX, Title-Overnight fees $XXXX, Title-Recording Service $XXXX, Title-Filing Fees $XXXX, Title-Release Tracking $XXXX & Title-Wire $XXXX. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-03-04): Flood - $XXXX, Origination - $XXXX, interest - $XXXX, Tax Cert - $XXXX, Title - post closing - $XXXX, Title - Attorney Fee - $XXXX, Title - Courier - $XXXX, Title - recording Service - $XXXX, Title - Release Tracking - $XXXX, Title - Wire Fee - $XXXX. Buyer Comment (2026-03-03): Comment from XXXX (XXXX): Please advise what fees are included in calculation. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000110801 | 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). | 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 | Reviewer Comment (2026-03-24): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-03-23): Comment from XXXX (XXXX): has now been delivered as of XXXX Reviewer Comment (2026-03-20): Courier does not yet show possession of the remediation package. Seller Comment (2026-03-19): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-03-19): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: 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/XXXX) Reviewer Comment (2026-03-17): XXXX received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. However, the cure refund was short on cure amount. Underdisclosure was $XXXX and cure refund was only $XXXX and is $XXXX short. Additionally, the XXXX tracking does not reflect the cure package has been picked up by carrier. Please provide additional cure refund check to borrower along with proof of mailing for that check and proof that carrier has picked up other cure package on tracking ending in XXXX. To confirm finance charges included in calculation: Flood Cert $XXXX, Origination fee $XXXX, Prepaid Int $XXXX, Tax Service $XXXX, Title-Post Close Contin $XXXX, Title-Attorney Fee $XXXX, Title-Legal Fees $XXXX, Title-Overnight fees $XXXX, Title-Recording Service $XXXX, Title-Filing Fees $XXXX, Title-Release Tracking $XXXX & Title-Wire $XXXX. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Please see attached |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | 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 | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000114192 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for the use of gift funds for reserves. Comp Factors: FICO 788, Below 75% LTV, large equity position. Appraisal at XXXX and outstanding balance of $XXXX. | 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 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. |
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Reviewer Comment (2026-02-26): Client elects to
waive/regrade with compensating factors. |
02/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000115402 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Qualification method captured per deal notes. | Reviewer Comment (2026-02-26): Accepted as is. |
02/26/2026 | 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 | 4000112080 | 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. | Credit Report Fee was last disclosed as $XXXXon Loan Estimate but disclosed as $XXXX on Final Closing Disclosure. A cure of $XXXX was disclosed on final Closing Disclosure. This cure is insufficient to cure both credit report and transfer tax tolerance of $XXXX . Insufficient by $XXXX. | Reviewer Comment (2026-03-13): XXXX received LOX for
rebuttal response and sufficient cure provided at closing (on final CD)
resulting in a cleared exception. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Letter of Explanation |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112080 | 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. | Transfer Tax Fee was last disclosed as $XXXX on Loan Estimate but disclosed as $XXXX on Final Closing Disclosure. A cure of $XXXX was disclosed on final Closing Disclosure. This cure is insufficient to cure both credit report and transfer tax tolerance of $XXXX. Insufficient by $XXXX. | Reviewer Comment (2026-03-13): XXXX received LOX for
rebuttal response and sufficient cure provided at closing (on final CD)
resulting in a cleared exception. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Letter of Explanation |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000112080 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow the use of the XXXX 2nd with $XXXX interest, $XXXX payment while also excluding the departure residence PITI with 20% equity. The lender exception form in the loan file is not completed. Provide completely filled out lender exception form. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
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Reviewer Comment (2026-03-06): Lender exception
approved Seller Comment (2026-03-06): Comment from XXXX (XXXX): Fully completed exception request |
03/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000112080 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide letter of intent to sell current residence. | Reviewer Comment (2026-03-06): Purchase agreement
received, cleared Seller Comment (2026-03-06): Comment from XXXX (XXXX): Listing Agreement-Departure Residence |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112080 | 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 (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000112080 | 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 |
XXXXX | No | 1 | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000113660 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for subject property ownership less than 12 months. | 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%. |
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Reviewer Comment (2026-02-27): Lender exception
approved |
02/27/2026 | 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 | 4000116029 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification & LOE of Intent to sell is missing. | Reviewer Comment (2026-02-27): Required docs received,
cleared Seller Comment (2026-02-27): Comment from XXXX (XXXX): REO XXXX LOE intent to sell and Hazard policy |
02/27/2026 | 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 | 4000116029 | 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 (2026-02-27): Accepted as is. |
02/27/2026 | 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 | 4000116029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | 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 | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116029 | 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 Home Inspection Fee. 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. | Reviewer Comment (2026-04-08): XXXX received PCCD, LOE and
payment history for principal reduction of cure. Seller Comment (2026-04-07): Comment from XXXX (XXXX): PCCD Pkg Home Inspection Fee $XXXX |
XXXXX | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116029 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. | Reviewer Comment (2026-03-24): Corrected tax amount as per
document. Exception cleared. Seller Comment (2026-03-24): Comment from XXXX (XXXX): UW Rebuttal for Taxes Reviewer Comment (2026-03-10): Lender lists taxes at $XXXX/mo. Tax documentation provided = $XXXX/mo. Exception remains. Seller Comment (2026-03-10): Comment from XXXX (XXXX): UW LOE DTI below 50&% |
03/24/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000116029 | 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. | Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. | Reviewer Comment (2026-03-24): Received, Clearing. Seller Comment (2026-03-24): Comment from XXXX (XXXX): UW Rebuttal Tax Reviewer Comment (2026-03-10): Lender lists taxes at $XXXX/mo. Tax documentation provided = $XXXX/mo. Exception remains. Seller Comment (2026-03-10): Comment from XXXX (XXXX): UW LOE DTI below 50&% |
03/24/2026 | No | 1 | A | A | A | A | 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 | 4000116029 | 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 investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. | Reviewer Comment (2026-03-24): Received, Clearing. Seller Comment (2026-03-24): Comment from XXXX (XXXX): UW Rebuttal Tax Reviewer Comment (2026-03-10): Lender lists taxes at $XXXX/mo. Tax documentation provided = $XXXX/mo. Exception remains. Seller Comment (2026-03-10): Comment from XXXX (XXXX): UW LOE DTI below 50&% |
03/24/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| XXXXX | 4000116029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% moderately exceeds the guideline maximum of XXXX%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. | Reviewer Comment (2026-03-24): Received, Clearing. Seller Comment (2026-03-24): Comment from XXXX (XXXX): UW Rebuttal Tax Reviewer Comment (2026-03-10): Lender lists taxes at $XXXX/mo. Tax documentation provided = $XXXX/mo. Exception remains. Seller Comment (2026-03-10): Comment from XXXX (XXXX): UW LOE DTI below 50&% |
03/24/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| XXXXX | 4000114442 | 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 (2026-02-27): Accepted as is. |
02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114442 | 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. | 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. Compliance Report reflects an Alert Status for Higher Priced. | Reviewer Comment (2026-03-02): Received Appraisal Notice.
Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX.): Borrower has impounds acct and we delivered appraisal report at least 3days prior to note date. |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114442 | 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 (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 (2026-03-02): Received Appraisal Notice.
Exception cleared. Seller Comment (2026-03-02): Comment from XXXX (XXXX.): please see appraisal delivery confirmation |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116198 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-02-27): Clearing based on review
coming back within tolerances. |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000116198 | 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 (2026-02-26): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000116198 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing | Reviewer Comment (2026-03-04): Received Property History
Report showing Property is Vacant Land. Exception cleared. Seller Comment (2026-03-04): Comment from XXXX (XXXX): XXXX: Please see the attached documents to support that the REO property at XXXX is vacant land. Images of the property also support there is not currently a dwelling on this land. XXXX is not required to obtain insurance for vacant properties. |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113264 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by XXXX. | Reviewer Comment (2026-03-03): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Please see RCE's to go with the HOI Policy to clear condition Reviewer Comment (2026-03-02): Coverage is based on FNMA coverage which is not based on the loan amount. Coverage shortage has been updated to XXXX. Seller Comment (2026-03-02): Comment from XXXX (XXXX): This should be invalid. You guys should have the attached HOI Policy and it states the dwelling as $XXXX but there is an additional extended replacement cost of 25%, which is $XXXX. So it should be $XXXX + $XXXX = $XXXX, which exceeds the loan amount of $XXXX. Please re-review and waive or advise. |
03/03/2026 | 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 | 4000110517 | 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 (2026-03-04): XXXX received COC dated
XXXX. Seller Comment (2026-03-02): Comment from XXXX (XXXX): Borrower Chosen |
03/04/2026 | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110517 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor Check not Provided | Reviewer Comment (2026-03-02): Received, Clearing. Seller Comment (2026-03-02): Comment from XXXX (XXXX): attached |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000110517 | 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 CA and does not reflect a coverage amount (no final title policy in file). | 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 | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000110517 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing letter of intent to sell. | Reviewer Comment (2026-03-04): Received letter of
explanation, Exception Cleared. Seller Comment (2026-03-04): Comment from XXXX (XXXX): attached |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116465 | XXXXX | XXXXX | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-03): Received, Clearing. Seller Comment (2026-03-03): Comment from XXXX (XXXX): please see attached |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000107890 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of ___ is less than AUS required disposable income of ___. | Residual Income is short of $XXXX as per Guidelines. If there is any Exception need Lenders Exception | 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. 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. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-03): Client exception
received. Seller Comment (2026-03-03): Comment from XXXX (XXXX): Exception was provided |
03/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000107890 | 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 (2026-03-02): Accepted as is. |
03/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110336 | 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 (2026-02-27): Accepted as is. |
02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Second Home | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110336 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed.Appraisal disclosed HOA fees of $XXXX per annum. | Reviewer Comment (2026-04-13): XXXX received Letter of
Explanation & Corrected Closing Disclosure. Reviewer Comment (2026-04-13): XXXX received PCCD and LOE however, it seems PCCD is not updated as page #1 still shows the amount $XXXX. LOE infect, shows the changes made but corrected PCCD is required to cure. Seller Comment (2026-04-09): Comment from XXXX (XXXX): see attached Reviewer Comment (2026-03-10): XXXX received corrected PCCD with corrected page #4 and correct amount $XXXX for tax, insurance and assessment but under projected payments Estimated escrow amount reduced to $XXXX while the actual escrow amount is $XXXX (See IEAD) due to this the Estimated Total Payment is also incorrectly calculated as $XXXX. Please provide correct PCCD and LOE to cure this exception. Seller Comment (2026-03-09): Comment from XXXX (XXXX): lox & pccd Reviewer Comment (2026-03-09): XXXX received corrected PCCD and LOE with total Taxes, Insurance and Assessments as $XXXX. However, as per file the semi-annual tax amount is $XXXX or $XXXX/month, insurance is $XXXX/month and HOA dues $XXXX per month. The total monthly amount should be $XXXX out of which non-escrowed cost is $XXXX. Please provide corrected PCCD and LOE with correct page #1 and page #4. Seller Comment (2026-03-06): Comment from XXXX (XXXX): LOX PCCD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | VA | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000110336 | 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. | Valuation provided to applicant is prior to the date when valuation was performed. | Reviewer Comment (2026-02-27): Accepted as is. |
02/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Second Home | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110336 | 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 provided at closing. | Reviewer Comment (2026-02-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116090 | 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 | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000105762 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lease expired on XXXX and does not contain an automatic renewal clause. Same tenants still lives in the subject - prior lease $XXXX mo, however tenant currently paying $XXXX per verbal agreement - Considered $XXXX mo for qualifying. File contains letter of explanation and proof of Nov, Dec and Jan payments. | 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 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%. |
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 | NJ | Second Home | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000113628 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-03): Clearing based on review
coming back within tolerances. |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000113628 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower using non liquid XXXX Account for EMD and CTC. | 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 (2026-03-03): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
03/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000116145 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-05): Clearing based on review
coming back within tolerances. |
03/05/2026 | 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 | 4000112264 | 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 (2026-03-04): Accepted as is. |
03/04/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000112264 | 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 (2026-03-06): XXXX received LOX for
rebuttal response with bifurcation recording fee and transfer taxes disclosed
on LE and CD. Further review the fees are within that tolerance
requirement. Seller Comment (2026-03-04): Comment from XXXX XXXX): Please see attached. |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Yes | |||||||||
| XXXXX | 4000112264 | 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 (2026-03-12): XXXX received LOE fir the
correctness of COC dated XXXX. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-03-06): XXXX: The COC that was provided in the trailing images was also provided in the original loan package indicates that lock extended for 5 days at a cost of XXXX%. But the cost disclosed on final CD of XXXX% and the point charged to borrower of $XXXX. File does not contain valid COC for the fee was increased. A valid COC for the fee increased on final CD or Cure is required to bororwer. Seller Comment (2026-03-04): Comment from XXXX (XXXX): COC shows that rate was extended. |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Yes | |||||||||
| XXXXX | 4000112264 | 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 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 (2026-03-06): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Buyer Comment (2026-03-04): Comment from XXXX (XXXX): Final CD dated XXXX in section J. $XXXX was already credited back to the borrower for the overage. Please waive. |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Yes | |||||||||
| XXXXX | 4000112264 | 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. | Reviewer Comment (2026-03-04): Accepted as is. |
03/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000112264 | 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 (2026-03-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||||||||
| XXXXX | 4000107026 | 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 nor COC provided. | Reviewer Comment (2026-03-09): XXXX received a valid
COC. Seller Comment (2026-03-05): Comment from XXXX (XXXX): COC |
03/09/2026 | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000107026 | 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. | The date the valuation was provided to the applicant was prior to the date the valuation was performed. | 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 | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112106 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file was missing a copy of Fraud Report | Reviewer Comment (2026-03-11): Associated Fraud Report.
Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): Fraud Report Attached |
03/11/2026 | 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 | 4000117786 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $XXXX. | Reviewer Comment (2026-03-09): RCE, cleared Seller Comment (2026-03-09): Comment from XXXX (XXXX): Replacement Cost Estimate |
03/09/2026 | 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 | 4000116894 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor Check in the amount of $XXXX is missing. | Reviewer Comment (2026-03-06): Received Donor bank
statement, Exception Cleared. Seller Comment (2026-03-06): Comment from XXXX (XXXX): there is no gift of $XXXX, should be $XXXX, this gift is directly from donor's XXXX acct XXXX, donor's XXXX bank statement is in the file, please also see attached |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116596 | 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 | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-03-09): Received, Clearing. Buyer Comment (2026-03-09): Comment from XXXX (XXXX): PCCD shows disbursement date as XXXX. Please see closing pkg pg.190 |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116596 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Cert is not legible. | Reviewer Comment (2026-03-09): Received Flood Certificate.
Exception cleared. Seller Comment (2026-03-09): Comment from XXXX (XXXX): FLOOD CERT |
03/09/2026 | 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 | 4000117520 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Need a 2055 appraisal or a purchase contract for the departure residence. | Reviewer Comment (2026-03-09): Received, Clearing. Seller Comment (2026-03-09): Comment from XXXX (XXXX): Appraisal report for departure resident |
03/09/2026 | 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 | 4000110702 | 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 CA and does not reflect a coverage amount (no final title policy in file). | 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 | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000117381 | 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 CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-03-06): Accepted as is. |
03/06/2026 | 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 | 4000117381 | 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 (2026-03-06): Accepted as is. |
03/06/2026 | 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 | 4000112546 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-10): Clearing based on review
coming back within tolerances. |
03/10/2026 | 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 | 4000114006 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided | Incomplete CDA was provided in file. | Reviewer Comment (2026-03-09): CDA, cleared Seller Comment (2026-03-09): Comment from XXXX (XXXX): uploaded CDA document |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000114006 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Incomplete CDA was provided in file. | Reviewer Comment (2026-03-09): CDA, cleared |
03/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000116933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule B | Ability to Repay (Dodd-Frank 2014): Unable to verify Interest / Dividend income using reasonably reliable third-party records. | 1040's provided are not signed and dated by borrowers. | Reviewer Comment (2026-03-10): Signed 4506C on file Seller Comment (2026-03-10): Comment from XXXX (XXXX): Tax signatures were already in file. |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116933 | 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. | 1040's provided are not signed and dated by borrowers. | Reviewer Comment (2026-03-10): Signed 4506C on file |
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 status | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | 1040's provided are not signed and dated by borrowers. | Reviewer Comment (2026-03-10): Signed 4506C on file |
03/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116933 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | B2 has H4 Visa with EAD | 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. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-09): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
03/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000116933 | 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 (2026-03-09): 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 | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000111971 | 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 (2026-03-06): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 6000112184 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide evidence of UW discretion for borrower living rent free with other than a spouse. | Reviewer Comment (2026-02-11): Received 1008 with
underwriter's comment. Exception Cleared. Buyer Comment (2026-02-09): UW discretion |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000112082 | 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. | The Certificate of Non-Owner Occupied does not show the borrower principal address. | Reviewer Comment (2026-02-12): Received Certificate of
Non-Owner Occupied showing borrower at an different address. Exception
cleared. Buyer Comment (2026-02-10): Please see attached section 4A completed. Thank you. |
02/12/2026 | 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 | 6000112159 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business statement for month ending XXXX used for income calculation is missing. | Reviewer Comment (2026-02-12): Received XXXX month bank
statement for account #XXXX. Exception cleared. Buyer Comment (2026-02-11): XXXX |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000112159 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Business statement for month ending XXXX used for income calculation is missing. | Reviewer Comment (2026-02-12): Received XXXXmonth bank
statement for account #XXXX. Exception cleared. Buyer Comment (2026-02-11): see attached statement |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000112159 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-02-12): Cash-out proceeds utilized
to meet reserves requirement. Exception cleared. Buyer Comment (2026-02-10): Per matrix, cash out may be used for reserves. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 6000112159 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide evidence that the CPA is duly certified. | Reviewer Comment (2026-02-12): Received document for CPA
is duly certified. Exception cleared. Buyer Comment (2026-02-10): EA |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000112159 | 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). | Amount Financed did not include Property Taxes due for and Misc Payoff in Section H of the final Closing Disclosure. | Reviewer Comment (2026-02-13): Property taxes not included
in finance charges. |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000112159 | 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). | Amount Financed did not include Property Taxes due for and Misc Payoff in Section H of the final Closing Disclosure. | Reviewer Comment (2026-02-13): Property taxes not included
in finance charges. |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | 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 | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000112159 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Business statement for month ending XXXX used for income calculation is missing. | Reviewer Comment (2026-02-12): Received XXXX month bank
statement for account #XXXX. Exception cleared. Buyer Comment (2026-02-11): see attached statement |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000112159 | 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 (2026-02-23): CDFI lender testing ATR. |
02/23/2026 | No | 2 | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000112116 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide a 12 month pay history for the subject property. | Reviewer Comment (2026-02-11): Received pay history of
subject in credit supplemental report. Exception Cleared. Buyer Comment (2026-02-09): Please see credit supplement for Borrowers primary mtg acct #XXXX. |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000112084 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | UW Discretion is required for borrower living rent free. | Reviewer Comment (2026-02-12): Received UW discretion for
borrower living rent free. Exception cleared. Buyer Comment (2026-02-10): Final UW 1008 with rent free comments. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | GA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000112182 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide verification of ownership percentages for the borrowing entity. | Reviewer Comment (2026-02-16): Provided page of operating
agreement which confirms 50% ownership of the guarantor in the borrowing
business entity. Exception cleared. Buyer Comment (2026-02-12): Please see documentation confirming ownership percentages. Thank you. |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118650 | 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. | Updated as per Document. | 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 | 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 | 4000118650 | 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. Reviewer Comment (2026-03-11): No additional information is needed at this time Buyer Comment (2026-03-11): Comment from XXXX (XXXX): Please let us know if we need to provide anything |
03/17/2026 | 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 | 4000118650 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The equity in the departing residence must be documented with a 2055 exterior appraisal or Full appraisal. | Reviewer Comment (2026-03-10): Received Appraisal.
Exception cleared. Seller Comment (2026-03-10): Comment from XXXX (XXXX): Departing resident appraisal |
03/10/2026 | 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 | 4000115473 | 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 (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-03-09): Accepted as is. |
03/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000111476 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note Date: ___; Lien Position: ___ | The top and bottom pages of the appraisal are cut off. Provide complete appraisal report. | Reviewer Comment (2026-03-11): Received complete Appraisal
Report. Exception cleared. Seller Comment (2026-03-11): Comment from XXXX (XXXX): uploaded appraisal document |
03/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Second Home | Purchase | D | A | A | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114695 | 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 | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000114695 | 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 XXXXand does not reflect a coverage amount (no final title policy in file) | Reviewer Comment (2026-03-10): Accepted as is. |
03/10/2026 | No | 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 | 4000114695 | 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 (2026-03-17): Accepted as is. |
03/17/2026 | No | 2 | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000119789 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-03-11): Cleared- asset statement
received Seller Comment (2026-03-11): Comment from XXXX (XXXX): Bank Statements |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000119789 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-03-11): Cleared, bank statement
recived Seller Comment (2026-03-11): Comment from XXXX (XXXX): bank statements uploaded |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000115346 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal indicates the subject is located in a PUD, and the PUD rider is missing. | Reviewer Comment (2026-04-03): Received, Clearing. Seller Comment (2026-04-03): Comment from XXXX (XXXX): Scrivener affidavit attached Reviewer Comment (2026-04-01): PUD rider received. Please provide copy of the corrected SI Seller Comment (2026-04-01): Comment from XXXX (XXXX): PUD rider signed and sent to recording |
04/03/2026 | 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 | 4000116896 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-03-16): VVOE received for
co-borrower |
03/16/2026 | 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 | 4000116896 | 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 is waterfall due to the verification of employment for Co-Borrower is not within 10 business days of the Note. | Reviewer Comment (2026-03-16): VVOE received for
co-borrower |
03/16/2026 | 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 | 4000116896 | 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. | Loan is waterfall due to the verification of employment for Co-Borrower is not within 10 business days of the Note. | Reviewer Comment (2026-03-16): VVOE received for
co-borrower Seller Comment (2026-03-16): Comment from XXXX (XXXX): see attached lox Reviewer Comment (2026-03-12): Third Party Verification provided is not for Employer as listed on 1003. Exception remains. Seller Comment (2026-03-12): Comment from XXXX (XXXX): B2 VOE in file is within 10 days of the closing date. |
03/16/2026 | 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 | 4000117117 | 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 | AZ | Primary | Purchase | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000117117 | 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 provided | Reviewer Comment (2026-03-25): Received Final Inspection /
442. Exception cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): uploaded final inspection document |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117117 | 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 provided in file | Reviewer Comment (2026-04-06): Received, cleared Seller Comment (2026-04-06): Comment from XXXX (XXXX): uploaded final inspection document |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117117 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-04-20): Trust income not used in
qualifying |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000117117 | 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 (2026-04-20): Trust income not used in
qualifying |
04/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000117117 | 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 Trust Agreement for Trust income | Reviewer Comment (2026-04-20): Trust income not used in
qualifying |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110901 | 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 (2026-03-12): Accepted as is. |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000110901 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Occupancy Certificate is signed but does not indicate the occupancy type. | Reviewer Comment (2026-03-12): Received, Clearing. Seller Comment (2026-03-12): Comment from XXXX (XXXX): OCCUPANCY CERT |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000110906 | 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. | :Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXXexceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-02): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Seller Comment (2026-04-01): Comment from XXXX (XXXX): PCCD Reviewer Comment (2026-03-30): XXXX received rebuttal that lender credit was reduced in order for borrower to meet the down payment minimum. However, the borrower was locked in with terms that gave borrower a lender credit of $XXXX. As borrower was not given that full credit per the lender's lock-in agreement, a cure refund is due to the borrower unless a valid changed circumstance is provided relating to a reduction in a lender credit. The TRID rule and regulations under 1026.19 does not provide any provision that would allow a reduction in lender credit based on investor or loan program requirements. Excess credit that exceed the total closing costs should be provided as cash to borrower or applied as a principal reduction. Commentary to 1026.19(e)(3)(i)-5 provides: "The actual total amount of lender credits, whether specific or nonspecific, provided by the creditor that is less than the estimated "lender credits" identified in § 1026.37(g)(6)(ii) and disclosed pursuant to § 1026.19(e) is an increased charge to the consumer for purposes of determining good faith under § 1026.19(e)(3)(i). For example, if the creditor discloses a $750 estimate for "lender credits" pursuant to § 1026.19(e), but only $500 of lender credits is actually provided to the consumer, the creditor has not complied with § 1026.19(e)(3)(i) because the actual amount of lender credits provided is less than the estimated "lender credits" disclosed pursuant to § 1026.19(e), and is therefore, an increased charge to the consumer for purposes of determining good faith under § 1026.19(e)(3)(i). … if the creditor discloses a $750 estimate for "lender credits" to cover the cost of a $750 appraisal fee, but subsequently reduces the credit by $50 because the appraisal fee decreased by $50, then the requirements of § 1026.19(e)(3)(i) have been violated because, although the amount of the appraisal fee decreased, the amount of the lender credit decreased. Further CFPB FAQs question 10 https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/#lender-creditsprovides "Lender credits may decrease only if there is an accompanying changed circumstance or other triggering event under 12 CFR §1026.19(e)(3)(iv), and the creditor provides the consumer with a revised estimate within three business days of receiving information sufficient to establish that the changed circumstance or other triggering event has occurred. …. Specifically, absent a changed circumstance or other triggering event, the amount of the total specific and general lender credits actually provided to the consumer cannot be less than the amount of lender credits disclosed in Section J: Total Closing Costs on page 2 of the Loan Estimate (i.e., the total lender credits cannot decrease). Additionally, see page 349-350 of the TRID Final RuleXXXX which provides: However, with respect to the request that the Bureau provide a specific exemption that would allow the amount of lender credits to decrease so that the creditor would be able to stay within guidelines under streamlined refinancing programs that limit the amount of cash that the creditor could pay the consumer at closing, the Bureau declines. Lenders are not permitted to reduce the lender credits they provide to the borrower under current Regulation X. See HUD RESPA FAQs p. 27, # 4 ("GFE - Block 2"). Under current Regulation X, the loan originator may only apply the amount of the excess lender credits to additional closing costs previously not anticipated to be included in the loan, apply the excess to a principal reduction to the outstanding balance of the loan, pay the consumer the excess in cash, or reduce the interest rate and the credit accordingly. Creditors will be able to take the same actions with respect to lender creditors in streamlined refinancing programs under this final rule. LOE and Refund or principal reduction is required to cure lender credit tolerance violation. Buyer Comment (2026-03-26): Comment from XXXX (XXXX): This is not a pricing issue. Minimum adjusted borrower contribution (shown as cash to close on final CD) is Down Payment-Earnest-Money-Tax or $XXXX-$XXXX-$XXXX = $XXXX. When balancing fees on final CD it was discovered that the borrower would not meet the required contributions with original lender credit of $XXXX so credit was decreased and disclosed for borrower to meet required minimum. Reviewer Comment (2026-03-26): XXXX received initial rate lock document with final price of 101.105 with lender of $XXXX(XXXX%). Provide latest rate lock document with additional information on why the pricing changed to decrease the lender credit of $XXXX (XXXX%) on final CD. Seller Comment (2026-03-24): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-03-23): XXXX received rebuttal and COC stating credit decreased due to cash to close requirements. Please provide latest rate lock to verify pricing change on final CD. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): When calculating fees for the final CD on XXXX borrower didn't meet minimum cash to close requirement. Lender credit was decreased to compensate and disclosed same day. No additional cure should be required. Reviewer Comment (2026-03-17): XXXX received Changed Circumstance dated 02/25/2026, but it does not give sufficient information on why the why lender credit was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason credit decreased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment (2026-03-13): Comment from XXXX (XXXX): Change was disclosed with closing disclosure. No cure is required. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | 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 | 4000115982 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood certificate is missing. | Reviewer Comment (2026-04-14): Received Flood Certificate.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): cert |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance is missing. | Reviewer Comment (2026-04-14): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): HOI policy |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115982 | 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 (2026-03-12): Accepted as is. |
03/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000115982 | 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 (3) 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 not delivered to Borrower(s) within three (3) business days of application. | Reviewer Comment (2026-04-15): XXXX received e-consent
datedXXXX Seller Comment (2026-04-14): Comment from XXXX (XXXX): LE |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000115982 | 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 (2026-04-14): Received Title Commitment.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): title |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | No evidence of fraud report in file. | Reviewer Comment (2026-04-14): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): fraud report |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval/1008 not provided. | Reviewer Comment (2026-04-14): Received 1008. Exception
cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): 1008 |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Sales contract not provided. | Reviewer Comment (2026-04-14): Received Purchase Contract.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): contract |
04/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing appraisal report for departure residence pending sale, as required per guides. | Reviewer Comment (2026-04-17): Including the departure
residence PITI, the borrower has sufficient residual income Seller Comment (2026-04-17): Comment from XXXX (XXXX): see attached lox from underwriter Reviewer Comment (2026-04-15): Equity in the departure residence must be documented with a 2055 exterior appraisal or full appraisal for property that does not have a contract in place. Exception remains. Seller Comment (2026-04-15): Comment from XXXX (XXXX): see attached from underwriter |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-04-14): Received Legal Description.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): legal |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | 360 amortizations utilized instead of the 240 which is a higher payment. | Reviewer Comment (2026-04-15): After furhter review,
exception has been cleared. Seller Comment (2026-04-15): Comment from XXXX (XXXX): see attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000115982 | 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. | 360 amortization utilized instead of the 240 which is a higher payment. | Reviewer Comment (2026-04-15): After further review,
exception has been cleared. Seller Comment (2026-04-15): Comment from XXXX (XXXX): see attached |
04/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000115982 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount (XXXX) and calculated Non QM residual amount (XXXX) are both lower than the amount required per the guidelines (XXXX). | 360 amortization utilized instead of the 240 which is a higher payment. | Reviewer Comment (2026-04-15): After further review,
exception has been cleared. Seller Comment (2026-04-15): Comment from XXXX (XXXX): see attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000115982 | 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 (2026-04-20): As per CD disbursement date
is XXXX is same as HOI Policy Effective date XXXX Hence policy is active at
closing, Exception Cleared. Seller Comment (2026-04-20): Comment from XXXX (XXXX): see attached from insurance agent. No claims have been filed against the current policy. Reviewer Comment (2026-04-15): Property is in a wet state. Effective date must equal Note date. Exception remains. Buyer Comment (2026-04-15): Comment from XXXX (XXXX): Policy provided reflects a effective date on or before disbursement, prior to active loan. |
04/20/2026 | No | 1 | A | A | A | A | A | CO | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000119032 | 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 (2026-03-11): Accepted as is. |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000119032 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for borrower not being obligated on the mortgage being paid off as part of the refinance | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-03-11): Lender exception
approved |
03/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000116077 | 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, and the prelim does not state a coverage amount. | Reviewer Comment (2026-03-11): Accepted as is. |
03/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118735 | 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. | Closing is XXXX and valuation reported XXXX. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | 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 | 4000113339 | 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. | Cure was not provided. | Reviewer Comment (2026-03-17): XXXX received a valid
COC. Seller Comment (2026-03-17): Comment from XXXX (XXXX): Uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | Non QM | Yes | |||||||||
| XXXXX | 4000113339 | 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. | Cure was not provided. | Reviewer Comment (2026-03-17): XXXX received a valid
COC. Seller Comment (2026-03-17): Comment from XXXX (XXXX): Uploaded LOE, LE, COC, and Rate Lock Agreement documents |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | Non QM | Yes | |||||||||
| XXXXX | 4000112969 | 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 (2026-03-17): Client elects to waive |
03/17/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000115532 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing. | Reviewer Comment (2026-03-13): Fraud report received and
red flags addressed 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 | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000115532 | 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 | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000111651 | 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 (2026-03-17): Accepted as is. |
03/17/2026 | 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 | 4000111651 | 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 plusXXXX or XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-19): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | 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 | Yes | |||||||||||||||
| XXXXX | 4000117703 | 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. | 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 (2026-03-17): Accepted as is. |
03/17/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | 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. | Missing evidence the borrower received the appraisal 3 days prior to closing | Reviewer Comment (2026-03-18): Appraisal receipt doc
provided. Cleared. |
03/18/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Missing evidence the borrower received the appraisal 3 days prior to closing | Reviewer Comment (2026-03-17): Accepted as is. |
03/17/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | 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 (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | TILA HPML Appraisal 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 (2026-03-18): Appraisal receipt doc
provided. Cleared. Seller Comment (2026-03-18): Comment from XXXX (XXXX): Appraisal Delivery Report |
03/18/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | 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 (2026-03-17): Accepted as is. |
03/17/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | 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. | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-03-24): WVOE received |
03/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000117703 | 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 XXXX, XXXX, XXXX, XXXX or XXXX. | XXXX of "XXXX" for Co-borrower is missing from the file. | Reviewer Comment (2026-03-18): WVOE provided. Cleared. Seller Comment (2026-03-18): Comment from XXXX (XXXX): WVOE for xxxxxx |
03/18/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Do Not Address 8 ATR Factors | Ability to Repay (Dodd-Frank 2014): Guidelines provided do not address all 8 factors of ATR. | Ability to Repay (Dodd-Frank 2014): Guidelines provided do not address all 8 factors of ATR. | Reviewer Comment (2026-03-24): WVOE received |
03/24/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-03-24): WVOE received |
03/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | 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). | 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/XXXX) | Reviewer Comment (2026-04-06): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | 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 | C | B | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000117703 | 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 XXXX 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). | 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/XXXX) | Reviewer Comment (2026-04-06): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-03): Comment from XXXX (XXXX): PCCD and supporting documents Reviewer Comment (2026-03-31): If "Title" HOA Demand processing and Title-"HOA Dues" are actually Section H fees that were not required for the extension of credit, a Lender attestation confirming the purpose of the "Title" HOA fees & Corrected CD and LOE moving those to Section H would exclude from Finance charge calculation if attestation clarifies purpose and is not a finance charge. Typically a HOA fee for dues, transfer, etc, is not a "Title" prefix fee, which is the requirement for additional clarification on those fees. If not finance charge those amounts of $XXXX and $XXXX will adjust the finance charge calculation to be underdisclosed $XXXX which is the Title-Loan Tie-In $XXXX, Title-Title Transaction $XXXX and the Title-Technology fee $XXXX. Corrected CD, LOE to borrower, copy of cure refund for $XXXX and proof of mailing would cure those. If the lender feels any of those fees are not finance charges, they can provide a Lender's Attestation giving the specific services/purpose for futher determination. Buyer Comment (2026-03-30): Comment from XXXX (XXXX): Could we cure for $XXXX (technology and loan tie in fee) and move the HOA transfer and dues fees to Section H on the PCCD to alleviate the need for curing them? Reviewer Comment (2026-03-30): XXXX received rebuttal on fees lender not including in finance charge calculation. However, based on fee name and location of fee, they do appear to be related to the extension of credit and a finance charge. Section C placement of fees typically are fees that lender required as a fee related to the extension of credit. Otherwise, a borrower optional fee unrelated to the extension of credit would be disclosed in Section H. XXXX would require a lender's attestation giving the specific services & purpose of the fees to determine if they are finance charges. Based on the lender rebuttal the technology fee being an escrow fee to process solar transfer appears related to the extension of credit and the other fees also appear related to being a service type fee and related to extension of credit. Typically a HOA transfer fee and dues would not be a title fee and would be in Section H, however, these fees are title fees in Section C. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Reached out to settlement agent to request fee descriptions for some of the fees being considered APR fees. Agent confirmed Technology Fee - $XXXX is an escrow fee to process solar transfer, Title Transaction Management fee -$XXXX is a transfer fee for HOA to XXXX, and the HOA fees you have listed -$XXXX presumably includes the dues amount of $XXXX, which we do not believe should be included as an APR fee. Please advise these fee descriptions still require fees to be included in APR. Settlement agent email attached for reference. Reviewer Comment (2026-03-26): Per 1026.4(c)(7) the following fees may be excluded from APR testing. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Buyer Comment (2026-03-25): Comment from XXXX (XXXX): HOA fees, Technology Fee, and Transaction fees aren't currently listed as APR fees as stated in earlier response. Can you provide a list of the fees that you are including in APR fees? Reviewer Comment (2026-03-19): The under disclosure seems to be due to the inclusion of HOA fees, Reimbursement Fee, Technology Fee, and Transaction fees in section C as APR fees. Per 1026.4(c)(7) only the following fees may be excluded from APR testing. Buyer Comment (2026-03-18): Comment from XXXX (XXXX): Please list finance charges included in calculation |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | 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 | C | B | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000117703 | 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. | 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. (0) | Reviewer Comment (2026-03-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000117703 | 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 (2026-03-17): Accepted as is. |
03/17/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | WVOE of "XXXX" for Co-borrower is missing from the file. | Reviewer Comment (2026-03-18): WVOE provided. Cleared. |
03/18/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | 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. | WVOE of "XXXX" for Co-borrower is missing from the file. | Reviewer Comment (2026-03-18): WVOE provided. Cleared. |
03/18/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000117703 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 130(b) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. | Sufficient cure at closing | Reviewer Comment (2026-04-07): 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 (2026-04-06): Comment from XXXX (XXXX): $XXXX already cured on CD at closing for recording fees being over tolerance. |
04/07/2026 | No | 1 | 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 | B | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||||||
| XXXXX | 4000118716 | 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 Title policy coverage amount. | Reviewer Comment (2026-03-13): Client elects to waive |
03/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118716 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (XXXX: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing gift letter for the EMD. | Reviewer Comment (2026-03-16): Gift letter, cleared |
03/16/2026 | 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 | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118716 | 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 gift letter for the EMD | Reviewer Comment (2026-03-16): Gift letter, cleared |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118716 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter is missing for the EMD. | Reviewer Comment (2026-03-16): Gift letter, cleared Seller Comment (2026-03-16): Comment from XXXX (XXXX.): please see attached gift letter |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000114272 | 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 | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000114272 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | HELOC Agreement used for proceeds and down payment, not provided in the file. | Reviewer Comment (2026-03-19): Received Closing Statement.
Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX): XXXX: Please see the attached settlement statement showing the net processed been used to support enough funds. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000115450 | 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 | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000113696 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-03-16): Received VVOE dated within
10 days prior to Note date. Exception cleared. Seller Comment (2026-03-16): Comment from XXXX (XXXX): Verification of Employment |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113696 | 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 Risk. | Reviewer Comment (2026-03-18): Received, Clearing. |
03/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | UT | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000113696 | 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 (2026-03-18): Received, Clearing. |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119787 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-18): Clearing based on review
coming back within tolerances. |
03/18/2026 | 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 | 4000116569 | 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 was provided to the borrower . | Reviewer Comment (2026-03-19): XXXX received valid COC Seller Comment (2026-03-17): Comment from XXXX (XXXX): uploaded LOE, ICD, COC, and rate agreement documents |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | 4000120919 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing for XXXX. | Reviewer Comment (2026-03-19): Received Certificate of
Good Standing. Exception cleared. Seller Comment (2026-03-19): Comment from XXXX (XXXX): Please see uploaded COGS. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000120919 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Layered entities are permitted up to two layers, as long as the ownership structure is consistent from top to bottom, with no discrepancies. The member forXXXX is not listed as guarantor. | 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. 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 |
Reviewer Comment (2026-03-27): Client exception
received. Seller Comment (2026-03-26): Comment from XXXX (XXXX): See attached exception approval for layered entities. Reviewer Comment (2026-03-19): The XXXX has the layered entity overlay. Buyer Comment (2026-03-19): Comment from XXXX (XXXX): Please use XXXX guidelines (version 4.0, XXXX update) for review - guidelines have no restrictions on layered entities. The guarantors are majority owners of the borrowing entity and all relevant entity documentation has been provided. Please clear/waive this condition. |
03/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000111273 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing. | Reviewer Comment (2026-03-21): Received, Clearing. Seller Comment (2026-03-20): Comment from XXXX (XXXX): Final 1003 |
03/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000111273 | 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). | The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX | Reviewer Comment (2026-03-25): XXXX received lender
attestation that LoanSafe fee & Credit Monitoring fee are one time at
close fee and are not life of loan. Reviewer Comment (2026-03-23): XXXX PCCD shows finance charge under disclosure in the amount of $XXXX. Cure requires PCCD, LOE, copy of refund check, re-opening of rescission and proof of delivery. Further, this is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment (2026-03-20): Comment from XXXX (XXXX): DC - Final issued XXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000111273 | 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). | The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX | Reviewer Comment (2026-03-25): XXXX received lender
attestation that LoanSafe fee & Credit Monitoring fee are one time at
close fee and are not life of loan. Reviewer Comment (2026-03-23): XXXX PCCD shows finance charge under disclosure in the amount of $XXXX. Cure requires PCCD, LOE, copy of refund check, re-opening of rescission and proof of delivery. Further, this is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment (2026-03-20): Comment from XXXX (XXXX): Final CD issued XXXX |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000111672 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-20): Clearing based on review
coming back within tolerances. |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000115652 | 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 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 (2026-03-20): Accepted as is. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000115652 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Missing Subordinate HELOC agreement with US Bank. | Reviewer Comment (2026-03-23): Received, Clearing. Seller Comment (2026-03-23): Comment from XXXX (XXXX): It was included in the package page 158. Attached again. |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116912 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-04-02): Received, Clearing. Seller Comment (2026-04-02): Comment from XXXX (XXXX): CDA Reviewer Comment (2026-03-23): CDA and Appraisal are required to have the same effective date. Exception remains. Buyer Comment (2026-03-23): Comment from XXXX (XXXX): we have a CDA in the file so do not have to have to have the same effective Date. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Rate/Term | C | A | A | A | C | A | N/A | No | |||||||||||||||
| XXXXX | 4000117895 | 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 | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117895 | 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 (2026-03-20): Accepted as is. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117895 | 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 (2026-03-20): Accepted as is. |
03/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120350 | 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 (2026-03-21): Accepted as is. |
03/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000120350 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Hazard Insurance Policy Effective Date XXXX; Disbursement Date: XXXX; Note Date: XXXX; Transaction Date:XXXX | Reviewer Comment (2026-04-15): Per correspondence, there
were no claims on the insurance policy from the note date to the hazard
effective date, cleared Seller Comment (2026-04-15): Comment from XXXX (XXXX): AGENT NO CLAIMS LETTER, UNABLE TO BACK DATE HOI DECK PAGE |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000120350 | 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). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-21): Accepted as is. |
03/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000115533 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-21): LOA of no claims or damage
received. Seller Comment (2026-03-20): Comment from XXXX (XXXX): Thanks. No claims all policies per state farm for this property Reviewer Comment (2026-03-20): Wet states are based on the note date. Without coverage from note date an LOE from the insurer of no claims or damage can be provided. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): Hello, could you please escalate or kindly provide reference for this condition. The loan was not disbursed until XXXX. Its is common practice for hazard and flood to be effective once the loan proceeds and fees are disbursed. The doc date may be before the loan legally transfers ownership and the loan is actually settled with all parties having the actual funds. Thank you |
03/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000115533 | 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: ___ | Hazard Policy (D0286) in file reflects effective date XXXX. The Note date is 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 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-21): LOA of no claims or damage
received. Seller Comment (2026-03-20): Comment from XXXX (XXXX): Thanks Reviewer Comment (2026-03-20): Wet states are based on the note date. Without coverage from note date an LOE from the insurer of no claims or damage can be provided. Buyer Comment (2026-03-20): Comment from XXXX (XXXX): Hello, can you please provide reference for this condition? things can still happen between closing and disbursement that cause the loan to be cancelled. Its is an industry wide accepted practice that insurance policies be effective on or before the disbursement date not the doc date |
03/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000115533 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Approved Status is for Contract shows Buyer's agents and Seller's agents work under the same broker and indicates one agent is a supervisor of another. Scenario desk indicate XXXX will view this as Non arms lengths transaction. Comp Factors FICO 740, 12 months reserves. | 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-20): Client elects to
waive/regrade with compensating factors. |
03/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000121213 | 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 policy amount is blank. | Reviewer Comment (2026-03-20): Accepted as is. |
03/20/2026 | 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 | 4000120568 | 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 (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000114539 | 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 (2026-03-20): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114539 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Both Initial and Final 1003 in Section 5 Declaration question A. reflect the subject will be occupied as a primary. | Reviewer Comment (2026-03-31): Received, Clearing. Seller Comment (2026-03-31): Comment from XXXX (XXXX): see attached |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114539 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Both Initial and Final 1003 in Section 5 Declaration question A. reflect the subject will be occupied as a primary. | Reviewer Comment (2026-03-31): Received, Clearing. |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000115022 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing disclosure is missing in file. | Reviewer Comment (2026-04-08): XXXX received Letter of
explanation and Corrected Closing disclosure. Seller Comment (2026-04-07): Comment from XXXX (XXXX): uploaded PCCD (reflects seller paid fees) and LOE sent to borrower. Both sent XXXX. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000115022 | 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. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-08): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Uploaded LOE and LE |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | 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 | 4000115022 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-04-09): Updated HOI Policy
provided. Cleared. Seller Comment (2026-04-09): Comment from XXXX (XXXX): uploaded HOI policy |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118477 | 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. | 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 (2026-03-23): Accepted as is. |
03/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118477 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (Interim/XXXX) | Reviewer Comment (2026-04-06): XXXX received LOA and
disclosures summary evidencing the LE was sent on XXXX and XXXX issue date is
data entry. Seller Comment (2026-04-03): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-04-03): XXXX received LOE, however we require disclosure summary/LOS snip to verify the LE was generated on XXXX and not on XXXX. Please provide supporting document to validate the reason provided on LOX. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Hello, please see attached Reviewer Comment (2026-03-31): XXXX received LOX for rebuttal comment. However, LE dated XXXX submitted in the loan file and signed by borrower on XXXX. Any LE/CD signed by borrowers must be included in testing, as they were disclosed to borrower and cannot be omitted from testing. XXXX would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the clerical/bona fide error that occurred with an explanation of how it occurred and why the XXXX LE was submitted in the loan file. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Hello, please see attached |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate Document is not signed. | Reviewer Comment (2026-05-05): Executed BPC provided. Seller Comment (2026-05-05): Comment from XXXX (XXXX): a Reviewer Comment (2026-05-03): Business Purpose Certificate is required for Refinance of Investment Property. Exception remains. Seller Comment (2026-05-03): Comment from XXXX (XXXX): a Reviewer Comment (2026-04-23): Business Purpose Certificate is not uploaded. Exception remains. Seller Comment (2026-04-23): Comment from XXXX (XXXX): a |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) not provided in file. | Reviewer Comment (2026-04-18): Received, Clearing. Seller Comment (2026-04-17): Comment from XXXX (XXXX): a Reviewer Comment (2026-04-16): Required Employer Identification Number (EIN). Exception remains. Seller Comment (2026-04-16): Comment from XXXX (XXXX): a |
04/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement not signed. | Reviewer Comment (2026-03-26): Received Guarantor
Agreement. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Verified Note Document not signed. | Reviewer Comment (2026-03-26): Received Signed Note.
Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment not signed. | Reviewer Comment (2026-03-26): Received Signed Note
Addendum - Prepayment Penalty. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate not signed. | Reviewer Comment (2026-03-26): Received Occupancy
Certificate. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Rider - 1-4 Family not signed. | Reviewer Comment (2026-03-26): Received Signed Rider - 1-4
Family. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Rider - MERS not provided | Rider - MERS not signed. | Reviewer Comment (2026-03-26): Received Signed Rider -
MERS. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Rider - Prepayment not signed. | Reviewer Comment (2026-03-26): Received Prepayment rider.
Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Rider - PUD not signed. | Reviewer Comment (2026-03-26): Received Rider - PUD.
Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument not signed. | Reviewer Comment (2026-03-26): Received Security
Instrument - Subject Lien. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): a |
03/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | Spousal Consent form is missing. | Reviewer Comment (2026-04-23): Received Spousal Consent
Form. Exception cleared. Seller Comment (2026-04-23): Comment from XXXX (XXXX): a |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-04-16): Received Operating
Agreement. Exception cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): a |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-05-03): Received Operating
Agreement. Exception cleared. Seller Comment (2026-05-03): Comment from XXXX (XXXX): a |
05/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000118786 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | Reviewer Comment (2026-04-21): Received signed Security
Instrument Exception Cleared. Seller Comment (2026-04-21): Comment from XXXX (XXXX): a |
04/21/2026 | No | 1 | A | A | A | A | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000118809 | 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 (2026-04-16): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-25): Received Employer Identification Number (EIN) document But EIN number is missing. Seller Comment (2026-03-25): Comment from XXXX (XXXX): a |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118809 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is doing 7 no cash out refinances at one time under the DSCR program. Each property is a 4-unit. All will close in the name of the LLC. The 7th property would put the total of all loans over $XXXX mm by approximately $XXXX. Each loan is for approximately the same amount. Lender exception provided was not executed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-17): Client exception
received. Seller Comment (2026-04-17): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-25): Client exception approval not received Seller Comment (2026-03-25): Comment from XXXX (XXXX): a |
04/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000118809 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Property is tenant occupied and Lease Agreements not provided. | Reviewer Comment (2026-04-17): Received Lease Agreements.
Exception cleared. Seller Comment (2026-04-17): Comment from XXXX (XXXX): a Reviewer Comment (2026-04-16): Lease Agreement not received. Exception remains. Seller Comment (2026-04-16): Comment from XXXX (XXXX): a Reviewer Comment (2026-03-25): Lease agreement not received, exception remains Seller Comment (2026-03-25): Comment from XXXX (XXXX): a |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118809 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-03-25): Received Operating
Agreement. Exception cleared. Seller Comment (2026-03-25): Comment from XXXX (XXXX): a |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000119851 | 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 (2026-03-24): Accepted as is. |
03/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000120874 | 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). Unable to determine if appropriate coverage is 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 | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000117398 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-30): Clearing based on review
coming back within tolerances. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120937 | 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 (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119677 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-30): Clearing based on review
coming back within tolerances. |
03/30/2026 | 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 | 4000120362 | 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 (2026-03-25): Accepted as is. |
03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000118943 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-03-26): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Please see attached |
03/26/2026 | 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 | 4000118943 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-04-02): Officers certificate
acceptable per guidelines Reviewer Comment (2026-03-27): Operating agreement or equivalent is required to verify percentage of ownership, provide Corporate resolution, Officer cert to verify percentage of ownership Seller Comment (2026-03-27): Comment from XXXX (XXXX): Please see below XXXX Funding Manager response:An Operating Agreement is not required in the state of XXXX. When it is not required by the state, an officers certificate is acceptable Reviewer Comment (2026-03-26): The Operating agreement was not provided, Exception remains Seller Comment (2026-03-26): Comment from XXXX (XXXX): please see attached |
04/02/2026 | 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 | 4000115560 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Reviewer Comment (2026-03-26): RCE provided. Cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): RCE attached |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000115560 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Updated exception request - LTV increased to XXXX%, request to exclude REO, XXXX owned by borrowers' mother, however borrower was added to title for estate purpose only - evidence of tax and insurance payment not obtained as borrower claims is also noted as account holder on mothers checking account | 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. |
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 | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||
| XXXXX | 4000121392 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-03-30): Clearing based on review
coming back within tolerances. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000121392 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing. | Reviewer Comment (2026-04-29): HOI Provided. Cleared. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Confirmation of Policy Premium Reviewer Comment (2026-04-27): Provided Document is Dated after the Post Closing please provide Complete Hazard Insurance Document prior to closing. Exception remains. Seller Comment (2026-04-27): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-04-14): Received document does not reflect hazard insurance premium amount. Please provide document to verify hazard insurance premium for the property XXXX. Exception remains. Seller Comment (2026-04-14): Comment from XXXX (XXXX): REO HOI for XXXX Reviewer Comment (2026-04-06): The documentation received is not for this address Seller Comment (2026-04-06): Comment from XXXX (XXXX): REO HOI |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119515 | 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. | 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 (2026-03-26): Accepted as is. |
03/26/2026 | 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 | 4000119515 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | The initial and final 1003 reflect in the Declarations as the borrower intends to occupy as the primary residence. | Reviewer Comment (2026-03-30): Received, Clearing. Seller Comment (2026-03-28): Comment from XXXX (XXXX): 1003 |
03/30/2026 | 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 | 4000119515 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Occupancy: Second Home; Declarations/Will borrower occupy: Yes | Reviewer Comment (2026-03-30): Received, Clearing. Seller Comment (2026-03-28): Comment from XXXX (XXXX): 1003 |
03/30/2026 | 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 | 4000122754 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing. | Reviewer Comment (2026-03-30): Received Final 1003.
Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Please see uploaded final application. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122134 | 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 (2026-03-27): Received Certificate of
Good Standing. Exception cleared. Seller Comment (2026-03-26): Comment from XXXX (XXXX): Certificate of Legal Existence is the same as a cert of good standing in CT |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121396 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Please provide final HUD/CD for the sale of Real Estate Property. | Reviewer Comment (2026-03-31): Received, Clearing. Seller Comment (2026-03-31): Comment from XXXX (XXXX): XXXX: Please see attached. |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000120384 | 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 (2026-03-26): Accepted as is. |
03/26/2026 | 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 | 6000114132 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment (2026-02-26): Received fraud report
summary. Exception cleared. Buyer Comment (2026-02-24): fraud summary |
02/26/2026 | 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 | Exempt from ATR | No | |||||||||||
| XXXXX | 6000114132 | 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 (2026-03-02): CDFI lender testing ATR |
03/02/2026 | No | 2 | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000114065 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 1003 Initial - Lender's is missing | Reviewer Comment (2026-02-25): Received Initial
Application. Exception Cleared. Buyer Comment (2026-02-23): Please see attached |
02/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | B | A | A | A | B | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXX | 6000114123 | 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 (2026-03-02): CDFI lender testing ATR |
03/02/2026 | No | 2 | A | A | A | A | A | FL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000114054 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is currently living rent free with someone other than a spouse and file is missing underwriter discretion as required by guidelines. | Reviewer Comment (2026-02-27): Received 1008 with UW
discretion. Buyer Comment (2026-02-25): Please see final 1008 with rent free comments. Thank you. |
02/27/2026 | 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 | Exempt from ATR | No | |||||||||||
| XXXXX | 6000114054 | 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 HOA/Condo Questionnaire. 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. COC in file does not indicate why the fee increased. | Reviewer Comment (2026-02-27): XXXX Letter of Explanation,
Proof of Delivery, Copy of Refund Check, and Corrected CD Buyer Comment (2026-02-26): Please see attached Refund Documents |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | Exempt from ATR | No | |||||||||
| XXXXX | 6000114054 | 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 (2026-03-02): CDFI lender testing ATR |
03/02/2026 | No | 2 | A | A | A | A | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000114147 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA and verbal verification with the CPA is required prior to closing. | Reviewer Comment (2026-03-05): VVOE with CPA received in
trailing docs. Buyer Comment (2026-03-03): VVOE Reviewer Comment (2026-03-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: CPA Letter, VVOE with CPA Reviewer Comment (2026-03-02): Received CPA letter. File is still missing the required VVOE with the CPA prior to consummation. Reviewer Comment (2026-02-27): Required CPA letter with document date and A Verbal verification with the CPA is required prior to closing as per guideline page number XXXX. provided CPA letter doesn't reflect document date in it. Exception remains. Buyer Comment (2026-02-25): cpa letter |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000114147 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing verification of Taxes and Insurance. | Reviewer Comment (2026-03-04): Received Property History
Report, exception cleared, Reviewer Comment (2026-03-04): Require Final Closing statement of SOLD REO property "XXXX" to clear the exception. Exception Remains. Buyer Comment (2026-03-02): revised 1003 Buyer Comment (2026-03-02): 1008 Reviewer Comment (2026-02-27): PITIA for the REO property at XXXX has been included in the DTI calculation on the 1008. Please provide the updated 1008 and the final 1003. The exception remains. Buyer Comment (2026-02-25): Property was sold XXXX |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000114147 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA and verbal verification with the CPA is required prior to closing. | Reviewer Comment (2026-03-05): VVOE with CPA and updated
1003 removing REO on Stirling received in trailing docs. Buyer Comment (2026-03-03): see attached VVOE |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000114147 | 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 TX Guaranty 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 TX Guaranty Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-26): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-02-25): Please find the attached PCCD, Check, LOE. Reviewer Comment (2026-02-25): XXXX received lender rebuttal on borrower shopped. However, the Title-Title Policy TX Fee of $XXXX, AKA, TX Guaranty Fee, though is being paid to title company is a fee incurred & imposed on TX loans and remitted to XXXX and is not shoppable regardless of the title company utilized. As such, fee should be disclosed initially and is subject to 0% tolerance testing. Fee not disclosed on initial LE and added to CD. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Buyer Comment (2026-02-24): We do not need to cure fees the borrower shopped for. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | Exempt from ATR | No | |||||||||
| XXXXX | 6000114147 | 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 (2026-03-02): CDFI lender testing ATR |
03/02/2026 | No | 2 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000114147 | 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. | Due to missing VVOE with CPA prior to consummation, along with proof of taxes and insurance on REO on XXXX. If property was sold, as previously indicated, updated 1003 and 1008 required removing this REO from the liabilities is required. | Reviewer Comment (2026-03-05): VVOE with CPA and updated
1003 removing REO on Stirling received in trailing docs. |
03/05/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXX | 6000114147 | 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. | Due to missing VVOE with CPA prior to consummation, along with proof of taxes and insurance on REO on Stirling. If property was sold, as previously indicated, updated 1003 and 1008 required removing this REO from the liabilities is required. | Reviewer Comment (2026-03-05): VVOE with CPA and updated
1003 removing REO on Stirling received in trailing docs. |
03/05/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXX | 6000114147 | 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.) | Due to missing VVOE with CPA prior to consummation, along with proof of taxes and insurance on REO on Stirling. If property was sold, as previously indicated, updated 1003 and 1008 required removing this REO from the liabilities is required. | Reviewer Comment (2026-03-05): VVOE with CPA and updated
1003 removing REO on Stirling received in trailing docs. |
03/05/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXX | 6000112135 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Property is zoned Agricultural/Residential. Properties zoned Agricultural are ineligible. | 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 (2026-01-30): Waived with compensating
factors per lender exception approval. Buyer Comment (2026-01-29): exception |
01/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000112135 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide the appraisal invoice for the transferred appraisal. | Reviewer Comment (2026-01-30): Invoice. Buyer Comment (2026-01-28): invoice |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121041 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The file is missing a copy of HUD/CD document. | Reviewer Comment (2026-05-08): Received, Clearing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): No CD as this is a DSCR loan so attached is the ALTA. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119326 | 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 (2026-03-27): Accepted as is. |
03/27/2026 | 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 | 4000119326 | 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. No cure provided. | Reviewer Comment (2026-04-02): XXXX Received Corrected
PCCD and LOE along with true and certified closing statement. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Uploading LOE Reviewer Comment (2026-03-31): XXXX received PCCCD, however we also require LOE which accompanied the PCCD to finalize. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Uploading you the Final Settlement Statement and PCCD showing actual fees and refund back to borrower |
04/02/2026 | 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 | 4000119326 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent Resident Card is missing. | Reviewer Comment (2026-03-28): Received, Clearing. Seller Comment (2026-03-27): Comment from XXXX (XXXX): Uploading copy of Green Card |
03/28/2026 | 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 | 4000112816 | 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. | Federal Flood Disclosure Timing | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Second Home | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000112816 | 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 Verification Of Employment 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 at closing. | Reviewer Comment (2026-04-08): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Seller Comment (2026-04-07): Comment from XXXX (XXXX): cure docs |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000119608 | 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 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 at $XXXX. | Reviewer Comment (2026-04-10): HOI Docs provided.
Cleared. Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-04-08): Please provide master policy. Exception remains. Seller Comment (2026-04-08): Comment from XXXX (XXXX): Please see attached. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119608 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120278 | 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. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-03-30): Client elects to waive |
03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120278 | 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 | NV | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120278 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Utilizing asset value after margin account has been reduced. Margin line is secured by the XXXX #XXXX that is used for cash to close. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-30): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
03/30/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000121186 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of Employment is dated XXXX. The Note date is XXXX. | Reviewer Comment (2026-03-30): Received, cleared Seller Comment (2026-03-30): Comment from XXXX (XXXX): verbal attached |
03/30/2026 | 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 | 4000121186 | 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. | Origination Loan Designation of Non QM updated guidelines. | Reviewer Comment (2026-03-30): VVOE received |
03/30/2026 | 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 | 4000121186 | 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 more than 10 days of the Note date. | Reviewer Comment (2026-03-30): VVOE received |
03/30/2026 | 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 | 4000118652 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-02): Received, Clearing. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Fraud report |
04/02/2026 | 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 | 4000120997 | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-04-02): Accepted as is. |
04/02/2026 | 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 | 4000120997 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | As per guideline, Maximum payment shock of XXXX%. | 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-07): Client exception
received. Seller Comment (2026-04-06): Comment from Post Closing (XXXX): See attached Reviewer Comment (2026-04-03): Exception requests need to go to the buyers portal for review. Seller Comment (2026-04-03): Comment from Post Closing (XXXX): See attached |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000120997 | 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). | Verified no COC or cure was provided to Borrower | Reviewer Comment (2026-04-08): Received LOE with fee
purpose. Seller Comment (2026-04-07): Comment from Post Closing (XXXX): See attached Reviewer Comment (2026-04-06): In reviewing lender's compliance report, it appears the difference is in the fee in Section H named TC Fee with a TBD payee for $XXXX. Unable to determine what this fee is or who paid to. Please provide a lender's attestation giving the specific services & purpose and who paid to in order to determine if a finance charge. Buyer Comment (2026-04-03): Comment from Post Closing (XXXX): Hi team, How was the calculated amount financed of $XXXX derived? |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120997 | 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). | Verified no COC or cure was provided to Borrower | Reviewer Comment (2026-04-08): Received LOE with fee
purpose. Seller Comment (2026-04-07): Comment from Post Closing (XXXX): See attached Reviewer Comment (2026-04-06): In reviewing lender's compliance report, it appears the difference is in the fee in Section H named TC Fee with a TBD payee for $XXXX. Unable to determine what this fee is or who paid to. Please provide a lender's attestation giving the specific services & purpose and who paid to in order to determine if a finance charge. Buyer Comment (2026-04-03): Comment from Post Closing (XXXX): Hi team, How was the calculated Finance Charge of $XXXX derived? Is it the actual finance charge? |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000121974 | 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 | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000121974 | 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 borrower was not provided. | Reviewer Comment (2026-03-30): Accepted as is per
client |
03/30/2026 | 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 | 4000121974 | 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 borrower was not provided. | Reviewer Comment (2026-03-30): Accepted as is per
client |
03/30/2026 | 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 | 4000121974 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Missing Trust Agreement required for Trust Funds used to qualify. A/C #XXXX | Reviewer Comment (2026-04-08): Received Trust Agreement.
Exception cleared. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Trust Documents attached. Reviewer Comment (2026-04-07): A copy of the trust is required for the use of trust funds. An exception from the buyer of the loan or the copy of the trust is needed. Seller Comment (2026-04-06): Comment from XXXX (XXXX): Letter from attorney confirming authorization of use of funds. Reviewer Comment (2026-04-03): Trust Agreement is required for Trust funds being used to qualify. XXXX account ending in #XXXX. Exception remains. Seller Comment (2026-04-02): Comment from XXXX (XXXX): Please note the funds in the account referenced on the condition were not used for this transaction. Only accounts used and indicated in the 1003 are the XXXX account ending in #XXXX and account ending in #XXXX. |
04/08/2026 | 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 | 4000118224 | 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. | Sufficient cure is provided. | Reviewer Comment (2026-03-30): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118779 | 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 (2026-03-31): Accepted as is. |
03/31/2026 | 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 | 4000118779 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-03-31): Received Fraud Report.
Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Fraud Report |
03/31/2026 | 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 | 4000118779 | 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 (2026-04-14): XXXX received COC and rate
lock document Seller Comment (2026-04-12): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-04-07): XXXX On Initial LE lender credit disclosed as $XXXX and later changed to $XXXX on Initial CD. The decreased in lender credit on CD dated XXXX is not proportionate to decrease in loan amount and baseline for lender credit remains at $XXXX. Provide additional information to support a pricing change for the lender credit decrease or cure $XXXX would be due. Cure consists of PCCD, LOE, Refund Check and Proof of Mailing. Buyer Comment (2026-04-06): Comment from XXXX (XXXX): Can you clarify what you need. We gave the borrower more lender credit. Are you requesting that we refund the borrower for giving them more lender credit? Reviewer Comment (2026-04-02): XXXX received rebuttal comment and as per COC in file dated XXXX the reason for change is loan amount change. However, If the lender credit decreases by the same percentage as the loan amount decrease, then the change in lender credit is considered directly tied to the loan amount reduction, and no other loan terms are affected. However, if the lender credit changes by a different percentage whether higher or lower then the reduction cannot be attributed solely to the change in loan amount. In such cases, additional factors (such as a program change or fee adjustments) must be identified to confirm that the borrower was properly informed and that all applicable disclosure requirements and timelines were met, or to determine whether a cure is owed. Seller Comment (2026-03-31): Comment from XXXX (XXXX): Here is the COC CD where it disclosed the Lender credit went from XXXX to XXXX BUT also is the final cd where the borrower was given a lender credit they closed with was XXXX which is more that we had disclosed and in borrowers favor |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120202 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | 12 months PITIA for departure residence pending sale + 9 months PITIA for subject. | Reviewer Comment (2026-04-21): Additional assets
provided Reviewer Comment (2026-04-21): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Seller Comment (2026-04-21): Comment from XXXX (XXXX): assets Reviewer Comment (2026-04-16): Calculated cash to close is $XXXX (Cash to close $XXXX+EMD $XXXX). Verified assets - XXXX Money Markets XXXX $XXXX, XXXX XXXX $XXXX, XXXX XXXX $XXXX, XXXX Savings XXXX $XXXX, XXXX Checking XXXX $XXXX, XXXX Savings XXXX $XXXX, EMD $XXXX. Total Assets $XXXX - Calculated Cash to Close $XXXX = $XXXX remaining for reserves. Reserve Requirement is $XXXX. ($XXXX x 12 months) = XXXX departing + (XXXX x 9 months) = XXXX subject Reviewer Comment (2026-04-16): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Seller Comment (2026-04-16): Comment from XXXX (XXXX): We would like to see a breakdown on what is needed. ($XXXX). Here is what we have documented without using the new XXXX XXXX account: Funds needed to document: Funds needed to close - $XXXX - this is what the CD shows and what the borrowers brought in Reserves required - $XXXX Total - $XXXX Documented funds: XXXX XXXX - $XXXX XXXX - $XXXX XXXX XXXX - $XXXX XXXX XXXX - $XXXX Total - $ XXXX Reviewer Comment (2026-04-13): Sufficient reserves not provided. Exception remains. Buyer Comment (2026-04-13): Comment from XXXX (XXXX): The funds needed to close is still incorrect. It was $XXXX (see the CD and the final closing statement). The original amount that was being included commission that the buyers did not pay. Reviewer Comment (2026-04-10): The statement for XXXX provided is dated post close on XXXX Provide statement dated prior to closing. Seller Comment (2026-04-10): Comment from XXXX (XXXX): eTrade Reviewer Comment (2026-04-09): E-Trade acct #8208 statement ending 12/31/25 provided reflects a balance of $5,625.15. Exception remains. Buyer Comment (2026-04-09): Comment from XXXX (XXXX): Funds needed to document: Funds needed to close - $ XXXX Reserves - $ XXXX - Calculation: (9mo PITIA for XXXX: $XXXXx9=$XXXX + 12 mo PITIA for departing: $XXXXx12=$XXXX) Total - $XXXX Documented funds: XXXX XXXX - $XXXX XXXX - $XXXX XXXX XXXX - $XXXX XXXX XXXX - $XXXX XXXX XXXX - $XXXX Total - $ XXXX Reviewer Comment (2026-04-07): Insufficient assets provided. Exception remains. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Assets Reviewer Comment (2026-04-06): Please provide updated bank statement for account ending XXXX. The statement on file is over 1 year old Seller Comment (2026-04-06): Comment from XXXX (XXXX): incorrectly backed out a large deposit that didn't need to be and didn't use an updated balance for one of the assets. attached are the accurate assets balances |
04/21/2026 | 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 | 4000120202 | 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 (2026-04-21): Additional assets
provided Seller Comment (2026-04-21): Comment from XXXX (XXXX): assets |
04/21/2026 | 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 | 4000120202 | 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 (2026-04-21): Additional assets
provided Seller Comment (2026-04-21): Comment from XXXX (XXXX): assets |
04/21/2026 | 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 | 4000119726 | 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 (2026-03-31): 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 | 4000119726 | 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 (2026-03-31): 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 | 4000120904 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-03): Clearing based on review
coming back within tolerances. |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000120904 | 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 (3) business days of application or determination of first lien status. | 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 | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000120904 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds for account statement ending in #XXXX. | Reviewer Comment (2026-03-31): Received document
confirming borrower's ownership in the business XXXX. Exception cleared. Seller Comment (2026-03-31): Comment from XXXX (XXXX): INNOVATIVE INVESTMENTS IS OWNED BY BORROWER XXXX |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000120904 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | CLTV of 80% exceeds XXXX of XXXX%. | Reviewer Comment (2026-04-02): Clearing based on the
updated program. Seller Comment (2026-04-02): Comment from XXXX (XXXX): rate lock updated Reviewer Comment (2026-04-01): Please provide updated Rate Lock from Buyer of the loan updating the program type. Exception remains. Buyer Comment (2026-04-01): Comment from XXXX (XXXX): LOAN PROGRAM HAS BEEN UPDATED, LTV IS WITHIN GUIDELINES. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000120904 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | LTV of 80% exceeds XXXX of XXXX%. | Reviewer Comment (2026-04-02): Clearing based on the
updated program. Seller Comment (2026-04-02): Comment from XXXX (XXXX): rate lock Reviewer Comment (2026-04-01): Please provide updated Rate Lock from Buyer of the loan updated program type. Exception remains. Buyer Comment (2026-04-01): Comment from XXXX (XXXX): LOAN PROGRAM HAS BEEN UPDATED, LTV IS WITHIN GUIDELINES. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000120339 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. | Reviewer Comment (2026-04-06): Cleared with updated hazard
policy Seller Comment (2026-04-06): Comment from XXXX (XXXX): see attached renewal |
04/06/2026 | 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 | 4000116664 | XXXXX | XXXXX | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-04-23): Received, Clearing. Seller Comment (2026-04-23): Comment from Purchasing Team (XXXX): Updated title policy |
04/23/2026 | 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 | 4000116664 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Provide additional assets to meet the cash to close/reserve requirement | Reviewer Comment (2026-04-21): Updated Statements
provided. Cleared. Seller Comment (2026-04-21): Comment from Purchasing Team (XXXX): Please see additional assets from AccountChek. Reviewer Comment (2026-04-13): Verified assets - XXXX XXXX $XXXX, XXXX $XXXX - $XXXX XXXX balance = $XXXX, EMD $XXXX, Gift Funds $XXXX Total verified assets $XXXX. Calculated cash to close is $XXXX (Cash to close $XXXX + EMD $XXXX, Gift $XXXX) $XXXX - $XXXX = $-XXXX shortage. Seller Comment (2026-04-13): Comment from Purchasing Team (XXXX): Please see gift funds and closing disclosure showing borrower had enough assets. |
04/21/2026 | 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 | 4000116664 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Provide additional assets to meet the cash to close/reserve requirement | Reviewer Comment (2026-04-21): Updated Statements
provided. Cleared. |
04/21/2026 | 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 | 4000116664 | 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 (2026-04-21): Updated Statements
provided. Cleared. |
04/21/2026 | 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 | 4000116664 | 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. | Provide additional assets to meet the cash to close/reserve requirement | Reviewer Comment (2026-04-21): Updated Statements
provided. Cleared. |
04/21/2026 | 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 | 4000116664 | 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). | No cure was provided. | Reviewer Comment (2026-05-13): XXXX received Specific
Letter of Explanation, & in lieu of PCCD Proof of Delivery,& Refund
check Seller Comment (2026-05-12): Comment from Purchasing Team (XXXX): Verification of refund to borrower. Reviewer Comment (2026-04-24): XXXX received rebuttal on calculations. The Final CD disclosed Finance Charge at $XXXX which was underdisclosed over threshold by $XXXX. XXXX calculated Finance Charge as $XXXX. In reviewing lender's compliance report, it appears lender did not include the Title-Archive Fee $XXXX, Title-Loan Tie In fee $XXXX and the Title-E-Title fee of $XXXX in their calculations. Finance Charge was underdisclosed over threshold which requires cure to borrower for the total underdisclosure of $XXXX. Provide Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing to cure. Buyer Comment (2026-04-23): Comment from Purchasing Team (XXXX): Will you please review these figures again? The XXXX signed CD has Amount Financed charge of $XXXX and the XXXX PCCD has Amount Financed charge of $XXXX which is only over disclosed by $XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116664 | 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). | No cure was provided. | Reviewer Comment (2026-05-13): XXXX received Specific
Letter of Explanation, & in lieu of PCCD Proof of Delivery,& Refund
check Seller Comment (2026-05-12): Comment from Purchasing Team (XXXX): Verification of refund to borrower. Reviewer Comment (2026-04-24): XXXX received rebuttal on calculations. The Final CD disclosed Finance Charge at $XXXX which was underdisclosed over threshold by $XXXX XXXX calculated Finance Charge as $XXXX. In reviewing lender's compliance report, it appears lender did not include the Title-Archive Fee $XXXX, Title-Loan Tie In fee $XXXX and the Title-E-Title fee of $XXXX in their calculations. Finance Charge was underdisclosed over threshold which requires cure to borrower for the total underdisclosure of $XXXX. Provide Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing to cure. Buyer Comment (2026-04-23): Comment from Purchasing Team (XXXX): Will you please review these figures again? The XXXX signed CD has Finance Charge of $XXXX and the XXXX PCCD has Finance Charge of $XXXX which is only under disclosed by $XXXX |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000116664 | 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 (2026-03-31): Accepted as is. |
03/31/2026 | 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 | 4000118326 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to waive the appraisal on the departing residence, Current primary closing on XXXX. Comp Factors:FICO 725, 0 x30x36. | 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. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-01): Client elects to
waive/regrade with compensating factors. |
04/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000118326 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to allow 6 months reserves versus 12 months. Comp Factors FICO 725, LTV 80% | 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. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-01): Client elects to
waive/regrade with compensating factors. |
04/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000121036 | 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 (2026-04-06): Received CDA. Exception
cleared. Seller Comment (2026-04-06): Comment from XXXX (XXXX): secondary valuation |
04/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Investment | Purchase | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000121036 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Signature blocks in the note are missing the business entity borrower signatures by the individuals as members of the business. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-08): Client elects to waive
based on he security instrument was executed in both capacities and the name
line up with the OA. |
04/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Purchase | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||
| XXXXX | 4000120479 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | The file was missing a copy of Rider - Prepayment | Reviewer Comment (2026-04-08): Received Prepayment Rider.
Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): Prepayment Rider Reviewer Comment (2026-04-07): Provided Note Addendum - Prepayment Penalty required Rider - Prepayment. Exception remains. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Prepayment Rider |
04/08/2026 | 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 | 4000119496 | 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 (2026-04-01): 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 | 4000119496 | 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 (2026-04-01): 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 | 4000113892 | 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 (2026-04-01): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000113892 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Gift Funds Donor Check is missing for the gift of $XXXX | Reviewer Comment (2026-04-06): Excluded from assets.
Cleared. Buyer Comment (2026-04-06): Comment from XXXX (XXXX): Those funds were not received as they weren't needed. Please refer back to the previous documents uploaded. Reviewer Comment (2026-04-03): Provide Donor Check for the gift of $XXXX. Exception remains. Seller Comment (2026-04-03): Comment from XXXX (XXXX): See attached Gift wire and Email from title and the final CD |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000113892 | 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 (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000113892 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided | Waiver of Borrower Rights Rider is missing from the file | Reviewer Comment (2026-05-12): Corrected Security
Instrument provided. Cleared. Seller Comment (2026-05-12): Comment from XXXX (XXXX): See attached revised mortgage Reviewer Comment (2026-04-21): The waiver rider is checked on the security instrument; the Rider is required. Exception remains. Seller Comment (2026-04-21): Comment from XXXX (XXXX): See attached - Per Closing agent the rider is no longer required in GA. Reviewer Comment (2026-04-06): Required Acknowledgment and Waiver of Borrower's Rights as per Security Instrument document. Exception remains. Seller Comment (2026-04-06): Comment from XXXX (XXXX): See attached from the closing attorney. Rider isn't required anymore Reviewer Comment (2026-04-03): Waiver of Borrowers Rights Rider was indicated on Security Instrument. Exception remains. Buyer Comment (2026-04-03): Comment from XXXX (XXXX): Please be more specific. What document is this a rider to? |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121700 | 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 Report does not list coverage amount. | 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 | D | B | B | B | A | A | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121700 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2026-04-02): Received UCDP report with
CU score. Exception cleared. Seller Comment (2026-04-01): Comment from XXXX (XXXX): Please see attached SSRs |
04/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | B | B | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121700 | 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 | D | B | B | B | A | A | D | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000121627 | 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 (2026-04-01): 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 | 4000121627 | 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. | 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 | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121627 | 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. | 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 | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121627 | 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 | 4000121398 | 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 | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000115269 | 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 | WA | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000109136 | 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 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing. | Reviewer Comment (2026-04-01): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109136 | 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. | Cure provided at closing. | Reviewer Comment (2026-04-01): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109136 | 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 MERS Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing. | Reviewer Comment (2026-04-01): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114133 | 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 | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000121402 | 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 | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000120771 | 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 | PA | Investment | Purchase | A | A | A | A | A | A | A | A | Non QM | N/A | No | |||||||||||||||||
| XXXXX | 4000117085 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-arms length transaction on a 2nd home purchase. Borrower is purchasing property from parent. | 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 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 (2026-04-02): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
04/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | ME | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000117941 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of gift funds in the amount of $XXXX. | Reviewer Comment (2026-04-06): Wire for $XXXX provided.
Lowered gift funds received and cleared. Buyer Comment (2026-04-06): Comment from XXXX (XXXX): Gift letter says UP TO we have never had an issue prior with our gift letters, Clear this Reviewer Comment (2026-04-02): The wire received was for $XXXX. Need wire in the amount of $XXXX as stated on the gift letter Seller Comment (2026-04-02): Comment from XXXX (XXXX): Wire |
04/06/2026 | 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 | 4000117941 | 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 | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000118465 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title policy is Preliminary or Commitment, and not a Final Title policy | Reviewer Comment (2026-04-09): Received, Clearing. |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118465 | 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. | The preliminary title policy is within IL and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-04-09): Received, Clearing. Seller Comment (2026-04-08): Comment from XXXX (XXXX): FTP |
04/09/2026 | 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 | 4000118465 | 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 (2026-04-01): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000118465 | 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 | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000120328 | 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 | MD | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118381 | 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 | NJ | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000122918 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-10): Cleared based on review
coming back within tolerances |
04/10/2026 | 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 | 4000119687 | 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 (2026-04-02): Accepted as is. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000116876 | 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 | MA | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000123922 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-04-02): Received closing disclosure
from refinance of REO Seller Comment (2026-04-02): Comment from XXXX (XXXX): I am attaching 3 signed CDs. One is the CD from the purchase transaction that reflects funds to clos $XXXX (not $XXXX). The 2nd is the Refi CD from XXXX refinance of another property. It reflects a transfer of $XXXX to XXXX Title (on page 2 of the CD). The third CD is the refinance XXXX did on another of his properties and the proceeds are the reserves for this loan. All closed or disbursed same day as the purchase closing. |
04/02/2026 | 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 | 4000123922 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-04-02): Received closing disclosure
from refinance of REO Seller Comment (2026-04-02): Comment from XXXX (XXXX): I am attaching 3 signed CDs. One is the CD from the purchase transaction that reflects funds to clos $XXXX (not $XXXX). The 2nd is the Refi CD from XXXX refinance of another property. It reflects a transfer of $XXXX to XXXX Title (on page 2 of the CD). The third CD is the refinance XXXX did on another of his properties and the proceeds are the reserves for this loan. All closed or disbursed same day as the purchase closing. |
04/02/2026 | 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 | 4000121334 | 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 (2026-04-02): Accepted as is. |
04/02/2026 | 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 | 4000121334 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-10): Cleared based on review
coming back within tolerances |
04/10/2026 | 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 | 4000119727 | 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 (2026-04-02): Accepted as is. |
04/02/2026 | 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 | 4000120578 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance amount is $XXXX. Coverage is short $XXXX. | Reviewer Comment (2026-04-09): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): Hazard Insurance |
04/09/2026 | 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 | 4000119606 | 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 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000119606 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in the loan file for living rent free is not completed. Provide completed form. | 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 |
Reviewer Comment (2026-04-03): Client exception
received. Seller Comment (2026-04-02): Comment from XXXX (XXXX): CONFIRMATION |
04/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000121352 | 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). | File Retention Fee in the amount of $XXXX was not included in the finance charge calculation at closing | Reviewer Comment (2026-04-10): XXXX received Corrected CD
& LOE to borrower. Updated fees
match final settlement statement Seller Comment (2026-04-09): Comment from XXXX (XXXX): The attached PCCD. The File Retention Fee was removed prior to disbursement Reviewer Comment (2026-04-03): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: 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/XXXX) |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000121352 | 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). | File Retention Fee in the amount of $XXXX was not included in the finance charge calculation at closing | Reviewer Comment (2026-04-10): XXXX received Corrected CD
& LOE to borrower. Updated fees
match final settlement statement Seller Comment (2026-04-09): Comment from XXXX (XXXX): The attached PCCD. The File Retention Fee was removed prior to disbursement Reviewer Comment (2026-04-03): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: 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/XXXX) |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Non QM | Yes | |||||||||
| XXXXX | 4000119732 | 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 | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000119732 | 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 (2026-04-03): 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 | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119732 | 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. | Loan Discount Points was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-07): XXXX received valid COC
document Seller Comment (2026-04-06): Comment from XXXX (XXXX): cic issued on XXXX |
04/07/2026 | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000119732 | 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 ___. | LTV rounding issue is due to the purchase price being lower than the appraised value. | 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 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 (2026-04-08): Client elects to waive with
compensating factors |
04/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000119732 | 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 rounding issue is due to the purchase price being lower than the appraised value. | 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 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 (2026-04-08): Client elects to waive |
04/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| XXXXX | 4000119732 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Qualifying income is the lower of the 12 month P&L or monthly income disclosed on the 1003. Higher income used to qualify at origination. | 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 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 (2026-04-03): Client elects to waive with
compensating factors |
04/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000122737 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-04-08): Received UCDP Submission
Summary Report. Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): XXXX: Please see the attached SSRs supporting that its been used as the secondary valuation. |
04/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000119528 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-13): Clearing based on review
coming back within tolerances. Reviewer Comment (2026-04-11): Review is still in process. Buyer Comment (2026-04-10): Comment from XXXX (XXXX): Hello I believe it has been 3-4 business days please advise. Reviewer Comment (2026-04-08): The typical turn time is 3-4 business days. Buyer Comment (2026-04-08): Comment from XXXX (XXXX): Provide ETA for this |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | D | B | C | B | D | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000119528 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-06): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-04-06): Comment from XXXX (XXXX): ECONSENT |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | D | B | C | B | D | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000119528 | 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 borrower was not provided. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | D | B | C | B | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000119528 | 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 borrower was not provided. | Reviewer Comment (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | D | B | C | B | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000119528 | 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 (2026-04-03): Accepted as is. |
04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | D | B | C | B | D | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000119528 | 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. | No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2026-04-06): Received, cleared Seller Comment (2026-04-06): Comment from XXXX (XXXX): FINAL SS |
04/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Rate/Term | D | B | C | B | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000119528 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rate and term refinance with loan amount of $XXXX with cash at close to be less than $XXXX. Lender exception approved. Comp Factors FICO 778, 100 months reserves. Twenty plus years of clean mortgage 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. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-03): Client elects to
waive/regrade with compensating factors. |
04/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | D | B | C | B | D | B | A | A | N/A | N/A | No | |||||||||
| XXXXX | 4000121853 | 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 | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120273 | 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. | Credit Report Fee increased from $XXXX to $XXXX a difference of $XXXX. A cure of $XXXX was provided. | Reviewer Comment (2026-04-03): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120273 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-13): Clearing based on review
coming back within tolerances. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120316 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-07): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-07): Comment from XXXX (XXXX): fraud uploaded |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000123370 | 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. Reviewer Comment (2026-04-15): The Enhanced Review process is sill in process. They are behind in reviews currently. Buyer Comment (2026-04-14): Comment from Post Closing (XXXX): May I have an update on the review progress? Reviewer Comment (2026-04-11): Review is still in process. Buyer Comment (2026-04-10): Comment from Post Closing (XXXX): May I ask how long the review usually takes? I noticed this condition has been pending for about a week. Reviewer Comment (2026-04-10): Additional exceptions may apply based on results of the review Buyer Comment (2026-04-09): Comment from Post Closing (XXXX): Will this condition be automatically cleared once the review is completed? Reviewer Comment (2026-04-08): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-04-07): Comment from Post Closing (XXXX): Hello, can this condition be cleared ? |
04/16/2026 | 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 | 4000122801 | 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 | UT | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121344 | 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 Reviewer Comment (2026-04-07): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-04-07): Comment from XXXX (XXXX): Please confirm what is needed to clear |
04/14/2026 | 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 | 4000121344 | 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 (2026-04-06): Accepted as is. |
04/06/2026 | 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 | 4000121344 | 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. | Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | 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 | 4000121344 | 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. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | 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 | 4000121344 | 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 of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or 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 SubPrime Loan. | Reviewer Comment (2026-04-06): Accepted as is. |
04/06/2026 | 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 | 4000121344 | 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 10% 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 (2026-04-08): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Buyer Comment (2026-04-07): Comment from XXXX (XXXX): Please list all the fees included in the ten percent tolerance test |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000121344 | 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. | Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-04-08): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000121344 | 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 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | 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 | 4000121344 | 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 of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | 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 | 4000119200 | 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 | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000118213 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-13): Clearing based on review
coming back within tolerances. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118213 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to allow for payment shock of approx. XXXX% for FTHB. 2-unit (not 3) property; will be renting out other unit, so actual payment shock will be lower. Approved with 805 FICO, 18 months reserves. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-06): Lender exception
approved |
04/06/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000118213 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing. | Reviewer Comment (2026-04-14): Received, cleared Seller Comment (2026-04-14): Comment from XXXX (XXXX): Final 1003 |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118213 | 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 (2026-04-14): Received SI Seller Comment (2026-04-14): Comment from XXXX (XXXX): DOT |
04/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118213 | 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 (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118213 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-04-14): Certificate of compliance
received Seller Comment (2026-04-14): Comment from XXXX (XXXX): Certificate of Compliance |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118213 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under 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. | Reviewer Comment (2026-04-15): XXXX received IEAD. Seller Comment (2026-04-14): Comment from XXXX (XXXX): See attached IEAD |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000118213 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed 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 Initial Escrow Account Disclosure is not in file. | Reviewer Comment (2026-04-15): XXXX received IEAD. Seller Comment (2026-04-14): Comment from XXXX (XXXX): IEAD |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000117235 | 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 for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-04-28): Cleared with updated policy
and rce Seller Comment (2026-04-28): Comment from XXXX (XXXX): attached Reviewer Comment (2026-04-20): Rent loss insurance for the subject property provided, however, the new policy excluded Replacement Cost Coverage, which is creating a Coverage Shortage of $XXXX. Seller Comment (2026-04-20): Comment from XXXX (XXXX): attached |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121782 | 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 | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121782 | 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 (2026-04-06): Accepted as is. |
04/06/2026 | 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 | 4000120621 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is Missing. | Reviewer Comment (2026-04-09): Received Credit Report.
Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): CR |
04/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000120621 | 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 (2026-04-09): Received Credit Report.
Exception cleared. |
04/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000120621 | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120621 | 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. | Asset Depletion file. | Reviewer Comment (2026-04-09): Received Credit Report.
Exception cleared. |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119110 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-17): Clearing based on review
coming back within tolerances. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000119110 | 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 Commitment Policy Amount of $XXXX i and the Note amount is $XXXX. | Reviewer Comment (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118615 | 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 (2026-04-06): Accepted as is. |
04/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118253 | 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 COC or cure was provided to Borrower for tolerance overages | Reviewer Comment (2026-04-08): XXXX received LOX for
rebuttal response with additional information for a valid Changed
circumstance. Seller Comment (2026-04-07): Comment from XXXX (XXXX): Uploaded LOE, LE, COC, and Rate Lock documents |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | 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 | Non QM | Yes | |||||||||
| XXXXX | 4000122978 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. | Reviewer Comment (2026-05-18): Received replacement cost
estimator. Exception cleared. Seller Comment (2026-05-18): Comment from XXXX (XXXX): XXXX: Please see the attached email from the insurance agent confirming the subject's replacement cost of $XXXX. Reviewer Comment (2026-04-13): Reconstruction Cost with Debris Removal is to be utiized. Exception remains Buyer Comment (2026-04-13): Comment from XXXX (XXXX): XXXX: The estimated cost to rebuild the subject is $XXXX. XXXX does not include include the fees for debris removal in the subject's estimated replacement cost. Reviewer Comment (2026-04-09): Per replacement cost estimator document reconstruction cost with debris removal is $XXXX. HOI coverage amount is $XXXX which is not covering the XXXX% of the replacement cost coverage of $XXXX. There is shortfall of $XXXX. Provide updated Insurance with sufficient coverage. Exception remains. Seller Comment (2026-04-09): Comment from XXXX (XXXX): XXXX: The HOI Dwelling coverage of $XXXX is within 80% of the subject's estimated replacement cost of $XXXX. Please see attached. |
05/18/2026 | 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 | 4000123333 | 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 (2026-04-07): Accepted as is. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121916 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-17): Clearing based on review
coming back within tolerances. |
04/17/2026 | 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 | 4000121916 | 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 (2026-04-07): Accepted as is. |
04/07/2026 | 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 | 4000121916 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing. | Reviewer Comment (2026-04-08): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): attached |
04/08/2026 | 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 | 4000121916 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing. | Reviewer Comment (2026-04-08): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): attached |
04/08/2026 | 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 | 4000120212 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Approved Status is for Documenting ownership of business- no CPA letter in file. | 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-07): Lender exception
approved |
04/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000121322 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-04-16): Additional Account
statements provided. Cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Assets Reviewer Comment (2026-04-07): CD dated XXXX reflects $XXXX from borrower plus $XXXX in POC fees. Total cash from borrower is $XXXX. Verified $XXXX. $XXXX - $XXXX = $XXXX remaining. Required reserves is $XXXX. Exception remains Reviewer Comment (2026-04-07): 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. Seller Comment (2026-04-07): Comment from XXXX (XXXX): $XXXX required to close, $XXXX verified and required reserves are 3 months of the subjects PITIA $XXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121322 | 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 | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120870 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. | Reviewer Comment (2026-04-13): Provided. Cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): e signed consent Reviewer Comment (2026-04-07): Received Borrower's Authorization. Please provide E-Sign Consent Agreement. Exception remains. Seller Comment (2026-04-07): Comment from XXXX (XXXX): borrower's authorization form uploaded |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120870 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Clearing based on review
coming back within tolerances. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000124107 | 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. Reviewer Comment (2026-04-09): Buyer ordered review. Nothing to do at this time. Seller Comment (2026-04-08): Comment from XXXX (XXXX): CDA was provided in original submission, reuploaded |
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 | 4000121639 | 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 - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121639 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | The file was missing a copy of Legal Description. | Reviewer Comment (2026-04-09): Legal provided. Cleared. Seller Comment (2026-04-09): Comment from XXXX(XXXX): XXXX Please see the attached recorded Security Instrument with the Legal Description |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121639 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-07): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
04/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000121503 | 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 | NC | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000121503 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-04-21): Received Legal Description.
Exception cleared. Seller Comment (2026-04-20): Comment from XXXX (XXXX): hello, please see attached legal description |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000121503 | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121503 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing Articles of Organization. | Reviewer Comment (2026-04-21): Received Articles of
Organization for XXXX, LLC. Exception cleared. Seller Comment (2026-04-20): Comment from XXXX (XXXX): hello, please see attached |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NC | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000121503 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Certificate of Good Standing. | Reviewer Comment (2026-04-21): Received, Clearing. Seller Comment (2026-04-20): Comment from XXXX (XXXX): hello, please see attached |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000121503 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Operating agreement. | Reviewer Comment (2026-04-21): Received, Clearing. Seller Comment (2026-04-20): Comment from XXXX (XXXX): Hello, please see attached |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000122022 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-21): Clearing based on review
coming back within tolerances. |
04/21/2026 | 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 | 4000121008 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-21): Clearing based on review
coming back within tolerances. |
04/21/2026 | 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 | 4000121008 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Borrower checked 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? was entered Yes. Borrower indicates this was checked in error, provide updated 1003. | Reviewer Comment (2026-04-09): Updated signed 1003
received Seller Comment (2026-04-09): Comment from XXXX (XXXX): Corrected 1003 |
04/09/2026 | 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 | 4000121008 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Margin accounts to be used to qualify as an acceptable source of funds. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-08): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
04/08/2026 | 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 | 4000122738 | 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 | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000122568 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122427 | 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 | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118108 | 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 | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118108 | 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 does not list coverage amount. | 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 | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000118108 | 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 (2026-04-08): Accepted as is. |
04/08/2026 | 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 | 4000118108 | 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 (2026-04-08): Accepted as is. |
04/08/2026 | 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 | 4000117059 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Equity in the departure residence must be documented with a 2055 exterior appraisal or full appraisal, as well as currently listed or signed letter of intent from Borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing on subject transaction. LOX provided does not specify sale within ninety (90) days of closing on subject transaction | Reviewer Comment (2026-04-16): Received appraisal.
Exception cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Please see attached Reviewer Comment (2026-04-15): Received the borrower's Intent to Sell LOE however, as per guidelines, a 2055 exterior appraisal or a full appraisal is required for the departure residence. Exception remains. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Here's an updated version - borrower has updated to show within 60 days of closing vs ASAP. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120564 | 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 | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000119775 | 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. Reviewer Comment (2026-04-16): We do not have a current ETA on the review. Buyer Comment (2026-04-16): Comment from XXXX (XXXX): What is the eta for review completion? Reviewer Comment (2026-04-15): Enhanced Reviews are behind but the loan is still in process. Buyer Comment (2026-04-15): Comment from XXXX (XXXX): Please advise on status of this as it has been outstanding for a week |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000119775 | 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 (2026-04-08): Accepted as is. |
04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119775 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower using asset depletion / asset qualifier per guides cannot use other sources of employment income. Pension and social security income used in conjunction with asset depletion | 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 (2026-04-08): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
04/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000117089 | 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 (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117089 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Approved Status is for Allowing the use of the Co- Borrower's income. He is employed by XXXX dba XXXX since XXXX as a salaried employee which is owned by the primary borrower's father, XXXX. He was a XXXX employee for them in both years XXXX. Lender Exception is also to allow use of XXXX in gift funds from employer XXXX (primary borrower's father). | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-09): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
04/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000122951 | 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 (2026-04-08): Accepted as is. |
04/08/2026 | 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 | 4000114088 | 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 (2026-04-09): Accepted as is. |
04/09/2026 | 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 | Non QM | No | ||||||||||
| XXXXX | 4000114088 | 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 10% 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 (2026-04-28): XXXX received Corrected
PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check
resulting in a cured the exception. Seller Comment (2026-04-27): Comment from XXXX (XXXX): proof of shipment Reviewer Comment (2026-04-24): XXXX Received Corrected PCCD, LOE, Refund Check; however, unable to verify delivery address of cure package. Provide proof of Mailing with delivery address. Seller Comment (2026-04-23): Comment from XXXX (XXXX): LOX, copy of check, and proof of shipment Reviewer Comment (2026-04-16): XXXX received corrected PCCD. However, copy of refund check and LOX to borrower and mailing label was not located in trailing documents. LOX, Proof of mailing and copy of refund check is required to borrower to complete remediation. Seller Comment (2026-04-15): Comment from XXXX (XXXX): PC CD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | 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 | 4000114088 | 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 | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122572 | 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 | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124014 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., xxxxxx) and evidence of at least 12 months of Operating History is not present in the loan file. | Missing 12-month operating history | Reviewer Comment (2026-04-09): 12 months history and XXXX
listing provided Seller Comment (2026-04-09): Comment from XXXX (XXXX): Please see uploaded evidence of 2025 and 2026 operating history. |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124014 | 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 | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000120399 | 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 | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000119574 | 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 (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119574 | 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 | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000118288 | 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 the file. | Reviewer Comment (2026-04-09): Accepted as is. |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000118288 | 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 | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000118288 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Incomplete lender exception form in the loan file for the subject property being listed for sale within the last 12 months. Provide the completed Lender Exception form. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-10): Client elects to waive with
compensating factors - Strong DSCR, Low LTV, strong reserves Seller Comment (2026-04-10): Comment from XXXX (XXXX): Please see attached. |
04/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000121110 | 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 | IA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121523 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Security Instrument reflects Prepayment Rider. Rider - Prepayment is missing. | Reviewer Comment (2026-04-30): Received Prepayment Rider.
Exception cleared. Seller Comment (2026-04-30): Comment from XXXX (XXXX): please see attached doc XXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121523 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-30): Received, Clearing. |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121523 | 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. | Title Commitment policy amount is missing. | Reviewer Comment (2026-04-30): Received, Clearing. Seller Comment (2026-04-30): Comment from XXXX (XXXX): please see attached doc XXXX |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121523 | 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 | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000114495 | 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 | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000121246 | 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 (2026-04-10): Client elects to waive |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000121246 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Renewal and Extension Rider was not found in file. | Reviewer Comment (2026-04-22): Received missing rider Seller Comment (2026-04-22): Comment from XXXX(XXXX): Mortgage all riders |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121623 | 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 | AZ | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000121658 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The file is missing a copy of the HUD/Closing Disclosure document. | Reviewer Comment (2026-04-13): Received, cleared Seller Comment (2026-04-13): Comment from XXXX (XXXX): Final HUD/Settlement Statement |
04/13/2026 | 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 | 4000121658 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXX (Dwelling + replacement cost coverage) is sufficient to cover the mortgage amount of $XXXX; however, it is insufficient to cover XXXX% of the estimated replacement cost of $ XXXX. Please provide a letter from the insurer stating the maximum insurable amount and/or a replacement cost estimator from the insurer. Coverage shortfall is $XXXX. | Reviewer Comment (2026-04-18): Received, Clearing. Seller Comment (2026-04-17): Comment from XXXX (XXXX): Updated HOI Policy |
04/18/2026 | 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 | 4000121658 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Access to funds was not provided for acct# XXXX. | Reviewer Comment (2026-04-13): Received Evidence of Access
to Funds. Exception cleared. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Articles of Organization showing XXXX as the sole member of XXXX. No access letter needed |
04/13/2026 | 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 | 4000120900 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | XXXX Check is missing for Gift Amount $ XXXX. | Reviewer Comment (2026-04-22): Wire confirmation received
confirming lower gift amount to match the updated gift letter Reviewer Comment (2026-04-17): Require Donor Check for Gift Amount $ XXXX. Exception remains. Seller Comment (2026-04-17): Comment from XXXX (XXXX): Gift Letter Reviewer Comment (2026-04-13): Require Donor Check for Gift Amount $ XXXX. Exception remains. Seller Comment (2026-04-13): Comment from XXXX (XXXX): Gift Wire |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000120900 | 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 | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000119748 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Reviewer Comment (2026-04-17): Received, Clearing. Seller Comment (2026-04-17): Comment from XXXX (XXXX): signed Reviewer Comment (2026-04-13): The updated 1003 needs to be signed by the borrower. Seller Comment (2026-04-13): Comment from XXXX (XXXX): updated 1003 |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121228 | 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 title policy coverage amount. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000119777 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement provided was not executed. | Reviewer Comment (2026-04-27): Received Operating
Agreement. Exception cleared. Seller Comment (2026-04-27): Comment from XXXX (XXXX): Signed operating agreement, this includes corp resolution |
04/27/2026 | 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 | 4000119777 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-04-30): Cleared operating
agreement Buyer Comment (2026-04-30): Comment from XXXX (XXXX): The operation agreement provided covers this. |
04/30/2026 | 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 | 4000123030 | 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 (2026-04-13): Accepted as is. |
04/13/2026 | 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 | 4000118641 | 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 for the subject property is required at least six (6) months. | Reviewer Comment (2026-05-19): Received, Clearing. Seller Comment (2026-05-18): Comment from XXXX (XXXX): see attached |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000118641 | 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 | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120953 | 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 | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120953 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Note and Security Instrument signature lines read XXXX Rental. All business docs provided list business as XXXX Rental. | Reviewer Comment (2026-05-11): Corrected docs provided.
Cleared. Seller Comment (2026-05-11): Comment from XXXX (XXXX): see attached |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000120953 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Signature lines read XXXX Rental. All business docs provided list business as XXXX Rental. | Reviewer Comment (2026-05-11): Corrected docs provided.
Cleared. Seller Comment (2026-05-11): Comment from XXXX (XXXX): see attached |
05/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123576 | 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 | 4000119313 | 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 | NJ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120382 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file is missing a copy of Fraud Report | Reviewer Comment (2026-04-14): Received Fraud Report.
Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Fraud Report |
04/14/2026 | 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 | 4000120382 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | 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%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-13): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
04/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000120382 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Reviewer Comment (2026-04-14): Received Flood Insurance
Policy. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): Flood Ins |
04/14/2026 | 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 | 4000124962 | 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 (2026-04-13): Accepted as is. |
04/13/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000124962 | 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 (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000124962 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Reviewer Comment (2026-04-15): XXXX received seller CD Seller Comment (2026-04-14): Comment from XXXX (XXXX): Seller fees aren't typically added on Final CD. Re-attaching signed Seller CD for fees |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000124962 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Income calculation matches seller however, expenses verified are higher than used at origination. Confirmed monthly expenses - P&I $ XXXX, Hazard insurance $ XXXX, Taxes $ XXXX, Investment REO negative cash flow $ XXXX, Credit Debt $ XXXX, Total $ XXXX 1008 reflects total monthly payments of $ XXXX | Reviewer Comment (2026-04-14): Received divorce decree
reflecting ex-husband is responsible for mortgage debt |
04/14/2026 | 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 | Exempt from ATR | No | |||||||||||
| XXXXX | 4000124962 | 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. | Income calculation matches seller however, expenses verified are higher than used at origination. Confirmed monthly expenses - P&I $XXXX, Hazard insurance $XXXX, Taxes $XXXX, Investment REO negative cash flow $XXXX, Credit Debt $XXXX, Total $XXXX. 1008 reflects total monthly payments of $XXXX | Reviewer Comment (2026-04-15): Received divorce decree
which reflects ex-husband is responsible for REO mortgage Buyer Comment (2026-04-15): Comment from XXXX (XXXX): Please advise if something other than divorce decree and mtg statement that cleared other conditions for DTI is needed. |
04/15/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000124962 | 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. Buyer Comment (2026-04-20): Comment from XXXX (XXXX): We were advised these conditions have a 5 day turn time. Is there an estimate on when this should clear? Reviewer Comment (2026-04-20): Buyer ordered review. Nothing to do at this time. Buyer Comment (2026-04-20): Comment from XXXX (XXXX): Please advise if anything is needed to clear |
04/20/2026 | 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 | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000124962 | 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. | Income calculation matches seller however, expenses verified are higher than used at origination. Confirmed monthly expenses - P&I $XXXX, Hazard insurance $ XXXX, Taxes $ XXXX, Investment REO negative cash flow $ XXXX, Credit Debt $ XXXX, Total $ XXXX. 1008 reflects total monthly payments of $ XXXX | Reviewer Comment (2026-04-14): Received divorce decree
reflecting ex-husband is responsible for mortgage debt Seller Comment (2026-04-14): Comment from XXXX (XXXX): property with negative cash flow is husband's responsibility per divorce decree. Decree and mortgage statement attached. |
04/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000124962 | 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 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum of XXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Income calculation matches seller however, expenses verified are higher than used at origination. Confirmed monthly expenses - P&I $XXXX, Hazard insurance $XXXX, Taxes $XXXX, Investment REO negative cash flow $XXXX, Credit Debt $XXXX, Total $XXXX. 1008 reflects total monthly payments of $XXXX | Reviewer Comment (2026-04-15): Received divorce decree
which reflects ex-husband is responsible for REO mortgage |
04/15/2026 | 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 | Exempt from ATR | No | ||||||||||
| XXXXX | 4000115569 | 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 $XXXXis less than the note amount of $XXXXbased on the Commitment in file. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000118818 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing. | Reviewer Comment (2026-04-14): Received Business Purpose
Certificate. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX XXXX): nonqm docs |
04/14/2026 | 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 | 4000118818 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum-Prepayment Document is missing. | Reviewer Comment (2026-04-14): Received Note Addendum -
Prepayment Penalty. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX XXXX): note with addendum |
04/14/2026 | 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 | Yes | ||||||||||||||
| XXXXX | 4000118818 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Document is missing. | Reviewer Comment (2026-04-14): Received Business Purpose
Certificate. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX XXXX): nonqm docs |
04/14/2026 | 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 | 4000118818 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Property contains multiple dwellings on a single lot, which does not meet buyer's overlays | Reviewer Comment (2026-04-21): Acceptable per client Reviewer Comment (2026-04-21): Per appraiser the property is legally permitted for a 2nd unit, however the 3rd unit was added at a later time. The highest and best use under the current multi-family zoning "as improved" as a conforming two unit residence Buyer Comment (2026-04-17): Comment from XXXX XXXX): where are you seeing ADU, title shows as a triplex with 3 units and appraisal is done that way as well. Reviewer Comment (2026-04-15): Per FNMA guidelines, Only one ADU is permitted on the parcel of the primary one-unit dwelling. ADUs are not permitted with a two- to four-unit dwelling. Buyer Comment (2026-04-14): Comment from XXXX XXXX): With this interpretation of the guideline below, all 2-4 units would be ineligible. I believe guides are looking for actual multiple dwellings on the same lot not a 2-4 unit property has multiple buildings. Multiple dwellings on a single lot (legal ADU(s) acceptable, follow FNMA guidelines) |
04/21/2026 | 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 | 4000122944 | 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 | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120355 | 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 | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000120355 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | Reviewer Comment (2026-04-15): 1007 Rent Comparison
Schedule is not required. Exception cleared. Seller Comment (2026-04-15): Comment from XXXX (XXXX): See attached LOX and Rents |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000120355 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-15): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-04-15): Comment from XXXX (XXXX): The HOI policy in file specifically references the policy is at replacement cost : see attached |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000123122 | 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 | Purchase | C | B | C | B | C | A | N/A | No | |||||||||||||||
| XXXXX | 4000123122 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Provided document: The Desk Review or Field Review effective date does not match the Appraisal's effective date. | Reviewer Comment (2026-04-15): Updated appraisal
received Seller Comment (2026-04-15): Comment from XXXX (XXXX): Please see corrected appraisal |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000123122 | 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 or XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | C | A | N/A | No | |||||||||||||
| XXXXX | 4000123203 | 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 borrower was not provided. | Reviewer Comment (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124279 | 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 | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123458 | 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 | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000123458 | 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): Please see attached XXXX Report as a Fraud report. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000121840 | 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 (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Refinance - Cash-out - Debt Consolidation | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000121840 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of XXXX is less than Guideline representative FICO score of XXXX. | Reviewer Comment (2026-04-22): Received, Clearing. Buyer Comment (2026-04-21): Comment from XXXX (XXXX): XXXX: Per the product matrix for DSCR that was agreed to for a 1-4 unit Cash Out refniance with a DSCR less than or equal to XXXX and a Max LTV/CLTV/HCLTV of XXXX% the Minimum FICO requirement for loan amounts less than $XXXX is XXXX. The borrowers fico meets this requirement as the LTV is below XXXX%. Reviewer Comment (2026-04-16): DSCR is XXXX. As per guidelines for Cash-Out Refinance with DSCR ≥ 0.75, minimum FICO of 700 is required. Exception remains. Buyer Comment (2026-04-16): Comment from XXXX (XXXX): The borrower is not a first time investor and the LTV is less than 60% allowing a minimum FICO of 660 on a cash out refinance. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Debt Consolidation | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121789 | 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 | RI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000396 | 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 the tolerance of $XXXX. $XXXX over the legal limit. No cure was provided. | Reviewer Comment (2026-04-14): XXXX Received Valid COC
dated XXXX. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | 2000000396 | 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 (2026-04-13): Accepted as is. |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000396 | XXXXX | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) | Right to Cancel in file (D0640) signed by Borrower reflects the Borrower can cancel no later than midnight of XXXX. | Reviewer Comment (2026-04-29): Received, Clearing. |
04/29/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||||
| XXXXX | 4000123196 | 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 (2026-04-14): 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 | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000123196 | 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 | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120441 | 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 (2026-04-14): Accepted as is. |
04/14/2026 | 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 | 4000124664 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Agricultural zoned properties (may be considered on a case-by-case basis and will require an investor exception approval, subject to an LLPA). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-04-21): Client exception
received. Seller Comment (2026-04-20): Comment from Post Closing (XXXX): See attached. |
04/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000124784 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | File is missing Borrower Signed Application | Reviewer Comment (2026-04-16): Received Final Credit
Application. Exception cleared. Seller Comment (2026-04-15): Comment from XXXX (XXXX): Please see uploaded signed application. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124190 | 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 | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000118710 | 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 | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118710 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXX (Dwelling + replacement cost coverage) is insufficient to cover the mortgage amount of $ XXXX and the appraiser did not provide an estimated cost new. Please provide a letter from the Insurer stating the maximum insurable amount. Based on the RCE value provided of $ XXXX, the coverage shortfall is $ XXXX | Reviewer Comment (2026-04-21): Received letter from
insurer indicating sufficient coverage Reviewer Comment (2026-04-16): Replacement Cost Estimator has been received; however, there remains a shortfall of $XXXX. Exception remains. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Email confirm from HOI agent for coverage and RCE |
04/21/2026 | 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 | 4000118710 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Rider - 1-4 Family is missing. | Reviewer Comment (2026-04-16): Received Rider - 1-4
Family. Exception cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Recorded Mortgage includes 1-4 Family Rider |
04/16/2026 | 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 | 4000121891 | 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 | 4000123444 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate missing in the file. | Reviewer Comment (2026-04-15): Received occupancy
affidavit Seller Comment (2026-04-15): Comment from XXXX (XXXX): Document that was uploaded reflects non-owner occupancy confirmation, please confirm what else is missing. Reviewer Comment (2026-04-15): Occupancy Certificate still not received. Exception remains. Seller Comment (2026-04-15): Comment from XXXX (XXXX): Please see uploaded occupancy certificate. |
04/15/2026 | 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 | 4000123444 | XXXXX | XXXXX | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Rate lock documentation is not in file. | Reviewer Comment (2026-04-15): Received Rate Lock.
Exception cleared. Seller Comment (2026-04-15): Comment from XXXX (XXXX): Please see uploaded lock confirmation. |
04/15/2026 | 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 | 4000120299 | 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 | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120299 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of Employment is dated XXXX. The Note date is XXXX. | Reviewer Comment (2026-04-15): VVOE provided. Cleared. Seller Comment (2026-04-15): Comment from XXXX(XXXX): VOE within 10 Days |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120299 | 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 up dated from guidelines. Verification of Employment for Borrower 2 is dated XXXX and not within 10 day of the Note date of XXXX. | Reviewer Comment (2026-04-15): VVOE provided. Cleared. |
04/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120299 | 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 for Borrower 2 is dated XXXX. The Note date is XXXX. | Reviewer Comment (2026-04-15): VVOE provided. Cleared. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000121743 | 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 | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000121743 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-04-28): Letter from insurer
reflects 100% replacement Seller Comment (2026-04-28): Comment from XXXX (XXXX): Confirmation from Insurance Agent of 100% replacement coverage. Reviewer Comment (2026-04-17): Required replacement cost estimator. Exception remains. Buyer Comment (2026-04-17): Comment from XXXX (XXXX): The policy itself states Replacement Cost Value coverage. Please look under coverage information on the EOI and re-review. Reviewer Comment (2026-04-15): File did not contain an estimated cost to replace from the 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 at $XXXX. Exception Remains. Seller Comment (2026-04-15): Comment from XXXX (XXXX): Per ins agent, full loan amount coverage. No RCE. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000121743 | 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 (2026-04-14): Accepted as is per
client. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121743 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Recently Financed Property Need CD mentioning P&I, Tax, Insurance and HOA if any | Reviewer Comment (2026-04-17): Received Closing Disclosure
confirming PITIA. Exception cleared. Seller Comment (2026-04-17): Comment from XXXX (XXXX): Apologies, loan has not closed yet. Please see initial CD and tax confirmation. Reviewer Comment (2026-04-15): Received payoff quote and hazard insurance binder. Please provide evidence of property tax payment and proof loan was paid off. Seller Comment (2026-04-15): Comment from XXXX (XXXX): Property is paid off. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121743 | 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 (2026-04-14): Accepted as is per
client. |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000118292 | 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 | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118292 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The file was missing a copy of HUD/CD for sold property proceeds from XXXX. | Reviewer Comment (2026-04-15): Received closing statement.
Exception cleared. Seller Comment (2026-04-15): Comment from XXXX(XXXX): XXXX CD |
04/15/2026 | 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 | 4000124020 | 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 | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000124020 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $ XXXX. | Reviewer Comment (2026-04-20): With verification of
additional deposit, sufficient funds have been verified Reviewer Comment (2026-04-16): Verified $XXXX in assets, Calculated cash to close is $$XXXX + $XXXX in gifts + $XXXX EMD + POC fees $XXXX. Total $XXXX Reviewer Comment (2026-04-16): 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 (2026-04-16): Comment from XXXX (XXXX): please see Closing disclosure |
04/20/2026 | 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 | 4000124020 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-04-23): Sufficient reserves
verified Reviewer Comment (2026-04-23): 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 . Reviewer Comment (2026-04-23): EXCEPTION HISTORY - Exception Explanation was updated onXXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Reviewer Comment (2026-04-22): Total verified funds are $XXXX(Escrow funds $XXXX+Gift Funds $XXXX+#XXXX funds $XXXX+#XXXX funds $XXXX+#XXXX funds $XXXX), calculated cash to close is $XXXX+ EMD $XXXX+ POC fee $XXXX+Gift Funds XXXX= $XXXX. Verified assets $XXXX- $XXXX= $XXXXAvailable for Reserves. Reserves required are $XXXX. Exception remains. Buyer Comment (2026-04-21): Comment from XXXX (XXXX): XXXX guide line is 2 mths PI reserve require which is $XXXX. borrower has enough reserve, $XXXX |
04/23/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000123369 | 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 or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-15): Sufficient Cure Provided At
Closing |
XXXXX | 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 | Non QM | Yes | |||||||||
| XXXXX | 4000121359 | 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 | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118490 | 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 (2026-04-15): 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 | 4000118490 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | According to the guidelines, properties zoned as agricultural are ineligible. Agricultural zoned properties (may be considered on a case-by-case basis and will require an investor exception approval, subject to an LLPA. Please submit online via XXXX online seller portal for a formal review) | Reviewer Comment (2026-04-20): Cleared Lender exception
approval received. Seller Comment (2026-04-20): Comment from XXXX (XXXX): Exception approval Reviewer Comment (2026-04-16): As the zoning is AR-1-1 which means Agricultural Residential the buyer would need to make an exception for the zoning. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Please see LOX |
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 | 4000118490 | 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 | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118490 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for zoned agricultural. Comp factors: FICO 813, 481 months of reserves. | Borrower has verified disposable income of at least
$2500.00. 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-20): Client elects to
waive/regrade with compensating factors. |
04/20/2026 | Yes | 2 | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| XXXXX | 4000117425 | 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 | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122907 | 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 (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000120455 | 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 | WA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120527 | 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 (2026-04-15): Accepted as is. |
04/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000120159 | 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 | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120159 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $ XXXX. Provide updated policy reflecting minimum coverage of $ XXXXor provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-16): Received Replacement Cost
Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-04-16): Comment from XXXX (XXXX): Please see the attached lox from the insurance agent - 100% coverage |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000120159 | 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 (2026-04-16): Accepted as is. |
04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000120159 | 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 (2026-04-15): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000120790 | 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 (2026-04-16): Accepted as is. |
04/16/2026 | 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 | 4000120790 | 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 | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124331 | 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 (2026-04-16): Accepted as is. |
04/16/2026 | 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 | 4000124331 | 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 | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121320 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-17): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-04-17): Comment from XXXX (XXXX): See attached. |
04/17/2026 | 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 | 4000121320 | 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 $XXXXexceeds 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 (2026-04-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | 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 | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118081 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-04-24): Received 1003 Final.
Exception cleared. Seller Comment (2026-04-24): Comment from XXXX (XXXX): Final 1003 |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000118081 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000118081 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed 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. | Initial Escrow disclosure missing in file. | Reviewer Comment (2026-05-12): XXXX received final CD. Seller Comment (2026-05-11): Comment from XXXX (XXXX): Final CD XXXX Reviewer Comment (2026-05-08): XXXX received IEAD & First payment letter. However, the escrow payments reflected do not match to the Final CD provided. Please see Doc ID 0171 with the final CD issued XXXX which reflects on page 1 the Estimated Escrow of $XXXX/mo, but the IEAD & payment letter reflect as $XXXX/mo. This also causes the total costs calculations and initial escrow payment amounts to differ. In reviewing the provided IEAD & payment letter, there was a page 1 of a CD (XXXX does not have this CD in loan package) that lender is referring to which does have the $XXXX/mo escrow payment. Copy of the CD is hard to read and appears may have a XXXX issue date. If the Final CD is not the XXXX CD provided, please provide this missing final CD for proper testing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Monthly payment matches final cd and escrow account payment letter 9680.XXXX. Attached are both screen shots of FPL and Initial escrow |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | 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 Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee amount of $XXXXexceeds tolerance of $XXXX $XXXXover legal limit. Sufficient cure was provided to the borrower. | Reviewer Comment (2026-04-28): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | 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 Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Changed circumstance is in file. | Reviewer Comment (2026-05-05): XXXX received LOX for
property complexity. Seller Comment (2026-05-01): Comment from XXXX (XXXX): COC Attestation Reviewer Comment (2026-05-01): XXXX received LOX for rebuttal response with copy of the appraisal reasons snip. But provided appraisal reason snip does not mark property complexity reason to increase the fee. XXXX would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the property complexity to re-baseline this exception. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Clarification on the COC Attached Reviewer Comment (2026-04-28): XXXX received COC which was already in file but as per the reason provided on COC dated XXXX for increase in fee is due to property complexity is not sufficient to re-baseline the fee. Please provide more information regarding complexities that were unknown previously or cure would be due to the borrower. Seller Comment (2026-04-24): Comment from XXXX (XXXX): COC |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | 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 TX Guaranty 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 XXXX Guaranty Fee. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-15): XXXX received Letter of
Explanation, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-14): Comment from XXXX (XXXX): Letter of Explanation sent to borrower, PCCD, Copy of Ck Cure to borrower. Reviewer Comment (2026-05-14): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for XXXX. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) Reviewer Comment (2026-05-14): XXXX received lender rebuttal on borrower selected. However, the Title - GARC fee of $XXXX, AKA, XXXX Guaranty Fee payable to TTIGA and is not shoppable regardless of the title company utilized. As such, fee should be disclosed initially and is subject to 0% tolerance testing. Fee not disclosed on initial LE and added to CD. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Seller Comment (2026-05-12): Comment from XXXX (XXXX): Final CD XXXX and Clarification- The final CD dated XXXX reflects a charge of 2.00 in section C. The title Company is independence title. The SSP disclosed is XXXX Point title. The consumer did not select our service provider and the fee is only 2.00. Based on the final CD there is no cure due to the borrower. Reviewer Comment (2026-05-07): XXXX received lender rebuttal on borrower selected. However, the Title-Title Policy XXXX Fee of $XXXX, AKA, XXXX Guaranty Fee, though is being paid to title company is a fee incurred & imposed on XXXX loans and remitted to TTIGA and is not shoppable regardless of the title company utilized. As such, fee should be disclosed initially and is subject to 0% tolerance testing. Fee not disclosed on initial LE and added to CD. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Gar fee of XXXX is included in Shoppable fee in section C . XXXX amount indicated is not correct and there should be no cure. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment (2026-04-24): Received, Clearing. Seller Comment (2026-04-24): Comment from XXXX (XXXX): ROR |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | 4000118081 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an escrow payment for payment stream XXXX that does not match the actual payment for the loan. | Initial Escrow disclosure missing in file. | Reviewer Comment (2026-05-12): XXXX received final CD. Reviewer Comment (2026-05-08): XXXX received IEAD & First payment letter. However, the escrow payments reflected do not match to the Final CD provided. Please see Doc ID 0171 with the final CD issued XXXX which reflects on page 1 the Estimated Escrow of $XXXX/mo, but the IEAD & payment letter reflect as $XXXX/mo. This also causes the total costs calculations and initial escrow payment amounts to differ. In reviewing the provided IEAD & payment letter, there was a page 1 of a CD (XXXX does not have this CD in loan package) that lender is referring to which does have the $XXXX/mo escrow payment. Copy of the CD is hard to read and appears may have a XXXX issue date. If the Final CD is not the XXXX CD provided, please provide this missing final CD for proper testing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): The initial Escrow Discl is not missing it was on page 58 of the initial package sent |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an escrow payment for payment stream XXXX that does not match the actual payment for the loan. | Initial Escrow disclosure missing in file. | Reviewer Comment (2026-05-12): XXXX received final CD. Reviewer Comment (2026-05-08): XXXX received IEAD & First payment letter. However, the escrow payments reflected do not match to the Final CD provided. Please see Doc ID 0171 with the final CD issued XXXX which reflects on page 1 the Estimated Escrow of $XXXX/mo, but the IEAD & payment letter reflect as $XXXX/mo. This also causes the total costs calculations and initial escrow payment amounts to differ. In reviewing the provided IEAD & payment letter, there was a page 1 of a CD (XXXX does not have this CD in loan package) that lender is referring to which does have the $XXXX/mo escrow payment. Copy of the CD is hard to read and appears may have a XXXX issue date. If the Final CD is not the XXXX CD provided, please provide this missing final CD for proper testing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): IEAD is not missing and it is showing the correct balance and payment |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an escrow payment for payment stream XXXX that does not match the actual payment for the loan. | Initial Escrow disclosure missing in file. | Reviewer Comment (2026-05-12): XXXX received final CD. Reviewer Comment (2026-05-08): XXXX received IEAD & First payment letter. However, the escrow payments reflected do not match to the Final CD provided. Please see Doc ID 0171 with the final CD issued XXXX which reflects on page 1 the Estimated Escrow of $XXXX/mo, but the IEAD & payment letter reflect as $XXXX/mo. This also causes the total costs calculations and initial escrow payment amounts to differ. In reviewing the provided IEAD & payment letter, there was a page 1 of a CD (XXXX does not have this CD in loan package) that lender is referring to which does have the $XXXX/mo escrow payment. Copy of the CD is hard to read and appears may have a XXXX issue date. If the Final CD is not the XXXX CD provided, please provide this missing final CD for proper testing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Monthly payment matches the final CD and Escrow account payment letter of XXXX and final cd XXXX |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000118081 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed an escrow payment for payment streamXXXX that does not match the actual payment for the loan. | Initial Escrow disclosure missing in file. | Reviewer Comment (2026-05-12): XXXX received final CD. Reviewer Comment (2026-05-08): XXXX received IEAD & First payment letter. However, the escrow payments reflected do not match to the Final CD provided. Please see Doc ID 0171 with the final CD issued XXXX which reflects on page 1 the Estimated Escrow of $XXXX/mo, but the IEAD & payment letter reflect as $XXXX/mo. This also causes the total costs calculations and initial escrow payment amounts to differ. In reviewing the provided IEAD & payment letter, there was a page 1 of a CD (XXXX does not have this CD in loan package) that lender is referring to which does have the $XXXX/mo escrow payment. Copy of the CD is hard to read and appears may have a XXXX issue date. If the Final CD is not the XXXX CD provided, please provide this missing final CD for proper testing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Monthly payment matches final cd and escrow acct/payment letter XXXX final cd XXXX The IEAD is not missing page 58 of package sent |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123809 | 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 | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000124009 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-04-23): Received latest statement
for account #XXXX confirms a balance of $XXXX is included in assets. Assets
Available for Closing is sufficient to cover Cash From Borrower. Exception
cleared. Seller Comment (2026-04-22): Comment from XXXX (XXXX): Sorry, thought the bank statement was included in upload Reviewer Comment (2026-04-22): The settlement statement provided shows $XXXX as funds to close + EMD $XXXX = $XXXX - $XXXX refund to borrower. $XXXX is required to be verified as funds to close + 3 months PITI in reserves. Verified assets on file are $XXXX. Please provide verification of $XXXX deposit and additional assets to cover reserves. Seller Comment (2026-04-22): Comment from XXXX (XXXX): attached is the final settlement statement, sufficient reserves to cover. |
04/23/2026 | 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 | 4000124009 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-05-05): Sufficient funds verified
for reserves Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of 2.99 is less than Guideline PITIA months reserves of 3.00. Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of 2.46 is less than Guideline PITIA months reserves of 3.00. Reviewer Comment (2026-05-05): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Seller Comment (2026-05-05): Comment from XXXX (XXXX): please advise why bank statement is not acceptable. thank you. Reviewer Comment (2026-05-04): Received bank statement is already utilized. Required additional bank statements to clear the exception. Exception remains. Seller Comment (2026-05-04): Comment from XXXX (XXXX): bank statement |
05/05/2026 | 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 | 4000116643 | 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 | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000116643 | XXXXX | XXXXX | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Sign Date is of XXXX | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116643 | 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 | MI | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122389 | 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 | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125251 | 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 | A | A | N/A | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000119257 | 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 (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | C | A | B | B | B | B | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119257 | 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 (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | C | A | B | B | B | B | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000119257 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | A | A | A | A | A | A | A | A | B | B | NJ | Primary | Purchase | C | B | C | A | B | B | B | B | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000119257 | 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 | NJ | Primary | Purchase | C | B | C | A | B | B | B | B | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120290 | 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 (2026-04-17): Accepted as is. |
04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000120217 | 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 | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000121268 | 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 | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124397 | 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 | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124484 | 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 for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-04-30): Received, Clearing. Seller Comment (2026-04-30): Comment from XXXX (XXXX): see attached |
04/30/2026 | 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 | 4000124071 | 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 | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000122906 | XXXXX | XXXXX | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-05-08): Corrected Final Title
provided. Cleared. Seller Comment (2026-05-08): Comment from XXXX (XXXX): XXXX- see attached Reviewer Comment (2026-04-29): The title coverage is still XXXX when the loan amount is XXXX. Exception remains. Seller Comment (2026-04-29): Comment from XXXX (XXXX): XXXX- see attached Reviewer Comment (2026-04-24): The policy amount is XXXX and the loan amount is $XXXX. Seller Comment (2026-04-24): Comment from XXXX (XXXX): XXXX- see attached |
05/08/2026 | 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 | 4000120585 | 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. | Receipt of Appraisal is missing. | 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 | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120585 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Retirement Income used in conjunction with Asset Depletion. | 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-20): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
04/20/2026 | Yes | 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 | 4000123055 | 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 (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000113978 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Unable to verify housing history for primary residence. Please provide bank statements, canceled checks, a payment history disclosing timely payments, or a letter from the property owner disclosing living status. | Reviewer Comment (2025-12-09): Received letter of
explanation for borrower is living rent free. Exception cleared. Buyer Comment (2025-12-05): Rent free loe attached. Thank you. Reviewer Comment (2025-12-05): Per guidelines, a detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free is required. Exception remains. Buyer Comment (2025-12-03): No rent-free letter is required per guidelines from the Borrower for living rent free. PLEASE clear. Thank you. Reviewer Comment (2025-11-26): Updated 1008 received with UW discretion for borrower living rent free however rent free letter from borrower is missing. Exception remains. Buyer Comment (2025-11-24): Please see UW 1008 with rent free commentary. Thank you. |
12/09/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000113996 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not provided | Reviewer Comment (2025-12-12): Certificate of compliance
-SB 1894 received. Exception cleared. Buyer Comment (2025-12-10): Please find attached the certificate of compliance. Reviewer Comment (2025-12-08): Certificate of Compliance disclosure signed by all parties is required. Buyer Comment (2025-12-04): Please find attached the certificate of compliance. |
12/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000113996 | 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. | Lender Credits was last disclosed as $ XXXX on Loan Estimate but disclosed as $ XXXX on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower | Reviewer Comment (2025-12-04): XXXX received e-sign
process summary and esign consent accepted by borrower on XXXX same as valid
COC issued to borrower and Sufficient cure provided at closing for the fee
increased. Buyer Comment (2025-12-04): Please find attached the COC and E-sign document. Reviewer Comment (2025-12-04): XXXX received COC which is already in file but the e-consent in file is dated XXXX which is after the LE was signed electronically on XXXX. Please provide earliest e-consent so that COC can be applied to re-baseline the fee. Buyer Comment (2025-12-03): Please find attached the COC. |
12/04/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | Exempt from ATR | No | |||||||||
| XXXXX | 6000113996 | 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. $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $ XXXX on Loan Estimate but disclosed as $ XXXX on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, Insufficient or no cure was provided to the borrower | Reviewer Comment (2025-12-04): XXXX received e-sign
process summary and esign consent accepted by borrower on XXXX same as valid
COC issued to borrower. Buyer Comment (2025-12-04): Please find attached the COC and E-sign document. Reviewer Comment (2025-12-04): XXXX received COC which is already in file but the e-consent in file is dated XXXX which is after the LE was signed electronically on XXXX. Please provide earliest e-consent so that COC can be applied to re-baseline the fee. Buyer Comment (2025-12-03): Please find attached the COC. |
12/04/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | Exempt from ATR | No | |||||||||
| XXXXX | 6000113996 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower lives rent-free with a party other than spouse The file is missing the LLPA and the underwriter discretion for the case by case approval. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00. |
Reserves: XXXX Guideline Requirement: 3.00 Documentation Type: 2yr Full Doc Disposable Income: $XXXX |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-26): Waived with compensating
factors per lender exception approval. Buyer Comment (2026-03-24): Please see exception attached. Thank you. Reviewer Comment (2026-03-19): We will need confirmation from management that the living rent free LLPA is included in the price adjustment, as prior loans under this same program have clearly shown the .25 LLPA hit for living rent free on the rate lock documentation provided. Buyer Comment (2026-03-17): PLEASE NOTE XXXX, with this product the Loan level price adjustment is already built into the rate as it appears. There is not any add on that appears separately on the lock confirmation. Please clear. Thank you. Reviewer Comment (2026-03-02): Exception cleared in error. Missing LLPA for borrower living rent free. Reviewer Comment (2025-12-03): 1008 received with rent free comments, exception cleared Buyer Comment (2025-12-01): Please find UW 1008 with rent free comments. Also, this loan did not have a LLPA for rent free hence why none appears on loc. PLEASE CLESR. Thank you. |
03/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||
| XXXXX | 6000113996 | 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 (2026-03-02): CDFI lender testing ATR |
03/02/2026 | No | 2 | A | A | A | A | A | IL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000114022 | 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 (2026-02-25): CDFI lender testing ATR |
02/25/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000114133 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXX not received by borrower at least XXXX (XXXX) business days prior to closing. | Revised Loan Estimate provided on XXXX not received by borrower at least four (4) business days prior to closing. | Reviewer Comment (2026-02-18): XXXX received consent for
revised LE. Buyer Comment (2026-02-18): Please see the attached audit report. |
02/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000114133 | 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 (2026-03-02): CDFI lender testing ATR |
03/02/2026 | No | 2 | A | A | A | A | A | AZ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 4000122922 | 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 $XXXXexceeds 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 (2026-04-29): XXXX Received Valid COC
dated XXXX Seller Comment (2026-04-28): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and rate lock agreement documents |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | 4000122922 | 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 . $XXXXover legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-29): XXXX Received Valid COC
dated XXXX Seller Comment (2026-04-28): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and rate lock agreement documents |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | 4000122922 | 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 $XXXXexceeds 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 (2026-04-29): XXXX Received Valid COC
dated XXXX Seller Comment (2026-04-28): Comment from XXXX (XXXX): uploaded LOE, LE, COC, and rate lock agreement documents |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | 4000114021 | 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 | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000114021 | 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 (2026-04-20): Accepted as is. |
04/20/2026 | No | 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 | 4000122276 | 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 (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122276 | 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 the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | Reviewer Comment (2026-04-20): Accepted as is. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122276 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Provide a fully executed gift letter. | Reviewer Comment (2026-05-12): Received Gift letter.
Exception cleared. Seller Comment (2026-05-12): Comment from Purchasing Team (XXXX): Gift Letter attached Reviewer Comment (2026-04-23): Required fully executed gift letter. Letter from donor is not acceptable. Exception remains. Seller Comment (2026-04-23): Comment from Purchasing Team (XXXX): Please see the attached Gift Letter. Please let us know why it would not satisfy this condition. |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122276 | 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. | Ability to repay. Loan designation of Non-QM does not match due diligence loan designation of ATR risk. | Reviewer Comment (2026-05-14): Exception cleared with
receipt of gift letter Buyer Comment (2026-05-14): Comment from Purchasing Team (XXXX): What is needed to clear this condition? |
05/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122276 | 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 a missing gift letter. | Reviewer Comment (2026-05-14): Exception cleared with
receipt of gift letter Seller Comment (2026-05-14): Comment from Purchasing Team (XXXX): I apologize, I thought this condition would get cleared when the gift letter condition was uploaded to the previous conditon. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120359 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rent loss insurance is required and must equal 6 months of rental income. | Reviewer Comment (2026-04-23): Fair rental loss
verified Seller Comment (2026-04-23): Comment from XXXX (XXXX): agent confirms rent loss coverage |
04/23/2026 | 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 | 4000123373 | 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 | 4000125747 | 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 | 4000121959 | 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 | WV | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121959 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-04-26): Received Certificate of
Good Standing. Exception cleared. Seller Comment (2026-04-24): Comment from XXXX (XXXX): Cert of Good Standing |
04/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121301 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-22): Clearing based on review
coming back within tolerances. |
04/22/2026 | 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 | 4000119208 | 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 the 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 (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000119208 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state that properties listed for sale in the last 6 months are not eligible for a refinance transaction. The subject was listed for sale on XXXX and withdrawn on XXXX. Borrower states they listed the property as a precautionary measure due to economic uncertainty after XXXX. After the local economy began to stabilize, their financial position improved, and they were able to secure a long-term tenant as their original intent. Appraisal supports the property is tenant occupied. A lease was provided with a 1-year term beginning XXXX. Can an exception be made to proceed with the subject listed for sale in the prior 6 months? Lender exception approved. Comp factors: FICO XXXX, LTV below XXXX%, DSCR 1.01. | The qualifying DSCR on the loan is greater than the guideline minimum. | Property was listed for sale. FICO XXXX with DSCR above 1.00 | SitusAMC | Reviewer Comment (2026-04-21): Client elects to
waive/regrade with compensating factors. |
04/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000124915 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 Final is missing. | Reviewer Comment (2026-04-29): Received final 1003 Seller Comment (2026-04-29): Comment from XXXX (XXXX): Hello, please see attached Final 1003 URLA |
04/29/2026 | 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 | 4000124915 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-04-29): Received, cleared Seller Comment (2026-04-29): Comment from XXXX (XXXX): Hello, please see attached Articles of Organization |
04/29/2026 | 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 | 4000124915 | 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 (2026-04-29): Received Business Entity
Listing. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Hello, please see attached Certificate of Good Standing |
04/29/2026 | 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 | 4000124915 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing. | Reviewer Comment (2026-04-29): Received Occupancy
Certificate. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Hello, please see attached Occupancy Certificate |
04/29/2026 | 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 | 4000124915 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-04-29): Provided. Cleared. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Hello, please see attached Operating Agreement |
04/29/2026 | 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 | 4000124215 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate not provided in file. | Reviewer Comment (2026-04-22): Occupancy Certificate
provided. Cleared. Buyer Comment (2026-04-22): Comment from XXXX (XXXX): Document that was uploaded reflects non-owner occupancy confirmation, please confirm what else is missing. Reviewer Comment (2026-04-22): Required Occupancy Certificate. Exception remains. Seller Comment (2026-04-22): Comment from XXXX (XXXX): Please see uploaded occupancy certificate. |
04/22/2026 | 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 | 4000123523 | 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 (2026-04-21): Accepted as is. |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123523 | 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 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000120653 | 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 (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122112 | 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 (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122112 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-23): Received Hazard Insurance
Policy and HOA. Exception cleared. Seller Comment (2026-04-23): Comment from XXXX (XXXX): HOI and HOA Dues for XXXX |
04/23/2026 | 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 | 4000122367 | 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 (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124811 | 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 (2026-04-22): Accepted as is. |
04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124452 | 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 (2026-04-22): Accepted as is. |
04/22/2026 | 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 | 4000124452 | 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 (2026-04-22): Accepted as is. |
04/22/2026 | 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 | 4000124452 | 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 (2026-04-22): Accepted as is. |
04/22/2026 | 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 | 4000123909 | 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 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 (2026-04-23): Accepted as is. |
04/23/2026 | 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 | 4000123909 | 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 (2026-04-23): Accepted as is. |
04/23/2026 | 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 | 4000123909 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID non-compliant: Missing Seller's Closing Disclosure. | Provided seller Closing Disclosure has incomplete values on the second page. | Reviewer Comment (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | Good Faith Redisclosure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000123272 | 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 for Borrower Business Entity. | Reviewer Comment (2026-04-27): Received Business Entity
Document EIN Number provided.
Exception cleared. Seller Comment (2026-04-27): Comment from XXXX (XXXX): XXXX: Please see attached document showing the EIN. Division corporation is from the state and and issued by the government. |
04/27/2026 | 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 | 4000122335 | 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 (2026-04-23): Accepted as is. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000123657 | 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 | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000123657 | 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 (2026-04-23): Sufficient Cure Provided At
Closing |
XXXXX | 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 | 4000123308 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-04-24): Received E-sign Consent
Agreement. Exception cleared. Seller Comment (2026-04-24): Comment from XXXX (XXXX): E-Consent |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123235 | 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. | 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 (2026-04-24): Accepted as is. |
04/24/2026 | 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 | 4000124894 | 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 (2026-04-24): Accepted as is. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124894 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing Disclosure is missing. | Reviewer Comment (2026-04-28): XXXX received a seller CD
with seller paid closing costs. Seller Comment (2026-04-27): Comment from Post Closing (XXXX): Please see attached |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000124894 | 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). Unable to determine if appropriate coverage is provided. | 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 | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124193 | 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 (2026-04-24): Accepted as is. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000124916 | 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. | The Commitment 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 Commitment report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-13): Received updated title
commitment Seller Comment (2026-05-13): Comment from XXXX (XXXX): XXXX- see attached |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119733 | 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 (2026-04-24): Accepted as is. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000123037 | 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. | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-04-28): XXXX received XXXX CD
received 3 business days prior to consummation. Seller Comment (2026-04-27): Comment from XXXX (XXXX): Initial CD |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000124990 | 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 (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | A | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000124990 | 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 (3) 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 (3) business days of application or determination of first lien status. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | A | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000124990 | 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 XXXXused as disbursement date for compliance testing. | Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XXXX used as disbursement date for compliance testing. | Reviewer Comment (2026-04-27): Accepted as is. |
04/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | A | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000124990 | 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. | No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2026-04-27): Final CD received Seller Comment (2026-04-27): Comment from XXXX (XXXX): Please find attached Final CD. Thank you. |
04/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | A | A | D | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000123338 | 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 policy is within XXXX and does not reflect a coverage amount | 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 | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125119 | 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). Unable to determine if appropriate coverage is 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 | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000123112 | 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 | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000119551 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $XXXX. | Reviewer Comment (2026-04-27): Cleared- 25% additional
coverage Seller Comment (2026-04-27): Comment from XXXX (XXXX): HOI Policy includes extended 25% additl coverage (p5). |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124958 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-01): Received UCDP report with
CU score less than 2.5. Exception cleared. Seller Comment (2026-05-01): Comment from XXXX (XXXX): see attached Reviewer Comment (2026-04-30): A valid UCDP Score was not provided. Secondary Valuation required. Exception remains. Buyer Comment (2026-04-30): Comment from XXXX (XXXX): Please advise as to what is needed from us to clear the above suspense. Thank you! |
05/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000127248 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Zoning Rural /agricultural residential. The view also shows pasture but no photos of land to ensure no farming activities are taking place. | 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. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-09): Client exception
received. Seller Comment (2026-05-08): Comment from XXXX (XXXX): exception Reviewer Comment (2026-04-30): Per XXXX: Agricultural zoned properties (may be considered on a case-by-case basis and will require an investor exception approval, subject to an LLPA. Please submit online via XXXX's online seller portal for a formal review). Exception would be needed. Seller Comment (2026-04-29): Comment from XXXX XXXX): Our guides show ineligible for Rural over 20 acres which we are not. Here is an overhead photo of the property showing no farm along with our guides on Ag zoned properties. |
05/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000127248 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement is missing. | Reviewer Comment (2026-04-30): Per guidelines, a lease
copy is not required since the appraiser has listed the rent amount on Form
1007/1025. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX XXXX): see our guides - a copy of the lease agreement is not required if the appraiser lists the rent amount for the subject on form 1007/1025. |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127248 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-01): Cleared based on review
coming back within tolerances |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000125362 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $ XXXX is insufficient to cover the mortgage amount of $ XXXX with an estimated cost of $ XXXX. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement cost estimator from the insurer. | Reviewer Comment (2026-05-07): Insurance agent indicates
the maximum insurable value is $XXXX Seller Comment (2026-05-07): Comment from XXXX (XXXX): RCE CLARIFICATION FROM AGENT |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124145 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing. | Reviewer Comment (2026-04-30): Received Insurance
Verification. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX (XXXX): hoi |
04/30/2026 | 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 | 4000124145 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Appraisal and letter of explanation-intent to sell is missing. | Reviewer Comment (2026-04-30): Received Appraisal and
Letter of explanation, Exception Cleared. Seller Comment (2026-04-30): Comment from XXXX (XXXX): UPLOADED LOX REBUTTAL, APPRAISAL & FINAL SIGNED CD FOR XXXX PROPERTY |
04/30/2026 | 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 | 4000123405 | 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 for the subject property is required and must equal at least XXXX months. | Reviewer Comment (2026-04-29): 6 months of rent loss
verified Seller Comment (2026-04-29): Comment from XXXX (XXXX): Please see confirmation from EOI Agent of rent loss coverage |
04/29/2026 | 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 | 4000123405 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file is missing a copy of Corporate Resolution/Operating Agreement. | Reviewer Comment (2026-04-30): Received Corporate
Resolution. Exception cleared. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Please see Company Resolution |
04/30/2026 | 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 | 4000123405 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing a copy of Corporate Resolution/Operating Agreement. | Reviewer Comment (2026-05-28): Corporate Resolution
associated in lieu of operating agreement. Exception cleared. Seller Comment (2026-05-28): Comment from XXXX (XXXX): Please see attached exception approval Reviewer Comment (2026-04-30): Operating Agreement not received. Exception remains. Seller Comment (2026-04-29): Comment from XXXX (XXXX): Please see Company Resolution |
05/28/2026 | 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 | 2000000613 | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Policy effective XXXX which is after disbursement date of 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 representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-09): LOE of no damage or claims
provided. Buyer Comment (2026-05-08): Please waive condition. This will suffice for the condition Reviewer Comment (2026-05-08): Letter of Explanation requires from insurance agent. Exception remains. |
05/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125930 | 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 (2026-04-30): Received Certificate of
Good Standing. Exception cleared. Seller Comment (2026-04-30): Comment from XXXX (XXXX): certificate of good standing |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000125930 | 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 (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000125930 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The note should be updated to include the member title on the signature line | Reviewer Comment (2026-05-14): Received, Clearing. Seller Comment (2026-05-14): Comment from XXXX (XXXX): copies of corrections |
05/14/2026 | No | 1 | A | A | A | A | A | MA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000125742 | 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 (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123510 | 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 (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000123510 | 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 (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000124601 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-04): Cleared based on review
coming back within tolerances |
05/04/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000125059 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Invoice is missing. | Reviewer Comment (2026-05-04): Invoice received |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000125059 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Invoice is missing for payment. | Reviewer Comment (2026-05-04): Received invoice, Exception
Cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): CDA Invoice Reviewer Comment (2026-04-29): Received POCB invoice for Appraisal fee. Please provide POCB invoice for Appraisal Desk Review fee $XXXX. Exception remains. Seller Comment (2026-04-29): Comment from XXXX (XXXX): invoice |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000125059 | 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 (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125835 | 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 (2026-04-28): Accepted as is. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125835 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-04): Cleared based on review
coming back within tolerances |
05/04/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| XXXXX | 4000124491 | 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 title policy coverage amount. | Reviewer Comment (2026-04-28): Accepted as is. |
04/28/2026 | 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 | 4000124491 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Reviewer Comment (2026-04-28): Accepted as is. |
04/28/2026 | 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 | 4000125044 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000116484 | 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). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000116484 | 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 (2026-04-29): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000117686 | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KS | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117686 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KS | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117686 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment within 10 business days of the Note was not in file. | Reviewer Comment (2026-05-04): Received VVOE. Exception
cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): VOE |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000117686 | 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. | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR risk, due to the verification of employment within 10 business days of the Note was not in file. | Reviewer Comment (2026-05-04): Updated VVOE provided
Cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): WVOE |
05/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KS | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000117686 | 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. | Verification of employment within 10 business days of the Note was not in file. | Reviewer Comment (2026-05-04): Updated VVOE provided
Cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): WVOE |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000123363 | 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). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-29): Accepted as is. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000120798 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-04): Cleared based on review
coming back within tolerances |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000120798 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Borrower is Non-Permanent Resident Alien, and source document is missing. | 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 | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120798 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Co-borrower is Non-Permanent Resident Alien, and source document is missing. | 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 | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120798 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen document is missing. | Reviewer Comment (2026-05-05): Received Employment
Authorization. Exception cleared. Seller Comment (2026-05-05): Comment from XXXX (XXXX): borrower id doc attached |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000120798 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-05-05): HOI Policy provided.
Cleared. Seller Comment (2026-05-05): Comment from XXXX (XXXX): HOI policy attached |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000120798 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | Maximum payment shock allowable for FTHB is XXXX %. | Reviewer Comment (2026-05-08): Received Approved Lender
Exception. Exception cleared. Seller Comment (2026-05-08): Comment from XXXX (XXXX): please see attached approved loan exception Reviewer Comment (2026-05-06): All exceptions must go the buyers portal. Buyer Comment (2026-05-06): Comment from XXXX (XXXX): we submitted exception request with compensating factors in RateLocker, thank you the exception is to be requested through RateLocker. Compensating factors: • FICO score at least XXXX points above program minimum (minimum for 70 LTV purchase with loan amount between $XXXX and $XXXX is XXXX and we are at XXXX) • DTI below program max by over XXXX% points (we are at XXXX% / XXXX%) • PITIA reserves over the program minimum by six months or more (program minimum is 9 months - we have 16 months) • Residual income over $XXXX greater than required • Housing history 0X30X24 • Job stability over five years on the job for both borrowers (B1 on job 9+ years, B2 on job 5+ years) XXXX Senior Underwriter Email: XXXX Mobile Phone: XXXX |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000120798 | 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 | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125466 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-04): Cleared based on review
coming back within tolerances |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125466 | 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 | AZ | Second Home | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125466 | 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 (2026-04-29): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000124349 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-04): Cleared based on review
coming back within tolerances Reviewer Comment (2026-04-29): Reopened Reviewer Comment (2026-04-29): Meets seller guidelines |
05/04/2026 | 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 | 4000124349 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Note does not list LLC in signature line. | Reviewer Comment (2026-05-05): Guidelines allow vesting
ownership in an entity but closing in the name of a natural person. Reviewer Comment (2026-05-05): The borrower per the note is XXXX & XXXX and the borrower per the security instrument is XXXX. You can't have the borrower conflicting on the two documents. Buyer Comment (2026-05-04): Comment from XXXX (XXXX): This is not a requirement. Where do you see that this is required? Can you provide your Guide on this? Reviewer Comment (2026-04-30): The security agreement lists the borrower as XXXX. Buyer Comment (2026-04-30): Comment from XXXX (XXXX): The Note is in the borrower's name and the Deed in the LLC. It is only the Deed and rider that is LLC the rest is normal signature |
05/05/2026 | 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 | 4000123707 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation. | Reviewer Comment (2026-05-06): Desk Review received Seller Comment (2026-05-06): Comment from XXXX (XXXX): Secondary valuation |
05/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NH | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124033 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan transaction is delayed financing - The source of funds for the original purchase transaction must be documented (bank statements, personal loan documents, HELOC from another property as example). Please provide evidence the original purchase transaction must be an arm's length transaction as required per guidelines. | Reviewer Comment (2026-04-29): Received, Clearing. Seller Comment (2026-04-29): Comment from XXXX (XXXX): SEE UPLOADED DOCS |
04/29/2026 | 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 | 4000122111 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of Insurance Verification. | Reviewer Comment (2026-05-06): Received updated Final 1003
and Letter of Explanation confirming that the property is sold. Hence it is
not included in DTI. Exception cleared. Seller Comment (2026-05-05): Comment from XXXX (XXXX): final 1003 to show REO sold Reviewer Comment (2026-05-04): REO is listed on 1003 as current investment property. Please provided corrected executed 1003. Exception remains. Seller Comment (2026-05-04): Comment from XXXX (XXXX): property sold |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122937 | 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 (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122937 | 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 | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124652 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file package. | Reviewer Comment (2026-05-11): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-05-11): Comment from XXXX (XXXX): e consent |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124652 | 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 (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124652 | 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 (3) 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. | Reviewer Comment (2026-05-13): XXXX received earliest
e-consent. Seller Comment (2026-05-12): Comment from XXXX (XXXX): e consent form uploaded |
05/13/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 2000000651 | 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 (2026-04-30): Accepted as is. |
04/30/2026 | 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 | 4000125062 | 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 | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125062 | 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. | Preliminary Title Policy amount is $ XXXX. The loan amount is $ XXXX. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000121706 | 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 | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124876 | 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. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000122704 | 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 (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123926 | 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 ___. | Guidelines reflect the maximum Cash Out is $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%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-11): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-05-11): Comment from XXXX (XXXX): Exception approval Reviewer Comment (2026-05-04): Exception approval should come from the buyer. Please submit the request to XXXX Seller Comment (2026-05-02): Comment from XXXX (XXXX): Uploaded exception docs. |
05/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000125724 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing of $XXXX are less than cash from borrower $XXXX. | Reviewer Comment (2026-05-07): Received POCB Appraisal
Invoice. Assets Available for Closing is sufficient to cover Cash From
Borrower. Exception cleared. Seller Comment (2026-05-06): Comment from XXXX (XXXX): Hello, please see attached. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125724 | 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 (2026-04-30): Accepted as is. |
04/30/2026 | 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 | 4000125724 | 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 | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000573 | 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 (2026-05-01): Accepted as is. |
05/01/2026 | 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 | 2000000573 | 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 Risk. | Reviewer Comment (2026-05-05): Received, Clearing. |
05/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000573 | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX % moderately exceeds the guideline maximum of XXXX %. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lender's Guidelines and 1026.43(c)(5) of XXXX%. | Reviewer Comment (2026-05-05): Received, Clearing. |
05/05/2026 | 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 | 2000000573 | 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 (3) 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. | Reviewer Comment (2026-05-06): XXXX received e-consent
dated XXXX |
05/06/2026 | 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 | 2000000573 | 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. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-05): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Buyer Comment (2026-05-01): Line J |
05/05/2026 | 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 | 2000000573 | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXXX% exceeds guideline total debt ratio of XXXX%. | Reviewer Comment (2026-05-05): The Schedule E rental
calculation for the REO property at XXXX includes the Amortization and HOA expense, resulting in a DTI within the
allowable XXXX% guideline limit. Exception cleared. Reviewer Comment (2026-05-04): Please submit online via XXXX's online seller portal for a formal review. Exception remains. (XXXX) Buyer Comment (2026-05-04): Upon review of the income calculation on subject file, it is noted that the post close team has not accounted for the HOA Dues and Amortization expenses while calculating rental income for property located at XXXX which is resulting in difference in income and thereby resulting in higher DTI. |
05/05/2026 | 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 | 2000000573 | 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. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-05-05): Received, Clearing. |
05/05/2026 | 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 | 2000000573 | 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 (2026-05-05): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| XXXXX | 2000000574 | 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 | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000126121 | 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 (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126121 | 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 (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125597 | 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 (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125597 | 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. | Reviewer Comment (2026-05-04): Received appraisal delivery
confirmation. Exception cleared. |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125597 | 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 (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 (2026-05-04): Received appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): ROV uploaded |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124493 | 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 (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125101 | 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 (2026-05-01): Client elects to waive |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124394 | 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 | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120875 | 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 (2026-05-01): Client elects to waive |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127098 | 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 | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127098 | 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 Preliminary in file. | Reviewer Comment (2026-05-01): Client elects to waive |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000127098 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state borrowers who own more than twenty financed properties are not permitted. The borrower has a total of 23 properties, 21 of which are financed. Of the 21 financed properties, 6 of these closed with XXXX throughout XXXX. The borrower does intend to acquire more properties in the future. | 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. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-01): Client elects to waive with
compensating factors |
05/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125612 | 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 | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124454 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Incomplete Fraud Report provided in file. | Reviewer Comment (2026-05-13): Received, Clearing. Seller Comment (2026-05-12): Comment from XXXX (XXXX): attached |
05/13/2026 | 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 | 4000122789 | 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. | Reviewer Comment (2026-05-04): Accepted as is per
client. Seller Comment (2026-05-04): Comment from XXXX (XXXX): CE attached |
05/04/2026 | 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 | 4000122789 | 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. | Sufficient cure provided at closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122789 | 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 provided at closing. | Reviewer Comment (2026-05-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000127158 | 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 (2026-05-04): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000127158 | 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 in XXXX 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): Client elects to waive |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125598 | 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. | Right to Cancel is signed and dated XXXX. Disbursement date is XXXX. | Reviewer Comment (2026-05-15): Final Settlement Statement
provided confirming Disbursement Date of XXXX. Cleared. Seller Comment (2026-05-15): Comment from XXXX (XXXX): final settlement statement Reviewer Comment (2026-05-14): Please provide final signed settlement statement/closing statement to verify disbursement date Seller Comment (2026-05-14): Comment from XXXX (XXXX): POCD uploaded to verify Disbursement date |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125598 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-05-04): Received Fraud Report.
Exception cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): Fraud uploaded |
05/04/2026 | 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 | 4000124688 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-05-04): Received Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): Articles of Organization |
05/04/2026 | 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 | 4000124688 | 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 (2026-05-04): Received Certificate of
Good Standing, Exception Cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): Cert of Status |
05/04/2026 | 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 | 4000124688 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing. | Reviewer Comment (2026-05-04): Received. Cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): Operating Agreement LLC |
05/04/2026 | 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 | 4000124688 | 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 (2026-05-04): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): EIN |
05/04/2026 | 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 | 4000124688 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-05-04): Received Operating
Agreement. Exception cleared. Seller Comment (2026-05-04): Comment from XXXX (XXXX): Operating Agreement |
05/04/2026 | 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 | 4000124688 | 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 | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000124509 | XXXXX | XXXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard Policy reflects XXXX. | Reviewer Comment (2026-05-06): Received, Clearing. Seller Comment (2026-05-06): Comment from XXXX (XXXX): Updated HOI with correct mortgagee |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123651 | 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 | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000126062 | 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 (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000123473 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-05-07): Updated statement provided.
Cleared. Seller Comment (2026-05-07): Comment from XXXX (XXXX): assets for closing |
05/07/2026 | 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 | 4000123473 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-05-07): Updated statement provided.
Cleared. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Updated bank |
05/07/2026 | 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 | 4000126633 | 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 (2026-05-05): Accepted as is. |
05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000125934 | 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 | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125934 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX Most Recent Tax Return End Date XXXX, Tax Return Due DateXXXX | Self-Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application XXXX Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX | 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 - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125934 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment (2026-05-06): Permanent financing
refinance of construction only loan exempt from rescission under Comment
1026.2(a)(24)-4-ii. Buyer Comment (2026-05-06): Comment from XXXX (XXXX): This is a new construction loan, not subject to 3-day rescission |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | 4000125934 | 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 (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124114 | 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 | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124114 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception with Approved Status is Requesting exception for the property is a 2 unit + bonus room/ADU (unpermitted). Comp Factors: FICO 787 and low DTI | 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 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 |
Reviewer Comment (2026-05-06): Client elects to
waive/regrade with compensating factors. |
05/06/2026 | Yes | 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 | 4000124114 | 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 (2026-05-06): Accepted as is. |
05/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125665 | 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. | D0196 Reflects Valuation was 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 | GA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125665 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing DisclosureXXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller CD was not provided. | Reviewer Comment (2026-05-07): XXXX received seller CD Seller Comment (2026-05-05): Comment from XXXX (XXXX): Please see the attached Seller's CD. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000126411 | 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 | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124582 | 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 | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126084 | 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 (2026-05-06): Accepted as is. |
05/06/2026 | 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 | 4000126084 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | - | Asset documentation requirement for all transactions is a single account statement covering a one (1) month period and dated within 90-days of the loan note date. XXXX account Bank statement is not within 90-days of the Note Date. | Reviewer Comment (2026-05-18): 120 acceptable per guides.
Cleared. Buyer Comment (2026-05-18): Comment from XXXX (XXXX): Per the guidelines, age of documentation can't exceed 120 days. Could you please review and waive? |
05/18/2026 | 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 | 4000126084 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | Per guidelines, Cash back to borrower not to exceed the lesser ofXXXXof the new loan amount or XXXX Per FNMA, lender can apply a curtailment to reduce the amount of cash back to the borrower to bring the loan into compliance with the maximum cash-back requirement. | Reviewer Comment (2026-06-01): Received, Clearing. Seller Comment (2026-06-01): Comment from XXXX (XXXX): PCCD and cover letter Reviewer Comment (2026-05-26): A principal reduction is a post close modification which isn't a cure to the issue. An exception from the buyer of the loan would be needed. Buyer Comment (2026-05-26): Comment from XXXX (XXXX): Please provide a yes you will accept or no you do not accept the principal reduction. Reviewer Comment (2026-05-18): Please submit for review. Exception remains. Buyer Comment (2026-05-18): Comment from XXXX (XXXX): will you allow us to do a PR to cure it? |
06/01/2026 | 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 | 4000124785 | 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 | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000121273 | 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 | NJ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125592 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | 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 XXXXis under disclosed by XXXX compared to the calculated Finance Charge of $XXXX which exceeds the XXXX threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XXXX). | Verified finance charge is accurate. | Reviewer Comment (2026-05-07): Received LOA indication TC
fee was charged by real estate and represents transaction-related charges
that are not considered finance charges. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | 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 | Non QM | Yes | |||||||||
| XXXXX | 4000125615 | 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. | The verification appraisal that was delivered to the borrower 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 | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126189 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-07): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-05-06): Comment from XXXX (XXXX): e consent |
05/07/2026 | 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 | 4000125477 | 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 (2026-05-06): Accepted as is. |
05/06/2026 | 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 | 4000121464 | 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 (2026-05-06): Accepted as is. |
05/06/2026 | 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 | 4000125398 | 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 (2026-05-06): Accepted as is. |
05/06/2026 | 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 | 4000124377 | 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 oXXXX 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 (2026-05-07): Cured at closing or within
60 days of consummation prior to TPR review |
XXXXX | 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 | 4000126198 | 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 (2026-05-07): 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 | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000122591 | 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 (Final Title Policy was not found in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| XXXXX | 4000123682 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state funds from a business account may be used for funds to close or reserves if documentation is provided supporting the borrower's percentage of ownership interest via CPA/tax preparer letter or business filing. Business assets have been provided that are held in XXXX: DBA: XXXX. The borrower created a sole proprietorship inXXXX, however never created a legal entity. A letter of explanation is in the file from the borrower indicating that the business was never registered, and he utilizes the business account as a personal account as he never updated the name on the account once he moved to XXXX. We obtained a document from XXXX supporting that they were a Sole Proprietor for this business. | 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 (2026-05-07): Lender exception
approved |
05/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000125233 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Agreement does not have a date on the signature/notary page. | Reviewer Comment (2026-05-11): XXXX with Notary
Acknowledgement provided. Cleared. Seller Comment (2026-05-11): Comment from XXXX (XXXX): XXXX - XXXX: Please see the attached security instrument including the notary's signature and date of XXXX |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123988 | 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 (2026-05-07): Accepted as is. |
05/07/2026 | 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 | 4000123988 | 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 | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000125050 | 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 (2026-05-07): Accepted as is. |
05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | B | B | C | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125050 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The valuation selected as "Use for LTV" was obtained post-close. Sec ID: 25 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-12): Received appraisal dated
prior to close Seller Comment (2026-05-12): Comment from XXXX (XXXX): Please see attached Original Appraisal- the appraiser corrected the name of the city to XXXX and sent back a revised appraisal on XXXX. Reviewer Comment (2026-05-09): Please provide a appraisal with a report date that is prior to XXXX. Seller Comment (2026-05-08): Comment from XXXX (XXXX): Kindly see attached LOE and Email |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | B | B | C | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124944 | 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 | A | A | A | A | A | AL | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000125066 | 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. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant 3 business days prior to consummation. (Type:PrimaryXXXX | Reviewer Comment (2026-05-07): Accepted as is. |
05/07/2026 | 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 | 4000124358 | 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 ofXXXX XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from XXXX to XXXXwithout a valid Changed Circumstance document. No cure provided. | Reviewer Comment (2026-05-20): XXXX received a valid
COC. Seller Comment (2026-05-19): Comment from XXXX (XXXX): See attached LE Reviewer Comment (2026-05-15): XXXX received COC dated XXXX for rate lock but no corresponding LE or CD is provided in file. Please provide any missing disclosures or cure would be required. Seller Comment (2026-05-14): Comment from XXXX (XXXX): Please see attached COC in which the discount points were added |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | 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 | Yes | |||||||||
| XXXXX | 4000124358 | 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 (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000125200 | 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 (2026-05-08): Accepted as is. |
05/08/2026 | 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 | 4000125200 | 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 (2026-05-08): Accepted as is. |
05/08/2026 | 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 | 4000124984 | 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 Collateral Desktop Analysis. 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 Collateral Desktop Analysis. Fee Amount of XXXXexceeds tolerance of XXXX Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-08): Sufficient Cure Provided At
Closing |
XXXXX | 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 | 4000124984 | 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 | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125480 | 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 | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126388 | 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 (2026-05-08): Accepted as is. |
05/08/2026 | 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 | 4000125514 | 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 (2026-05-11): Accepted as is. |
05/11/2026 | 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 | 4000124650 | 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 Report does not list coverage amount. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127115 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-05-15): Credit Report, cleared Seller Comment (2026-05-15): Comment from XXXX (XXXX): Please see attached. |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000127115 | XXXXX | XXXXX | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. | - | Page #3 is missing on the Final Closing Disclosure. | Reviewer Comment (2026-05-15): Page #3 received,
cleared Seller Comment (2026-05-15): Comment from XXXX (XXXX): Please see attached. |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000127115 | 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 (2026-05-15): CBR received, cleared Buyer Comment (2026-05-15): Comment from XXXX (XXXX): Please clear this condition upon receiving the credit report. |
05/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000127115 | 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 Attorney Review 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 (2026-05-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000127115 | 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. | The loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-05-15): CBR received, cleared Buyer Comment (2026-05-15): Comment from XXXX (XXXX): Please clear this condition upon receiving the credit report. |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125451 | 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 (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125451 | 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 ofXXXX exceeds tolerance XXXX plus XXXX . XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. Total amount ofXXXXexceeds tolerance ofXXXX plusXXXX or XXXX. This iXXXX over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-20): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. Seller Comment (2026-05-19): Comment from XXXX (XXXX): proof of delivery slated for XXXX Reviewer Comment (2026-05-19): XXXX received PCCD, LOE and copy of refund check. XXXX tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Seller Comment (2026-05-18): Comment from XXXX (XXXX): PCCD docs |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125451 | 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 Verification Of Tax Return 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 was exceeded for Verification of Tax Return Fee. Fee amount of XXXX exceeds tolerance ofXXXXThis is XXXXover the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-20): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125451 | 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 TX Guaranty Fee. Fee Amount of XXXX exceeds tolerance ofXXXX XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for TX Guaranty Fee. Fee amount ofXXXX exceeds tolerance ofXXXX. This is XXXX over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-20): XXXX received PCCD, LOE,
proof of mailing & copy of refund check. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125146 | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | 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 | 4000125146 | 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 ofXXXX exceeds tolerance ofXXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At
Closing |
XXXXX | 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 | 4000125146 | 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 (2026-05-11): Sufficient Cure Provided At
Closing |
XXXXX | 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 | 4000124795 | 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. | 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:PrimaryXXXX | 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 | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124795 | 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. | 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.XXXXRemove/Clear Exceptions | Reviewer Comment (2026-05-19): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-18): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-05-13): XXXX received COC dated XXXX reflects change reason for loan amount. However, the lender credit did not change proportionately with the loan amount change and is not a valid reason for the lender credit decrease. Provide additional information to support a pricing change for the lender credit decrease or cure would be due. Seller Comment (2026-05-12): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000124795 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires within 90 days of the Note Date. | 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 | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124795 | 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 (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125529 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Note is missing the signature line for the business entity. The note only reflects the individual signature line. | Reviewer Comment (2026-05-13): Vesting in an LLC
requirements met Buyer Comment (2026-05-13): Comment from XXXX (XXXX): The Note is not required to show the LCC, only the Deed of Trust. Please escalate and clear this finding |
05/13/2026 | 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 | 4000127420 | 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 (2026-05-13): Received Fraud Report.
Exception cleared. Seller Comment (2026-05-12): Comment from XXXX (XXXX): fraud report uploaded |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000127171 | 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 borrower was not provided. | 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 | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127171 | 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 (2026-05-12): Accepted as is. |
05/12/2026 | 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 | 4000125765 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent Resident Card is missing. | Reviewer Comment (2026-05-19): Cleared Received Seller Comment (2026-05-19): Comment from XXXX (XXXX): Please see attached passport with temp I-551 stamp as category XXXX. |
05/19/2026 | 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 | 2000000673 | 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 (3) 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. | Reviewer Comment (2026-05-13): XXXX Received Earliest
E-Consent dated XXXX. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000673 | 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 Desk Review Fee. Fee Amount of XXXX exceeds tolerance ofXXXX . XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-26): Received XXXX LE to go with
COC dated XXXX Reviewer Comment (2026-05-13): XXXX Appraisal desk review fee $XXXX added on CD dated XXXX without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000673 | 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. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000673 | 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 ofXXXX exceeds tolerance of XXXX $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | XXXX Appraisal fee XXXXto clear capital added on CD datedXXXX without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | Reviewer Comment (2026-05-27): CD dated XXXX received |
05/27/2026 | No | 1 | A | A | A | A | A | NJ | Primary | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000127748 | 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. | 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 (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000127748 | 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 (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000127401 | 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 does not list coverage amount. | 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 | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124158 | 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 | VT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127083 | 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 (2026-05-13): Accepted as is. |
05/13/2026 | 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 | 4000127083 | 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 (2026-05-13): Accepted as is. |
05/13/2026 | 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 | 4000127390 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided | Bankruptcy discharge papers required. | Reviewer Comment (2026-05-14): BK discharge documentation
not required per guidelines |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126605 | XXXXX | XXXXX | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines | - | Assignment of Leases/Rents is missing in the file. | Reviewer Comment (2026-05-13): Received Assignment of
Leases/Rents. Exception cleared. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000126605 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided | Assignment of Leases/Rents is missing in the file. | Reviewer Comment (2026-05-13): Received Assignment of
Leases/Rents. Exception cleared. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000126605 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Rider - Prepayment was missing in the file. | Reviewer Comment (2026-05-13): Received Prepayment Rider.
Exception cleared. Seller Comment (2026-05-13): Comment from XXXX (XXXX): XXXX- Please see page 22 of the attached Mortgage |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000126605 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien was missing in the file. | Reviewer Comment (2026-05-13): Received Security
Instrument - Subject Lien. Exception cleared Seller Comment (2026-05-13): Comment from XXXX (XXXX): XXXX- see attached |
05/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127484 | 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 (2026-05-13): Accepted as is. |
05/13/2026 | 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 | 4000125379 | 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 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 Appraisal Fee. Fee Amount ofXXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. XXXX | Reviewer Comment (2026-05-18): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-05-15): Comment from XXXX (XXXX): please see lender credits of $XXXX on final CD. This is the cure for the $XXXX + $XXXX = $XXXX tolerance violations |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | 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 | 4000125379 | 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 $233.35 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 Credit Report Fee. Fee Amount of XXXX exceeds tolerance ofXXXX over legal limit. Insufficient or no cure was provided to the borrower. (XXXX | Reviewer Comment (2026-05-18): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-05-15): Comment from XXXX (XXXX): please see lender credits of $XXXX on final CD. This is the cure for the $XXXX + $XXXX = $XXXX tolerance violations |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | 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 | 4000125379 | 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. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount oXXXXexceeds tolerance of XXXX XXXXover legal limit. Insufficient or no cure was provided to the borrower. XXXX | Reviewer Comment (2026-05-18): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-05-15): Comment from XXXX (XXXX): please see lender credits of $XXXX on final CD. This is the cure for the $XXXX + $XXXX = $XXXX tolerance violations |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | 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 | 4000125379 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-15): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-05-15): Comment from XXXX (XXXX): see attached |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125379 | 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 ofXXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000125379 | 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 ofXXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000125379 | 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 ofXXXX exceeds tolerance of XXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 2000000724 | 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 (2026-05-13): Accepted as is. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125507 | 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 not found in the file. | 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 | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124165 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal was not found in file. | Reviewer Comment (2026-05-18): Appraisal provided.
Cleared. Seller Comment (2026-05-18): Comment from Purchasing Team (XXXX): Appraisal attached. |
05/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Second Home | Purchase | D | B | D | B | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124165 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal was not found in file. | Reviewer Comment (2026-05-18): Appraisal provided.
Cleared. Seller Comment (2026-05-18): Comment from Purchasing Team (XXXX): Appraisal Subject Property |
05/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Second Home | Purchase | D | B | D | B | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124165 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application DateXXXX Most Recent Tax Return End DateXXXX Tax Return Due DateXXXX | 2025 Tax return extension on 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 | Second Home | Purchase | D | B | D | B | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124165 | 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 ver legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-05-20): 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 (2026-05-18): Comment from Purchasing Team (XXXX): I show the XXXX% fees as $XXXX title fees + $XXXX recording fee = $XXXX + XXXX% = $XXXX. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000124165 | 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 (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | D | B | D | B | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124165 | 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 ofXXXX exceeds tolerance ofXXXX plus 1XXXX orXXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | D | B | D | B | C | B | D | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000124165 | 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 (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | CA | Second Home | Purchase | D | B | D | B | C | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000126177 | 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 (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125943 | 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 (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000125943 | 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 | A | A | A | A | A | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000127482 | 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 (2026-05-19): Accepted as is. |
05/19/2026 | 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 | 4000124901 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing. | Reviewer Comment (2026-05-19): Received 1003 Final.
Exception cleared. Seller Comment (2026-05-19): Comment from XXXX (XXXX): attached ALL esigned docs :) including the 1003! |
05/19/2026 | 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 | 4000124901 | 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 for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-05-19): Received, Clearing. Seller Comment (2026-05-19): Comment from XXXX (XXXX): attached it has coverage |
05/19/2026 | 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 | 4000125812 | 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 (2026-05-19): Accepted as is. |
05/19/2026 | 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 | 4000128456 | 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 (2026-05-19): Accepted as is. |
05/19/2026 | 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 | 4000128456 | 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 (2026-05-19): Accepted as is. |
05/19/2026 | 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 | 2000000500 | 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 | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 2000000500 | 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 (2026-05-21): Received, Clearing. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 4000125315 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines, all interested persons' signatures are required in the Security Instrument. Please provide an updated security instrument signed by guarantor XXXX. | Reviewer Comment (2026-05-20): Entity certificate received
reflecting authorized signer is XXXX Seller Comment (2026-05-20): Comment from XXXX (XXXX): Please see uploaded executed entity certificates. XXXX is named as the authorized signer for the borrowing entity. |
05/20/2026 | 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 | 4000128788 | 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 (2026-05-20): Accepted as is. |
05/20/2026 | 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 | 4000128788 | 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 is after the later of the disbursement, note, or transaction date. | Reviewer Comment (2026-05-22): Received, Clearing. Seller Comment (2026-05-22): Comment from XXXX (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 | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128788 | 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 (2026-05-20): Accepted as is. |
05/20/2026 | 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 | 4000124976 | 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 (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124976 | 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 (2026-05-20): Accepted as is. |
05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124976 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided onXXXX 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. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated XXXX | The disclosed Finance Charge in the amount of XXXX is under disclosed byXXXX compared to the calculated Finance Charge of XXXX which exceeds the XXXXthreshold. | Reviewer Comment (2026-05-28): XXXX received PCCD, LOE,
Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-05-26): Comment from XXXX (XXXX): Because of the holiday weekend, it appears that XXXX has not yet picked up the package. We anticipate that it will be picked up sometime today or tomorrow. Reviewer Comment (2026-05-26): Courier doesn't show the package received by them at this time. Exception not curable until proof of mailing is available. Seller Comment (2026-05-22): Comment from XXXX (XXXX): Please see attached. Reviewer Comment (2026-05-22): As fee names and services can vary, lender should provide a lender's attestation or an attestation from the title company or settlement agent that gives the specific services & purpose of the fee in order to further determine. If the fee is related to the extension of credit and not a fee that would be charged in a comparable cash-only transaction, it could be excluded, but based on the fee name as is, we can only view as a typical concurrent loan service fee services & purpose, which typically "a concurrent loan services fee (also known as a tie-in fee) as an escrow or settlement charge applied when a second or subordinate loanis processed simultaneously with a primary transaction. This type fee is not listed under the 4(c)7 excludable fee types. XXXX tests according the regulatory guidance and SFA TRID GRID 4.0 requirements. Buyer Comment (2026-05-21): Comment from XXXX (XXXX): While working with XXXX, we have not previously included the Concurrent Loan Services Fee in the APR, and to our knowledge, this has never resulted in any issues. Therefore, we are having some difficulty understanding why we are now being asked to include the Concurrent Loan Services Fee in the APR calculation. Would it be possible to waive this condition? Reviewer Comment (2026-05-21): XXXX reviewed lender's compliance report. The issue relates to the Title-Concurrent Loan Services fee of $XXXX which was not included in the lender's finance charge calculation. A concurrent loan fee is related to the extension of credit and would not be charged in a comparable cash only transaction. This fee type is not reflected as an excludable fee according to 4(c)7 regulations. Finance Charge was underdisclosed by $XXXX which cure is due to borrower with a Corrected CD, LOE to borrower, copy of cure refund of $XXXX and proof of mailing. Seller Comment (2026-05-20): Comment from XXXX (XXXX): The Amount Financed and Finance Charge on page 5 of the CD match the Amount Financed and Finance Charge in the TRUTH-IN-LENDING SUMMARY on page 5 of 12 of the QM. Also, if you look at the CHARGES/PAYOFFS/FEES section on page 4 of 12 of the QM, the APR has been properly reflected there as well, just as we have always done. I honestly do not understand which part is being considered problematic. We have always structured the APR this way when working with XXXX, and it has never caused any issues before. I would appreciate it if you could explain specifically which part is the problem. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000126952 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Last page (signature page) of the Note is missing from file. | Reviewer Comment (2026-05-22): Corrected Note provided.
Clearing. Seller Comment (2026-05-22): Comment from XXXX (XXXX): See attached and I also shipped. XXXX Tracking # XXXX |
05/22/2026 | 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 | 4000124623 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 4506-C is missing with the correct SSN number. | Reviewer Comment (2026-05-27): 4506-C is not required.
Exception cleared. Buyer Comment (2026-05-27): Comment from XXXX (XXXX): 4506C is not required in limited doc programs. is this able to be waived? |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124623 | 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 Risk. | Reviewer Comment (2026-05-27): 4506-C is not required.
Exception cleared. |
05/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000124623 | 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. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-05-27): 4506-C is not required.
Exception cleared. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125751 | XXXXX | XXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-05-26): Spousal Consent not
required. Exception cleared. Buyer Comment (2026-05-26): Comment from XXXX (XXXX): N/A - counsel has advised that XXXX community property statutes are sufficiently granular to confirm spousal consent is not required |
05/26/2026 | 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 | 2000000706 | 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 (2026-05-21): Accepted as is. |
05/21/2026 | 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 | 2000000706 | 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 Management Company (Appraisal Review). 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 (2026-05-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000706 | 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 Attorney's Fee (Closing Agent and Other). Fee Amount of XXXX exceeds tolerance ofXXXX . Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. | Reviewer Comment (2026-05-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000000721 | 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 ofXXXX exceeds tolerance ofXXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-21): Sufficient Cure Provided At
Closing |
XXXXX | 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 | 2000000585 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception form reflecting approved for XXXX day late on HELOC, however the Lender exception form is not completed. Provide completed Lender exception form. | 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-22): Client elects to waive with
compensating factors Buyer Comment (2026-05-22): Exception form |
05/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 2000000662 | 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. | The date the valuation was delivered to the applicant is prior to the date when the valuation was performed. | Reviewer Comment (2026-05-21): Accepted as is. |
05/21/2026 | 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 | N/A | No | |||||||||||
| XXXXX | 4000126412 | 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 (2026-05-22): Client elects to waive |
05/22/2026 | 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 | 4000126412 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing ofXXXX are less than cash from borrower of $XXXX | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-27): Comment from XXXX (XXXX): Hello, Please see attached. Please re-calculate the Cash to close using the amount on the PCCD |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126412 | 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 (2026-05-22): Client elects to waive |
05/22/2026 | 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 | 4000121886 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject Mortgage is missing the signature page 26. | Reviewer Comment (2026-05-26): Received, Clearing. Seller Comment (2026-05-26): Comment from XXXX (XXXX): Please see uploaded executed DOT. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124584 | 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. | WVOE provided was dated more than 90 days prior to closing. | Reviewer Comment (2026-06-04): WVOE is allowed up 120 days
of closing Reviewer Comment (2026-06-04): Reopened Reviewer Comment (2026-05-27): 120 Days acceptable per guidelines. Buyer Comment (2026-05-27): Comment from XXXX (XXXX): As per the XXXX guideline, the WVOE is valid for 120 days, please check and advise |
06/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000124584 | 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, WVOE provided was dated more than 90 days prior to closing. | WVOE provided was dated more than 90 days prior to closing. | Reviewer Comment (2026-06-04): WVOE is allowed up 120 days
of closing Reviewer Comment (2026-06-04): Reopened Reviewer Comment (2026-05-27): 120 Days acceptable per guidelines. Buyer Comment (2026-05-27): Comment from XXXX (XXXX): As per the XXXX guideline, the WVOE is valid for 120 days, please check and advise |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124584 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | WVOE provided was dated more than 90 days prior to closing. | Reviewer Comment (2026-06-04): WVOE is allowed up 120 days
of closing |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127485 | 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 (2026-05-27): 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 | 4000126969 | 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 (Final title was not found in file). Unable to determine if appropriate coverage is provided. | 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 | C | B | B | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000126969 | 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. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000126969 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | Credit report fee paid to broker. Please provide invoice if borrower paid to a third party. | Reviewer Comment (2026-06-01): Fee paid to Advantage
Credit per closing disclosure Seller Comment (2026-06-01): Comment from XXXX (XXXX): The credit report fee was reimbursed to broker at closing |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000128453 | 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 not found in the file. | 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 | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128453 | 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 ofXXXX | Subject loan transaction disbursed onXXXX prior to three (3) business days from transaction date of XXXX | Reviewer Comment (2026-05-29): Received, Clearing. Seller Comment (2026-05-28): Comment from XXXX (XXXX): Hello, please see attached. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 6000121144 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2026-01-05): Secondary valuation (CDA)
received in file. Exception Cleared. Buyer Comment (2025-12-31): XXXX-Please see attached Reviewer Comment (2025-12-26): Require Desk review document for secondary valuation. Exception remains Buyer Comment (2025-12-23): XXXX-Please see attached |
01/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121144 | 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 (2026-05-08): CDFI lender testing ATR |
05/08/2026 | No | 2 | A | A | A | A | A | GA | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000121148 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow self-employed borrower for approximately 17 months (XXXX) vs program minimum requirement of 24 months of S/E. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Documentation Type: 12mo Bank Statement Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 DTI: XXXX% Guideline Maximum DTI: 50.00000% |
Originator,Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator,Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-02-20): Waived with compensating
factors per lender approved exception. Reviewer Comment (2026-02-18): Approved exception will need to explicitly state what was relied on pre-consummation for employment and income not meeting guidelines. The current approval indicates overall loan approval. Buyer Comment (2026-02-17): exception Reviewer Comment (2026-02-15): Condition reopened as loan is subject to ATR testing. Lender to provide approval detailing what was relied on pre-consummation to support self-employment of less than 24 months per guideline requirement. Reviewer Comment (2026-02-12): Lender approved exception at origination with compensating factors. Buyer Comment (2026-02-10): exception |
02/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||
| XXXXX | 6000121148 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. | Reviewer Comment (2026-02-12): Received 1008 with UW
discretion. Buyer Comment (2026-02-10): UW discretion |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | GA | Primary | Purchase | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121148 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Guidelines require third party verification within 20 business days of the Note date. The most recent dated CPA letter verifying existence of the business is dated 25 business days prior to the Note date. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Documentation Type: 12mo Bank Statement Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 DTI: XXXX% Guideline Maximum DTI: 50.00000% |
Originator,Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator,Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-02-20): Waived with compensating
factors per lender approved exception. Reviewer Comment (2026-02-18): Approved exception will need to explicitly state what was relied on pre-consummation for employment and income not meeting guidelines. The current approval indicates overall loan approval. Buyer Comment (2026-02-17): business verification |
02/20/2026 | No | 2 | B | B | B | B | B | GA | Primary | Purchase | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 6000121148 | 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 (2026-02-16): CDFI Lender testing ATR. |
02/16/2026 | No | 2 | A | A | A | A | A | GA | Primary | Purchase | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000121148 | 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. | Due to missing third party verification dated within 20 business days of Note date and self-employment less than 2 years, per guidelines. | Reviewer Comment (2026-02-20): Client-Facing Exempt QM/ATR
Equivalency is Non-QM. Reviewer Comment (2026-02-18): Approved exception will need to explicitly state what was relied on pre-consummation for employment and income not meeting guidelines. The current approval indicates overall loan approval. Buyer Comment (2026-02-17): see attached 3rd party business verification |
02/20/2026 | No | 1 | A | A | A | A | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXX | 6000121148 | 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. | Due to missing third party verification dated within 20 business days of Note date and self-employment less than 2 years, per guidelines. | Reviewer Comment (2026-02-20): Waived with compensating
factors per lender exception approval. Reviewer Comment (2026-02-18): Approved exception will need to explicitly state what was relied on pre-consummation for employment and income not meeting guidelines. The current approval indicates overall loan approval. Buyer Comment (2026-02-17): see attached 3rd party business verification |
02/20/2026 | No | 2 | B | B | B | B | B | GA | Primary | Purchase | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXX | 6000121148 | 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.) | 3 | Reviewer Comment (2026-02-20): Waived with compensating
factors per lender exception approval. Reviewer Comment (2026-02-18): Approved exception will need to explicitly state what was relied on pre-consummation for employment and income not meeting guidelines. The current approval indicates overall loan approval. Buyer Comment (2026-02-17): see attached 3rd party business verification |
02/20/2026 | No | 2 | B | B | B | B | B | GA | Primary | Purchase | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||||
| XXXXX | 6000121148 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing required 2 years' self-employment per guidelines and third party verification dated within 20 business days of Note date. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Documentation Type: 12mo Bank Statement Disposable Income: $XXXX Reserves: XXXX Guideline Requirement: 3.00 DTI: XXXX% Guideline Maximum DTI: 50.00000% |
Originator,Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator,Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-02-20): Waived with compensating
factors per lender approved exception. Reviewer Comment (2026-02-18): Approved exception will need to explicitly state what was relied on pre-consummation for employment and income not meeting guidelines. The current approval indicates overall loan approval. Buyer Comment (2026-02-17): see attached 3rd party business verification |
02/20/2026 | No | 2 | B | B | B | B | B | GA | Primary | Purchase | D | B | D | B | A | B | A | A | Non QM | Exempt from ATR | No | |||||||||||||
| XXXXX | 6000121165 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing: Telephone number for the borrower's employer must
be verified independently via any of the following: telephone book, internet, directory assistance, or by contacting the applicable licensing bureau |
Reviewer Comment (2026-02-13): Received TPV with self
employment phone number. Cleared
exception. Buyer Comment (2026-02-11): phone listing |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121165 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing: Telephone number for the borrower's employer must
be verified independently via any of the following: telephone book, internet, directory assistance, or by contacting the applicable licensing bureau |
Reviewer Comment (2026-02-13): Received TPV with self
employment phone number listing. Buyer Comment (2026-02-11): see attached phone listing |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121165 | 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 (2026-02-16): CDFI lender testing ATR Buyer Comment (2026-02-16): Please waive. |
02/16/2026 | No | 2 | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000121161 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified reserves short of required 9 months required. | Reviewer Comment (2026-02-13): Balance as of Closing date
updated for business account #XXXX. Buyer Comment (2026-02-11): XXXX #XXXX Balance was $XXXX prior to the wire to escrow. Buyer Comment (2026-02-11): XXXX #XXXX |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXX | 6000121179 | 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 (2026-05-08): CDFI lender testing ATR |
05/08/2026 | No | 2 | A | A | A | A | A | NJ | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 6000121261 | 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 (2026-03-19): CDFI lender testing ATR Buyer Comment (2026-03-17): Please waive. |
03/19/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121261 | 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 (3) 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. | Reviewer Comment (2026-03-18): XXXX received earliest
e-consent dated XXXX. Buyer Comment (2026-03-17): PFA |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121298 | 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 | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121298 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate dated XXXX not provided to the borrower within three business days of application XXXX | Reviewer Comment (2026-04-06): XXXX received XXXX initial
LE within 3 business days of application. Buyer Comment (2026-04-03): Please see attached Initial LE issued on XXXX Reviewer Comment (2026-04-02): The timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. Initial LE issued XXXX. On this loan, the LE should have been issued within 3 business days of the broker application date of XXXX. Buyer Comment (2026-04-01): Please see attached Buyer Comment (2026-04-01): Please see attched |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 6000121298 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-06): Consent received Buyer Comment (2026-04-02): Please see attched. |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121399 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | The final Closing Disclosure did not disclose receipt of gift funds for (XXXX). Also, provide verification of transfer of gift funds from donor. | Reviewer Comment (2025-12-15): Wire receipt and updated
CD. Buyer Comment (2025-12-11): Wire confirmation for transfer of gift funds directly to title attached. Buyer Comment (2025-12-11): Please see Doc ID D0235, PCCD reflects gift of $XXXX on page 3 of 5. |
12/15/2025 | 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 | 6000121343 | 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 (2026-04-01): CDFI lender testing ATR |
04/01/2026 | 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 | 6000121180 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-02-20): Received fraud report for
business entity. Exception cleared. Buyer Comment (2026-02-18): fraud |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121147 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insufficient Coverage Provided. | Reviewer Comment (2026-03-04): Received replacement cost
estimator email chain in the file. Exception Cleared. Buyer Comment (2026-03-02): Please find pages from email chain from insurance company agent regarding 100% replacement cost. Thank you. Reviewer Comment (2026-02-25): Require either replacement cost estimator or extended dwelling extension amount is required in hazard insurance. Exception Remains. Buyer Comment (2026-02-23): Please see dec page #2 with replacement cost. Thank you. |
03/04/2026 | 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 | 6000121280 | 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 (2026-04-06): CDFI lender testing ATR |
04/06/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121280 | 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. | Transfer Tax Fee Amount of $XXXX exceeds tolerance ofXXXX | Reviewer Comment (2026-04-08): 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 (2026-04-07): lender credit of $XXXX already given in final CD |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | 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 | Exempt from ATR | No | |||||||||
| XXXXX | 6000121280 | 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. | Zero percent fee tolerance exceeded. | Reviewer Comment (2026-04-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| XXXXX | 6000121312 | XXXXX | XXXXX | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Final HUD Addendum 92900-A is missing. | Closing statement provided is not signed by the title agent. | Reviewer Comment (2026-04-24): Received SS signed by
closing agent. Buyer Comment (2026-04-22): final SS |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121183 | 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 (2026-04-09): CDFI lender testing ATR |
04/09/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121183 | 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 bank statements for XXXX XXXX, and XXXX XXXX | Reviewer Comment (2026-04-15): Missing bank statements
received in trailing docs. |
04/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | 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 | 6000121183 | 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.) | The business bank statement for XXXX (XXXX,XXXX) is missing for the months of XXXX, XXXX, andXXXX | Reviewer Comment (2026-04-15): Missing bank statements
received in trailing docs. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121183 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | The business bank statements for XXXX, held with XXXX (XXXX), are missing for XXXX, XXXX, andXXXX | Reviewer Comment (2026-04-15): Missing statements
received. Income worksheet not
required. Reviewer Comment (2026-04-15): Income worksheet still missing in file. Exception remains. Buyer Comment (2026-04-13): see attached docs |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121183 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The business bank statements for XXXX, held with XXXX (XXXX), are missing for XXXX, XXXX, andXXXX | Reviewer Comment (2026-04-15): Bank statements
received. Income worksheet not
required. Reviewer Comment (2026-04-15): Income worksheet still missing in file. Exception remains. Buyer Comment (2026-04-13): see attached docs |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121183 | 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 business bank statements for XXXX, held with XXXX (XXXX), are missing for XXXX, XXXX, and XXXX | Reviewer Comment (2026-04-15): Missing bank statements
received in trailing docs. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121229 | 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 (2026-04-14): CDFI lender testing ATR |
04/14/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121229 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The file is missing a copy of the Initial 1003 signed and dated by all parties. | Reviewer Comment (2026-04-23): Received initial 1003.
Exception cleared. Buyer Comment (2026-04-21): pls see |
04/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121163 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Unable to verify 12 months of experience in past 3 years. Borrower is first time investor. | Reviewer Comment (2026-05-05): Received property history
report evidencing guarantor as experienced investor. FICO updated Exception
cleared. Buyer Comment (2026-05-01): Please see attached. Thank you. Buyer Comment (2026-05-01): Please see attached confirming Borr's experience as a landlord. Thank you. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121163 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Using lower list price from XXXX | Reviewer Comment (2026-05-05): Received property history
report evidencing guarantor as experienced investor. LTV updated. Exception
cleared. Buyer Comment (2026-05-01): Please see attached confirming Borr's experience as an experienced investor. Thank you. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121163 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide letter of explanation for the recent listing. | Reviewer Comment (2026-05-05): provided LOE for listing.
Exception cleared. Buyer Comment (2026-05-01): Please see Borrower loe attached. Thank you. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121333 | 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 exception due to loan designation discrepancy. | Reviewer Comment (2026-04-15): CDFI lender testing ATR |
04/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 6000121333 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide evidence of UW discretion for borrower living rent free with other than a spouse. | Reviewer Comment (2026-04-17): Received UW discretion
along with LOE stating borrower is living rent free. Exception Cleared. Buyer Comment (2026-04-15): Uw discretion |
04/17/2026 | 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 | Exempt from ATR | No | |||||||||||
| XXXXX | 6000121193 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC is required for all parties involved in the transaction - business entity is missing. | Reviewer Comment (2026-05-08): Received OFAC for all
parties involved in the transaction including business entity. Exception
Cleared. Buyer Comment (2026-05-06): fraud |
05/08/2026 | 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 | 6000121248 | 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 Commitment policy amount is blank. | Reviewer Comment (2026-04-13): Received supplemental
report with policy amount $XXXX. Exception cleared. Buyer Comment (2026-04-09): PFA Reviewer Comment (2026-04-07): Provided supplemental report does not reflect policy amount. Exception remains. Buyer Comment (2026-04-03): Please see attached Title Supplement with coverage amount |
04/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121248 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide a property report verifying the primary residence is owned free and clear and taxes are paid current. | Reviewer Comment (2026-04-15): Received property report.
Exception Cleared Buyer Comment (2026-04-13): PFA Reviewer Comment (2026-04-07): Received full reconveyance for primary residence. Provide updated property report verifying the primary residence is owned free and clear and taxes are paid current. Exception remains Buyer Comment (2026-04-03): Please see attached verification for the primary residence. |
04/15/2026 | 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 | 6000121248 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated HUD provided. | Reviewer Comment (2026-04-13): Received certified final
closing statement. Exception cleared. Buyer Comment (2026-04-09): PFA |
04/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121284 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-28): Received Title Final.
Exception Cleared. |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000121284 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title commitment/loan payoff in the file indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full or that the subject property was fully released from the lien. | Reviewer Comment (2026-04-28): Received Title Final.
Exception Cleared. Buyer Comment (2026-04-24): Final title |
04/28/2026 | 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 | 6000121246 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-04-07): Received OFAC for business
entity. Exception Cleared. Buyer Comment (2026-04-03): OFAC |
04/07/2026 | 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 | 6000121181 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | DSCR XXXX for rate/term LTVXXXX required FICO of XXXX | Reviewer Comment (2026-04-16): Lender updated matrices
received and XXXX FICO allowed. Reviewer Comment (2026-04-08): Loan closed XXXX; used matrix dated XXXX |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121152 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File sign missing final signed and dated HUD-1/Settlement Statement. Closing agent signature is missing. | Reviewer Comment (2026-04-08): Received HUD signed by all
parties. Exception cleared. Buyer Comment (2026-04-06): Final SS |
04/08/2026 | 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 | 6000121152 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation. | Reviewer Comment (2026-04-08): Received UW discretion for
borrower living rent free. Exception cleared. Buyer Comment (2026-04-06): Uw discretion |
04/08/2026 | 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 | 6000121311 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-24): Title Final Policy received
and policy amount verified. Exception Cleared. |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000121311 | 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 (2026-04-24): Title Final Policy received
and policy amount verified. Exception Cleared. Buyer Comment (2026-04-22): final |
04/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000121202 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | Provide OFAC for the borrowing entity. | Reviewer Comment (2026-04-20): Received fraud report with
OFAC search for the borrowing entity. Exception Cleared. Buyer Comment (2026-04-16): Lender accepts. Please waive with available compensating factors. Reviewer Comment (2026-04-15): Cleared in error. Reviewer Comment (2026-04-15): The received fraud report is post note dated. Exception Remains. Buyer Comment (2026-04-13): fraud Reviewer Comment (2026-04-09): Document provided is not dated to determine when it was obtained. Exception Remains. Buyer Comment (2026-04-07): Ofac |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121202 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide a complete final HUD. Page 2 of copy provided is cut off at top. | Reviewer Comment (2026-04-09): Received Final HUD with all
pages. Exception Cleared. Buyer Comment (2026-04-07): Final SS |
04/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121215 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Provide evidence of the XXXXpayment for the primary residence. | Reviewer Comment (2026-04-14): Per lender, no evidence of
XXXX payment on primary; however, guidelines allow 1x30 mortgage lates with
no reduction. Buyer Comment (2026-04-14): Subject property is a purchase; no payments. Primary property- Program permits 1x30; no reduction; We do not have XXXX payment. |
04/14/2026 | 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 | 6000121329 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for <12 months housing history. Compensating factorXXXXDSCR and FICOXXXX | 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. |
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. 70% LTV |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-04-07): Client elects to down grade
and waive using compensating factors The representative FICO score exceeds the guideline minimum by at least XXXX points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000121329 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing final HUD-1/Settlement Statement signed by the closing agent. | Reviewer Comment (2026-04-20): Executed Final Closing
Statement received and verified the details. Exception Cleared. Buyer Comment (2026-04-16): Final SS Reviewer Comment (2026-04-14): Provided Closing Statement is missing signature page. Provide a final HUD/Closing Statement signed by all parties or stamped true and certified by title agent. Exception remains. Buyer Comment (2026-04-10): final SS |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121329 | XXXXX | XXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Property is currently listed for sale | Reviewer Comment (2026-04-14): Letter and Explanation and
Property history report provided to confirm listing was removed prior to
application date. Exception Cleared. Buyer Comment (2026-04-10): redfin not listed Buyer Comment (2026-04-10): cert Buyer Comment (2026-04-10): loe |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 6000121279 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | HUD is not signed by all parties. | Reviewer Comment (2026-04-28): Executed Final Closing
Statement received and verified the details. Exception Cleared. Buyer Comment (2026-04-24): Please find attached-AV |
04/28/2026 | 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 | 6000121383 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | File is missing a signed and dated credit application. | Reviewer Comment (2026-04-30): Received Credit Application
with signed. Exception Cleared. Buyer Comment (2026-04-28): commercial app Reviewer Comment (2026-04-22): The received credit application reflects a different borrower. Exception Remains. Buyer Comment (2026-04-20): please disregard previous document; wrong app Buyer Comment (2026-04-20): commercial app |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121383 | 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 (2026-04-24): Received Final Closing
Statement in the file. Exception Cleared. Buyer Comment (2026-04-22): Final SS |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121383 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | File is missing final HUD-1/Settlement Statement. | Reviewer Comment (2026-04-24): Received Final Closing
Statement in the file. Exception Cleared. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121211 | 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 (2026-04-23): Final SS. Buyer Comment (2026-04-21): Final SS |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121211 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion documentation. | Reviewer Comment (2026-04-23): UW discretion. Buyer Comment (2026-04-21): UW discretion |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121367 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Provide the lease for the primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX Guideline Requirement: 0.00 |
SitusAMC | Reviewer Comment (2026-04-30): Waived with compensating
factors per lender exception approval. Buyer Comment (2026-04-28): Please see exception attached. Thank you. |
04/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000121367 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | First Time Investor requires a XXXX | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: XXXX Guideline Requirement: 0.00 |
SitusAMC | Reviewer Comment (2026-04-30): Waived with compensating
factors per lender exception approval. Buyer Comment (2026-04-28): Please see exception attached. Thank you. Reviewer Comment (2026-04-21): A minimum FICO score of XXXX is required for a First-Time Investor. Exceptions Remains. Buyer Comment (2026-04-17): Please see matrix with a XXXX-fico max ltv is XXXX%. Thank you. |
04/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXX | 6000121330 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD-1 or Closing Statement document is missing. | Reviewer Comment (2026-04-29): Received closing statement
signed/dated by all parties. Exception cleared. Buyer Comment (2026-04-27): Please see attached. Thank you. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121380 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC for business entity. | Reviewer Comment (2026-04-29): OFAC for business entity.
received and verified. Exception cleared Buyer Comment (2026-04-27): Fraud report |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121380 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Due to the evidence of 2 months rent receipt was not provided. | Reviewer Comment (2026-05-08): First month rent and
security deposit received and verified the details. Exception Cleared. Buyer Comment (2026-05-06): first month rent and security deposit |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000588 | 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 XXXXplus XXXX or XXXX Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||||
| XXXXX | 2000000588 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | HOA has not been turned over due to pending phases. Subject phase was approved, but recently expired. | 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 qualifying DTI on the loan is at least 10% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-27): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
05/27/2026 | 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 | 4000129392 | 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 (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000781 | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Agricultural zoned properties (may be considered on a
case-by-case basis and will require an investor exception approval, subject to an LLPA. |
Reviewer Comment (2026-06-01): Specific zoning per
appraisal is rural residential |
06/01/2026 | 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 | 4000127325 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | 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 | 4000127325 | 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 (2026-05-28): Accepted as is. |
05/28/2026 | 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 | 4000126990 | 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 (2026-05-28): Accepted as is. |
05/28/2026 | 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 | 4000126990 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | PRA card is missing. | Reviewer Comment (2026-05-28): v |
05/28/2026 | 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 | 4000126990 | 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 the file. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | 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 | 4000126990 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Missing permanent resident alien card | Reviewer Comment (2026-06-02): Received Permanent Resident
Card. Exception cleared. Seller Comment (2026-06-02): Comment from XXXX (XXXX): copy of PRA |
06/02/2026 | 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 | 4000127119 | 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 (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127119 | 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 XXXXprior to three (3) business days from transaction date ofXXXX | As per RTC document Subject loan transaction disbursed on XXXXwhich is prior to three (3) business days from transaction date of XXXX | Reviewer Comment (2026-05-29): Received, Clearing. Seller Comment (2026-05-28): Comment from XXXX (XXXX): File was disbursed XXXX which was more than 3 business days after signing. Uploading final closing statement. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128458 | 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 (2026-05-28): Accepted as is. |
05/28/2026 | 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 | 4000128458 | 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 (2026-05-28): Accepted as is. |
05/28/2026 | 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 | 4000128002 | 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 (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127266 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | 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 | 4000128459 | 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 the file. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | 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 | 6000121262 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. | Reviewer Comment (2026-04-01): Received final closing
statement. Exception cleared. Buyer Comment (2026-03-30): SS uploaded. Reviewer Comment (2026-03-25): Provided closing statement is not signed by settlement agent. Require the final Closing Statement fully executed by all parties or stamped true and certified. Exception remains. Buyer Comment (2026-03-23): Final SS |
04/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NE | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121234 | 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. | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. | Reviewer Comment (2026-03-31): Received non-Owner
occupancy certificate with borrower principal address. Exception Cleared. Buyer Comment (2026-03-27): non-Owner |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121212 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | For a Condo, the required minimum square footage is XXXX. Ft. and subject is XXXXft. | Borrowers made a down payment from their own funds on this
purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
Loan to Value: XXXX% Guideline Maximum Loan to Value: 65.00000% |
SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-05-19): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-05-15): exception Reviewer Comment (2026-05-13): Revised exception received, removing DSCR as comp fator; however, it now indicates there are 66 months of reserves, which are not documented in the file. File contains a business account that is not our borrowing entity; however, operating agreement does not reflect our guarantor's percent of ownership and file does not contain required CPA letter stating use of business funds is allowed. Buyer Comment (2026-05-11): exception Buyer Comment (2026-05-11): PITIA is P&I=$XXXX D0263, Tax $XXXX/XXXX=$XXXX D0380 , Ins $XXXX/12=$XXXX D0325 and HOA XXXX per month D0207 =$XXXX Reviewer Comment (2026-05-08): Received exception approval; however, it states DSCR is greater than XXXX%,. Based on 1007 in file market rent is $XXXX and DSCR is .XXXX. Updated exception approval required with revised comp factors for review. Buyer Comment (2026-05-06): exception |
05/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||
| XXXXX | 6000121212 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | For the alternate tradelines from XXXX, provide status of account confirming no negative ending or starting balances or NSFs for the past 12 months. | Reviewer Comment (2026-05-08): 12 months bank statements
received Buyer Comment (2026-05-06): 12 months bank statements |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121247 | 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 (2026-05-01): Received title prelim.
Exception cleared. Buyer Comment (2026-04-29): See title prelim attached. Thank you. Buyer Comment (2026-04-29): See title supplement attached. Thank you. |
05/01/2026 | 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 | 6000121247 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final closing statement. | Reviewer Comment (2026-05-01): Received certified closing
statement. Exception cleared. Buyer Comment (2026-04-30): Please see attached. Thank you. |
05/01/2026 | 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 | 6000121315 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification required. | Reviewer Comment (2026-05-08): Received Tax verification
and HOI document of primary residence, information validated, Exception
cleared. Buyer Comment (2026-05-06): translated pg 3 Buyer Comment (2026-05-06): translated pg 2 Buyer Comment (2026-05-06): translated pg 1 Buyer Comment (2026-05-06): tax bill Buyer Comment (2026-05-06): dated hoi letter Reviewer Comment (2026-05-05): Provided letter of explanation document for HOI does not have date in it, also we would require document for Tax verification of property "XXXX" to clear the exception. Exception Remains. Buyer Comment (2026-05-01): HOI letter |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No | ||||||||||
| XXXXX | 6000121315 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided | Reviewer Comment (2026-04-29): Bank letter. Buyer Comment (2026-04-27): Foreign National credit reference |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No | ||||||||||||
| XXXXX | 6000121315 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing tax and insurance verification for primary residence. | Reviewer Comment (2026-05-08): Received Tax verification
and HOI document of primary residence, information validated, Exception
cleared. Buyer Comment (2026-05-07): see attached docs |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXX | 6000121315 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing credit reference letter converted to english. | Reviewer Comment (2026-04-29): Bank letter. Buyer Comment (2026-04-27): see attached |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXX | 4000126852 | 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 (2026-06-05): Client elects to waive |
06/05/2026 | 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 | 4000127058 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Provide OFAC for the Trust. | Reviewer Comment (2026-04-13): Received OFAC Search for
the trust. Exception cleared. Buyer Comment (2026-04-09): OFAC attached |
04/13/2026 | 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 | 4000127058 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide clarification on borrowers' primary residence address. First page of 1003 reflects XXXX; however, REO section of 1003 and fraud report reflectsXXXX. The disclosed address appears as REO number 10 on the fraud report; however, reflects reported as ofXXXX6 (which appears to tie in with our application date) and states no information is available. Evidence these are one and the same property, or evidence of borrowers' primary housing history reflecting no more than XXXXwill be required. | 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: 660 Representative FICO: XXXX |
SitusAMC SitusAMC |
Reviewer Comment (2026-04-17): Cleared based on the
additional signed LOE from the borrower. Reviewer Comment (2026-04-16): Provided 1003 is not signed and dated. Please provide final 1003 with signed and dated. Exception remains. Buyer Comment (2026-04-14): Updated 1003 attached Reviewer Comment (2026-04-13): Please provide updated 1003 with REO section corrected to reflect primary residence address as indicated on the documents referenced, and to match the first page of the 1003. Buyer Comment (2026-04-09): Please cancel this exception. Documentation was previously provided. Refer to D0483 and D0371. |
04/17/2026 | 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 | 4000127077 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by XXXX Provide updated policy reflecting minimum coverage of XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-01): Received hazard Insurance
with coverage equal to the loan amount. Exception cleared. Buyer Comment (2026-04-30): HOI |
05/01/2026 | 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 | 4000127077 | 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. Closing agent did not sign. | Reviewer Comment (2026-05-01): Received HUD-1 signed/dated
by all parties. Exception cleared. Buyer Comment (2026-04-29): Final SS |
05/01/2026 | 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 | 4000127077 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Appraiser did not break down short term rental amount for each unit to determine DSCR. | Reviewer Comment (2026-05-01): Short Term Rental Rent
Schedule is provided for all 4 units as per appraiser comments. Exception
cleared. Buyer Comment (2026-04-29): Guidelines do not require the appraiser to breakdown each unit. per guidelines, 1007 / 1025 / STR Rental Rate Analysis • A 1007, 1025, or STR Rental Rate Analysis prepared by the appraiser may be used to determine market rents |
05/01/2026 | 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 | 4000127077 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance address reflects Unit A B C D which does not match the Note address. | Reviewer Comment (2026-05-01): Received hazard Insurance
with correct address. Exception cleared. Buyer Comment (2026-04-30): see attached HOI |
05/01/2026 | 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 | 4000127077 | XXXXX | XXXXX | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood certificate does not include 400 as reflected on the Note. | Reviewer Comment (2026-05-01): Received Flood Certificate
with correct address. Exception cleared. Buyer Comment (2026-04-29): flood |
05/01/2026 | 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 | 4000127077 | XXXXX | XXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | Reviewer Comment (2026-05-01): Short Term Rental Rent
Schedule is provided for all 4 units as per appraiser comments. Exception
cleared. Buyer Comment (2026-04-29): short term rental schedule was provided. |
05/01/2026 | 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 | 4000127077 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided | Reviewer Comment (2026-05-01): Short Term Rental Rent
Schedule is provided for all 4 units as per appraiser comments. Exception
cleared. Buyer Comment (2026-04-29): not required if short term rental by appraiser was provided |
05/01/2026 | 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 | 4000127145 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Unable to verify 12 months' mortgage history for the primary residence. Please provide payment history or verification the subject property is owned free & clear. Underwriter discretion may apply. | Reviewer Comment (2026-05-20): VOR for lot rent on mobile
home owned free and clear received. Buyer Comment (2026-05-18): Property is a mobile home free and clear and rents the land. This reflects VOR of the land. Please clear. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | WA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127079 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide an appraisal invoice for appraisal (XXXX) completed and signed on XXXX | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: XXXX |
Originator,SitusAMC | Reviewer Comment (2026-05-06): Waived with compensating
factors per lender direction. Buyer Comment (2026-05-06): Please waive. Reviewer Comment (2026-05-05): Invoice received was already in file. Please provide invoice for appraisal completed by XXXX Buyer Comment (2026-05-05): invoice that matches appraisal uploaded XXXX Reviewer Comment (2026-05-05): Condition is not asking for full appraisal report. This is a transferred appraisal and we are missing the invoice as required for business purpose loans. Buyer Comment (2026-05-05): appraisal |
05/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000127079 | 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 ___. | Investor overlay requires 6 months' reserves for loan amounts above $XXXX Loan file only contains assets sufficient for 4.90 months' reserves. Appraisal invoice in file does not reflect paid by our borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660 Representative FICO: XXXX |
Originator,SitusAMC | Reviewer Comment (2026-05-04): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-05-04): exception |
05/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXX | 4000127059 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | 1008 notes indicate HELOC funds are being used in subject transaction; however, the HELOC advance in the amount of XXXX shown on the 2/28 HELOC statement was already accounted for on the bank statement for account XXXX endingXXXX. If there are additional HELOC funds being used in the subject transaction, please provide documentation supporting the advance and transfer to the settlement agent of these funds. | Reviewer Comment (2026-05-19): Additional assets received
in trailing documents, resulting in sufficient funds to close. Buyer Comment (2026-05-18): Asset Documentation |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127059 | 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 ___. | Investor overlay for loan amounts above $XXXX requires 6 months' reserves, which are not documented in the file. | 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. |
Guidelines Representative FICO: 660 Representative FICO: XXXX |
SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-05-20): Waived with compensating
factors per lender approved exception received in trailing documents. Buyer Comment (2026-05-20): See Exception Approval for Reserves Reviewer Comment (2026-05-19): Additional assets received; however, based on the available assets on the day of closing, file is still short the required 6 months reserves required per the investor overlay. Reviewer Comment (2026-05-19): 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. |
05/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| XXXXX | 4000127065 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-16): E-Sign Consent Agreement
received. Exception cleared. Buyer Comment (2026-04-14): E-consent is attached |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 6000121233 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD is missing in the file | Reviewer Comment (2026-05-01): Received final closing
statement document. Verified and updated details. Exception Cleared. Buyer Comment (2026-04-29): Please see HUD-1 attached. Thank you. |
05/01/2026 | 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 | 6000121233 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Borrower has insufficient funds to close. Unable to verify funds from borrower due to missing closing statement/HUD. | Reviewer Comment (2026-06-02): Gift funds and paid
invoice. Buyer Comment (2026-06-01): Please see gift letter attached. Thank you. Reviewer Comment (2026-06-01): Provide confirmation of where the funds came from. Buyer Comment (2026-05-29): Please see two separate wires to title total of $XXXX. Thank you. Reviewer Comment (2026-05-20): Received same closing statement as in original submission. EMD $XXXX + $XXXX POC appraisal + $$XXXX due from borrower on bottom of page 2 = $XXXX. File only contains documentation of $XXXX in verified assets. Buyer Comment (2026-05-19): Please see attached. Thank you. Buyer Comment (2026-05-19): Please see attached. Reviewer Comment (2026-05-14): The closing statement provided reflects $XXXX in the debit column; however, the next column shows $XXXX due from the borrower, which matches the transaction itself: There is an EMD of $XXXX + $XXXX POC appraisal + $XXXX due from the borrower to arrive at the total amount due of $XXXX for the transaction. Reviewer Comment (2026-05-12): 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. Buyer Comment (2026-05-12): XXXX PLEASE note (per HUD sent) Borrower needed -0- funds to close. Thank you. |
06/02/2026 | 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 | 6000127396 | 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 (2026-05-27): CDFI lender testing ATR. Buyer Comment (2026-05-22): Please waive. |
05/27/2026 | 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 | 6000127399 | 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 (2026-05-22): CDFI lender testing ATR |
05/22/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 6000103769 | XXXXX | XXXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2025-12-03): Received Condo Review Form.
Exception Cleared. Buyer Comment (2025-12-01): Condo project approval |
12/03/2025 | 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 | 4000131300 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-04-29): Articles of
Organization/Formation received and verified the details. Exception
Cleared. Buyer Comment (2026-04-27): Articles of Organization attached. Reviewer Comment (2026-04-16): Articles of Organization/Formation not received in the file. Exception Remains. Buyer Comment (2026-04-14): LLC formation docs attached. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131300 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide ownership evidence of the Chase account ending with XXXX | Reviewer Comment (2026-04-29): Bank statement received and
ownership verified for XXXX account ending with XXXX. Exception Cleared. Buyer Comment (2026-04-27): Evidence of ownership of XXXX account ending in XXXX. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131300 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrowers XXXX rent payment was paid with cash and a handwritten receipt was provided. This does not meet guidelines. | Reviewer Comment (2026-04-29): Verification of rent till
XXXX received and verified the details. Exception Cleared. Buyer Comment (2026-04-27): Evidence of XXXX rent payment attached. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129930 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-05-08): Received 1004 and CDA with
the same effective date. Exception cleared. Buyer Comment (2026-05-06): please disregard previous comment; Appraisal was dated XXXX; CDA updated Buyer Comment (2026-05-06): appraisal dated XXXX |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | C | A | N/A | No | |||||||||||||||
| XXXXX | 4000129930 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide evidence of March payment for the primary residence. | Reviewer Comment (2026-04-28): Credit supplement. Buyer Comment (2026-04-24): credit supplement |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000129930 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | The file is missing the final HUD-1. Copy in file is an estimate and was not signed by all parties. | Reviewer Comment (2026-05-04): Received certified closing
statement. Exception cleared. Buyer Comment (2026-04-30): final SS |
05/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | A | D | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000131298 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by XXXX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-05-29): Updated 100% replacement
cost coverage as per provided Hazard Insurance Policy. Exception Cleared. Buyer Comment (2026-05-27): 100% replacement cost coverage |
05/29/2026 | 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 | 6000112285 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Required appraisal transfer letter from the XXXX. | Reviewer Comment (2026-02-20): Appraisal transfer Letter
is not required as per guidelines, associated appraisal invoice. Exception
cleared. Buyer Comment (2026-02-18): Per guidelines, XXXX Acc does not require transfer letter. Only appraisal invoice. D0399 |
02/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Rate/Term | B | A | A | A | A | A | B | A | Exempt from ATR | N/A | No | ||||||||||
| XXXXX | 6000114090 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing Certificate of Good Standing dated within 90 days of the Note date. | Reviewer Comment (2026-02-26): Business Entity Listing
document received and associated. Exception Cleared. Buyer Comment (2026-02-24): Please accept in place of a cert of good standing as documents reflects the same information. Thank you. |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | Exempt from ATR | N/A | No | |||||||||||
| XXXXX | 4000127081 | XXXXX | XXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | The Appraisal disclosed that property was listed for sale within the last 12 months. Please provide a letter of explanation disclosing the reason for the property was listed, and evidence that it was taken off the market prior to the Note date. | Reviewer Comment (2026-04-20): Subject property listing
withdrawn and terminated date are provided on Appraisal Report. Exception
cleared. Buyer Comment (2026-04-16): XXXX, PLEASE note the appraiser make all of the necessary comments on the 1007 with regards to the XXXX listings & then subtracting 20%. Also, the appraiser already provided the date the subject was withdrawn & the date the listing was terminated. Lastly, we do not require a loe from the Borrower regarding the reason for the listing. That is all that is required per XXXX guidelines. Thank you. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000127081 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided | Missing Document: Vacation Rental Income Statement (XXXX, XXXX, etc.) not provided | Reviewer Comment (2026-04-20): Form 1007 with short term
rental comparable with estimated monthly amount and Appraiser's comments is
provided. Exception cleared. Buyer Comment (2026-04-16): XXXX, PLEASE note the appraiser make all of the necessary comments on the 1007 with regards to the XXXX listings & then subtracting 20%. Also, the appraiser already provided the date the subject was withdrawn & the date the listing was terminated. That is all that is required per XXXX guidelines. Thank you. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127081 | 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 ___. | Per investor overlay 6 months reserves are required. | 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. |
Debt Service Coverage Ratio: XXXX Guideline Requirement: 1.00 Guidelines Representative FICO: 660 Representative FICO: XXXX |
Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-07-02): Waived with compensating
factors per lender exception approval. Buyer Comment (2026-07-01): Exception |
07/02/2026 | No | 2 | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No |