Exhibit 99.04 Schedule 4
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | XXXX | 4000099247 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | 4000111227 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-01-16 13:10 | 2026-01-16 13:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/16/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-01/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 720 Borrower has
766 Required is 720 Borrower has 766 LTV is less than guideline maximum - Required is 65 Borrower has 33.33 Required is 65 Borrower has 33.33 Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.16 Required is 50 Borrower has 34.16 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX | ||||
| XXXX | 4000111497 | D | A | D | A | D | A | A | A | Closed | FCRE1293 | 2026-01-30 12:42 | 2026-03-11 13:13 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received 1003 -
Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Uploaded. See updated 1003. - Seller-03/10/2026 Counter-Received updated 1008 and Cancellation. Missing updated 1003. - Due Diligence Vendor-03/09/2026 Ready for Review-Document Uploaded. Please See Cancellation - Seller-03/06/2026 Counter-Please provide documentation to support the cancellation. - Due Diligence Vendor-03/02/2026 Ready for Review-Rebuttal - The loan is cancelled. There is only one mortgage (XXXX). We have provided VOM And insurance, tax cert. Updated 1003 and 100 also provided. - Seller-02/25/2026 Counter-Received RE Taxes and HOI. Review is unable to match PITIA reflecting on 1003. Please clarify if new loan originated or in process. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Uploaded. See REO #3B. - Seller-02/19/2026 Open-Income 2 Months Income Verified is Missing REO 3B: missing taxes, insurance, lease and HOA if applicable. - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document
Uploaded. Uploaded. See updated 1003. - Seller-03/10/2026 Ready for Review-Document Uploaded. Please See Cancellation - Seller-03/06/2026 Ready for Review-Rebuttal - The loan is cancelled. There is only one mortgage (XXXX). We have provided VOM And insurance, tax cert. Updated 1003 and 100 also provided. - Seller-02/25/2026 Ready for Review-Document Uploaded. Uploaded. See REO #3B. - Seller-02/19/2026 |
Resolved-Received 1003 -
Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
750 LTV is less than guideline maximum - Required is 70 Borrower has 49.95 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.1 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000111497 | D | A | D | A | D | A | A | A | Closed | FCRE1294 | 2026-01-30 12:42 | 2026-03-09 19:52 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Received
documentation to support Free and Clear. - Due Diligence Vendor-02/11/2026
Ready for Review-Document Uploaded. Uploaded. See REO 3C. - Seller-02/09/2026 Open-Income 3 Months Income Verified is Missing REO 3C: missing proof of no mortgage. - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document
Uploaded. Uploaded. See REO 3C. -
Seller-02/09/2026 |
Resolved-Received
documentation to support Free and Clear. - Due Diligence Vendor-02/11/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
750 LTV is less than guideline maximum - Required is 70 Borrower has 49.95 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.1 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000111497 | D | A | D | A | D | A | A | A | Closed | FCOM1271 | 2026-01-21 10:55 | 2026-02-27 08:03 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved-Received CHARM
Booklet dated XXXX. Finding resolved.
- Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Uploaded. See Charm Handbook. - Seller-02/25/2026 Open-CHARM Booklet is Missing Missing Charm booklet acknowledgement. - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document
Uploaded. Uploaded. See Charm Handbook. - Seller-02/25/2026 |
Resolved-Received CHARM
Booklet dated XXXX. Finding resolved.
- Due Diligence Vendor-02/27/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
750 LTV is less than guideline maximum - Required is 70 Borrower has 49.95 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.1 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000111497 | D | A | D | A | D | A | A | A | Closed | FCOM1270 | 2026-01-21 09:46 | 2026-02-27 08:02 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received ARM
Disclosure dated XXXX. Finding
resolved. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. Uploaded. See Arm Disclosure. - Seller-02/25/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date ARM Disclosure signed on XXXX. - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document
Uploaded. Uploaded. See Arm Disclosure. - Seller-02/25/2026 |
Resolved-Received ARM
Disclosure dated XXXX. Finding
resolved. - Due Diligence Vendor-02/27/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
750 LTV is less than guideline maximum - Required is 70 Borrower has 49.95 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.1 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000111497 | D | A | D | A | D | A | A | A | Closed | FCRE5782 | 2026-01-30 12:55 | 2026-02-11 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap
Report. - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Uploaded. See updated 1008. - Seller-02/09/2026 Counter-Received credit refresh reflecting significant increases in balances and payments. Provide updated 1008 and 1003 reflecting changes for the following XXXX payment. (please note review has not added to dti as of yet) - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/03/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/30/2026 |
Ready for Review-Document
Uploaded. Uploaded. See updated 1008. - Seller-02/09/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull Credit Report. - Seller-02/03/2026 |
Resolved-Received Gap
Report. - Due Diligence Vendor-02/11/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
750 LTV is less than guideline maximum - Required is 70 Borrower has 49.95 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.1 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000119375 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-02-18 17:00 | 2026-02-20 16:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SSA-89
- Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. The documents were already included in the original package (Page 136. 137), but I am re-attaching it for your convenience - Seller-02/18/2026 Open-Fraud Report Shows Uncleared Alerts The fraud report reflects alerts for both borrowers socia; security number, no documentation to support the alert has been cleared. - Due Diligence Vendor-02/18/2026 |
Ready for Review-Document
Uploaded. The documents were already included in the original package (Page
136. 137), but I am re-attaching it for your convenience -
Seller-02/18/2026 |
Resolved-Received SSA-89
- Due Diligence Vendor-02/20/2026 |
DSCR =/> 1.00 and
minimum is 0.85 or Less - Minimum required is 0.0, calculated 1.085. Required
is 0 Borrower has 1.085 Qualifying FICO score is at least 20 points above minimum for program - Required is 0 Borrower has 740 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000119374 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-02-12 07:48 | 2026-02-23 07:17 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received
COC XXXX. FInding resolved. - Due
Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. Please review - Seller-02/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $5.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $5.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document
Uploaded. Please review - Seller-02/20/2026 |
Resolved------Received
COC XXXX. FInding resolved. - Due
Diligence Vendor-02/23/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
787 LTV is less than guideline maximum - Required is 80 Borrower has 66.67 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.09 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000119374 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-02-12 07:33 | 2026-02-12 07:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/12/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
787 LTV is less than guideline maximum - Required is 80 Borrower has 66.67 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.09 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000119377 | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2026-02-13 15:40 | 2026-02-20 07:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Client provided
Fraud Report OFAC Check Completed and Cleared - Due Diligence
Vendor-02/20/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-02/18/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document
Uploaded. PLEASE SEE ATTACHED - Seller-02/18/2026 |
Resolved-Client provided
Fraud Report OFAC Check Completed and Cleared - Due Diligence
Vendor-02/20/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
767 LTV is less than guideline maximum - Required is 70 Borrower has 55.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000119377 | D | A | D | A | A | A | A | A | Closed | FCRE1206 | 2026-02-13 15:40 | 2026-02-20 07:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided
All Interested Parties Checked against Exclusionary Lists - Due Diligence
Vendor-02/20/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-02/18/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document
Uploaded. PLEASE SEE ATTACHED - Seller-02/18/2026 |
Resolved-Client provided
All Interested Parties Checked against Exclusionary Lists - Due Diligence
Vendor-02/20/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
767 LTV is less than guideline maximum - Required is 70 Borrower has 55.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000119377 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-02-13 05:41 | 2026-02-20 07:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Client provided
Fraud Report - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-02/18/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document
Uploaded. PLEASE SEE ATTACHED - Seller-02/18/2026 |
Resolved-Client provided
Fraud Report - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
767 LTV is less than guideline maximum - Required is 70 Borrower has 55.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000115689 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-02-11 12:02 | 2026-07-02 12:39 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-07/02/2026 Open-Required Affiliated Business Disclosure Missing. - Due Diligence Vendor-07/02/2026 |
Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-07/02/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
784 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 21.47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000115689 | C | B | A | A | C | B | A | A | Closed | finding-3625 | 2026-02-11 14:00 | 2026-02-20 08:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved------Upon
further review, finding ressolved. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. - Seller-02/19/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Credit Report Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX - Due Diligence Vendor-02/11/2026 |
Ready for Review-Document
Uploaded. - Seller-02/19/2026 |
Resolved------Upon
further review, finding ressolved. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
784 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 21.47 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000117311 | C | B | C | A | B | B | A | A | Closed | FCRE1491 | 2026-02-25 18:47 | 2026-03-03 10:12 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further
review, the borrower had sufficient verified funds and the guides indicate
there is no minimum contribution from the borrower's funds required. - Due
Diligence Vendor-03/02/2026 Open-Asset Qualification Does Not Meet Guideline Requirements unable to verify "sufficient borrower contribution" most of the funds are from gift funds - EMD of $XXXX (listed on Final CD) requires verification. Wire receipt of funds in the amount of $XXXXX from borrowerdated XXXX in file, however no evidence funds came directly from the borrower and the amount of EMD is less than the deposit amount listed on the final CD. Please provide evidence the deposit listed on the final CD ($XXXXX) is a direct borrower contribution. - Due Diligence Vendor-02/25/2026 |
Resolved-After further
review, the borrower had sufficient verified funds and the guides indicate
there is no minimum contribution from the borrower's funds required. - Due
Diligence Vendor-03/02/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 49.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000117311 | C | B | C | A | B | B | A | A | Closed | FCOM1301 | 2026-02-24 14:47 | 2026-02-25 09:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Fired in error. - Due Diligence Vendor-02/25/2026 | Waived-The Home Loan
Toolkit disclosure is missing. Fired in error. - Due Diligence
Vendor-02/25/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 49.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000119386 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-02-17 15:51 | 2026-03-18 14:29 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD
dated XXXX with disbursement date after ROR expiration date. Finding
resolved. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-03/16/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Option 1: Provide PCCD with disbursement date after the ROR expiration date. Option 2: The Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document
Uploaded. Uploaded. See PCCD. - Seller-03/16/2026 |
Resolved-Received PCCD
dated XXXX with disbursement date after ROR expiration date. Finding
resolved. - Due Diligence Vendor-03/18/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
744 Required is 660 Borrower has 744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.74 Required is 49.99 Borrower has 39.74 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000117603 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2026-02-19 09:13 | 2026-02-25 07:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved------Client
attestation, fee is lender-paid broker compensation. Finding resolved. - Due Diligence
Vendor-02/25/2026 Ready for Review-it's a lender-paid broker compensation fee. Please remove this condition. - Seller-02/24/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-02/19/2026 |
Ready for Review-it's a
lender-paid broker compensation fee. Please remove this condition. -
Seller-02/24/2026 |
Resolved------Client
attestation, fee is lender-paid broker compensation. Finding resolved. - Due Diligence
Vendor-02/25/2026 |
Months Reserves exceed
minimum required - 4 months required - have 11.9 months Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 816 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000117603 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-02-18 14:07 | 2026-02-18 14:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-02/18/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-02/18/2026 |
Months Reserves exceed
minimum required - 4 months required - have 11.9 months Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 816 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000117597 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000117604 | C | B | A | A | C | B | A | A | Closed | FCOM1353 | 2026-02-27 12:50 | 2026-03-02 13:40 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/02/2026 | Waived-The Incorrect ROR
Form Type is selected in light of the Same Creditor or Lender Affiliate
Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same
Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver
applied to non-material Findings. - Due Diligence Vendor-03/02/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
711 LTV is less than guideline maximum - Required is 80 Borrower has 34.62 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000119369 | B | B | A | A | B | B | A | A | Closed | FCOM1267 | 2026-02-24 16:58 | 2026-02-25 08:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) -----Missing Homeownership Counseling Disclosure with 10 agencies but the Acknowledgement Receipt with website is in file. Originator waiver applied to non-material Findings - Due Diligence Vendor-02/24/2026 | Waived-Homeownership
Counseling Disclosure Is Partially Provided (Date Creditor Received
Application is XXXX and Occupancy is Primary Residence) -----Missing
Homeownership Counseling Disclosure with 10 agencies but the Acknowledgement
Receipt with website is in file. Originator waiver applied to non-material
Findings - Due Diligence Vendor-02/24/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.28 LTV is less than guideline maximum - Required is 80 Borrower has 59.05 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000119373 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-02-20 12:18 | 2026-02-20 12:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-02/20/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed
minimum required - 7.91 mos reserves; 4 mos required Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118041 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000118033 | C | A | A | A | C | A | A | A | Closed | FCOM1270 | 2026-02-26 13:39 | 2026-03-05 08:00 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received COC for
loan program change. Timing requirement met, including holiday closure. - Due
Diligence Vendor-03/05/2026 Counter-Received COC for loan program change. Timing requirement met, including holiday closure. - Due Diligence Vendor-03/05/2026 Ready for Review-Document Uploaded. COC attached, reason for this is loan was originally XXXX (Fixed) but loan program changed on 2/11 to ARM (XXXX) - Seller-03/04/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date ARM Disclosure signed XXXX and Application date is XXXX - Due Diligence Vendor-02/26/2026 |
Ready for Review-Document
Uploaded. COC attached, reason for this is loan was originally XXXX (Fixed)
but loan program changed on 2/11 to ARM (XXXX) - Seller-03/04/2026 |
Resolved-Received COC for
loan program change. Timing requirement met, including holiday closure. - Due
Diligence Vendor-03/05/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118040 | C | B | C | A | C | B | A | A | Closed | FCRE1440 | 2026-03-06 16:48 | 2026-03-17 15:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The mortgage
statement in file reflects the borrower is not responsible for this payment.
- Due Diligence Vendor-03/17/2026 Ready for Review-DTI is not over 50%. We are not using rental and not hitting mortgage payment since the mortgage does not belong to the borrower. - Seller-03/13/2026 Counter-Lender provided 1003 with no rental income used from Lease agreement in file. If not using rental income the DTI exceeds 50%. Provide LOX regarding REO 3B, and VOM for payment history - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2026 Open-Housing History Does Not Meet Guideline Requirements Missing pay-history for REO 3B not reporting on credit. Borr not on mortgage statement however, public record on fraud report reflects Borrower as the only owner of this property and lender is claiming positive rental income. - Due Diligence Vendor-03/06/2026 |
Ready for Review-DTI is
not over 50%. We are not using rental and not hitting mortgage payment since
the mortgage does not belong to the borrower. - Seller-03/13/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2026 |
Resolved-The mortgage
statement in file reflects the borrower is not responsible for this payment.
- Due Diligence Vendor-03/17/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 74 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118040 | C | B | C | A | C | B | A | A | Closed | finding-3634 | 2026-03-05 10:10 | 2026-03-11 11:46 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further
review, the document(s) are located in original file, nothing further
required. - Due Diligence
Vendor-03/11/2026 Ready for Review-Could you clarify what is the issue ? QA Fee was shown from ILE all the way to Final CD So what is the issue, amount did not change as well - Seller-03/09/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $695.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXX(Quality Assurance Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $695.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Could
you clarify what is the issue ? QA Fee was shown from ILE all the way to
Final CD So what is the issue, amount did not change as well -
Seller-03/09/2026 |
Resolved-Upon further
review, the document(s) are located in original file, nothing further
required. - Due Diligence
Vendor-03/11/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 74 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||
| XXXX | 4000118040 | C | B | C | A | C | B | A | A | Closed | FCOM5135 | 2026-03-05 09:01 | 2026-03-05 09:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/05/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/05/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 74 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118601 | D | B | D | A | B | B | A | A | Closed | FCRE5782 | 2026-03-09 14:56 | 2026-03-13 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit
refresh. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Soft pull attached - Seller-03/12/2026 Open-Borrower 1 Gap Credit Report is Missing Missing a credit refresh/gap report or evidence of credit monitoring - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document
Uploaded. Soft pull attached -
Seller-03/12/2026 |
Resolved-Received credit
refresh. - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
762 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.27 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000118601 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-03-06 11:13 | 2026-03-06 11:13 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/06/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
762 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 26.27 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118989 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000122253 | D | B | D | A | B | B | D | A | Closed | FCRE1491 | 2026-03-14 00:42 | 2026-03-23 10:24 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset
Qualification Meets Guideline Requirements - Due Diligence Vendor-03/23/2026
Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Provide the following: (1) $XXXXX closing funds paid to escrow not reflected on final CD with check date XXXX and remitter name on check reflect as XXXX [not the Borrower] - documentation/paper trail source of acceptable assets used for closing required, additional conditions may apply (2) $XXXX closing funds paid to escrow not reflected on final CD with check date XXXX and check reflect Borrower as remitter name on check - provide updated bank statement or account history showing funds were withdrawn from XXXX when applicable, additional conditions may apply. - Due Diligence Vendor-03/15/2026 |
Ready for Review-Document
Uploaded. Please see attached -
Seller-03/19/2026 |
Resolved-Asset
Qualification Meets Guideline Requirements - Due Diligence
Vendor-03/23/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - FICO 763; FICO minimum 660
required Months Reserves exceed minimum required - 7 months verified exceeds 4 months required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122253 | D | B | D | A | B | B | D | A | Closed | FCRE9501 | 2026-03-15 11:18 | 2026-03-23 10:24 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified
Assets Post-Close are greater than $0. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 Open-Total Qualified Assets Post-Close amount is '$-11469.34'. Assets are Insufficient. Provide the following: (1) $XXXX closing funds paid to escrow not reflected on final CD with check date XXXX6 and remitter name on check reflect as XXXX [not the Borrower] - documentation/paper trail source of acceptable assets used for closing required, additional conditions may apply (2) $XXXXclosing funds paid to escrow not reflected on final CD with check date XXXX and check reflect Borrower as remitter name on check - provide updated bank statement or account history showing funds were withdrawn from XXXX when applicable, additional conditions may apply. - Due Diligence Vendor-03/15/2026 |
Ready for Review-Document
Uploaded. Please see attached -
Seller-03/19/2026 |
Resolved-Total Qualified
Assets Post-Close are greater than $X. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - FICO 763; FICO minimum 660
required Months Reserves exceed minimum required - 7 months verified exceeds 4 months required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122253 | D | B | D | A | B | B | D | A | Closed | FCRE1325 | 2026-03-13 23:31 | 2026-03-22 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA
validation. - Due Diligence Vendor-03/22/2026 Ready for Review-Document Uploaded. CPA license search showing active - Seller-03/19/2026 Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally, Documents prepared by PTINs are not acceptable - Due Diligence Vendor-03/14/2026 |
Ready for Review-Document
Uploaded. CPA license search showing active - Seller-03/19/2026 |
Resolved-Received CPA
validation. - Due Diligence Vendor-03/22/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - FICO 763; FICO minimum 660
required Months Reserves exceed minimum required - 7 months verified exceeds 4 months required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122253 | D | B | D | A | B | B | D | A | Closed | FPRO1242 | 2026-03-13 23:05 | 2026-03-22 16:17 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received
appraisal. - Due Diligence
Vendor-03/22/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 Open-Appraisal is Missing - Due Diligence Vendor-03/14/2026 |
Ready for Review-Document
Uploaded. Please see attached -
Seller-03/19/2026 |
Resolved-Received
appraisal. - Due Diligence
Vendor-03/22/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - FICO 763; FICO minimum 660
required Months Reserves exceed minimum required - 7 months verified exceeds 4 months required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122253 | D | B | D | A | B | B | D | A | Closed | FCOM5135 | 2026-03-13 11:34 | 2026-03-13 11:34 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/13/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/13/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - FICO 763; FICO minimum 660
required Months Reserves exceed minimum required - 7 months verified exceeds 4 months required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000118973 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000118980 | C | B | C | A | B | B | A | A | Closed | FCRE1159 | 2026-03-04 14:26 | 2026-03-16 15:24 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Subject
transaction disbursed on XXXX per the updated closing statement provided. -
Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Hello Team, Please See final settlement to sows that we disburse on XXXX so the HOI effective date is covered. - Seller-03/12/2026 Counter-Received RCE. Missing HOI policy effective on or before disbursement date of XXXX - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. Please See HOI Effective date XXXX - Seller-03/10/2026 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Lender to provide copy of policy to verify insurance was in effect at time of closing/funding (XXXX). - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document
Uploaded. Hello Team, Please See final settlement to sows that we disburse on
XXXX so the HOI effective date is covered. - Seller-03/12/2026 Ready for Review-Document Uploaded. Please See HOI Effective date XXXX - Seller-03/10/2026 |
Resolved-Subject
transaction disbursed on XXXX per the updated closing statement provided. -
Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
795 Qualifying DTI below maximum allowed - Required is 80 Borrower has 36.96 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000118980 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-03 13:32 | 2026-03-03 13:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Original Waiver applied to non-material finding - Due Diligence Vendor-03/03/2026 | Waived-Required
Affiliated Business Disclosure Missing Original Waiver applied to
non-material finding - Due Diligence Vendor-03/03/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
795 Qualifying DTI below maximum allowed - Required is 80 Borrower has 36.96 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000119406 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-03-05 16:44 | 2026-03-12 10:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 Ready for Review-Could you please reconsider the condition? There are no tolerance violations. Kindly remove the condition accordingly. - Seller-03/10/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $17,783.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $ 17,783.75 (Administrative, origination, processing, underwriting, appraisal desk review, appraisal and credit report fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $17,783.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. Addressed in XXXX - Due Diligence Vendor-03/05/2026 |
Ready for Review-Could
you please reconsider the condition? There are no tolerance violations.
Kindly remove the condition accordingly. - Seller-03/10/2026 |
Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
769 On time mortgage history exceeds guideline requirement - Borrower has 0x30x28 months mortgage history, guides allow up to 1x30x12 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000119406 | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2026-03-05 16:44 | 2026-03-12 10:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 Ready for Review-Could you please reconsider the condition? There are no tolerance violations. Kindly remove the condition accordingly. - Seller-03/10/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees ( Lenders title insurance, notary, recording fee, settlement or closing fee, sub escrow, tie in, courier, endorsement and recording fee) increased by $XXXXwithout a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. Addressed in 3515 - Due Diligence Vendor-03/05/2026 |
Ready for Review-Could
you please reconsider the condition? There are no tolerance violations.
Kindly remove the condition accordingly. - Seller-03/10/2026 |
Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
769 On time mortgage history exceeds guideline requirement - Borrower has 0x30x28 months mortgage history, guides allow up to 1x30x12 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000119406 | C | A | A | A | C | A | A | A | Closed | finding-3515 | 2026-03-05 16:44 | 2026-03-12 10:55 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Due to a system glitch, an incorrect ILE was delivered. Kindly review the file based on this ILE. - Seller-03/10/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----- Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document
Uploaded. Due to a system glitch, an incorrect ILE was delivered. Kindly
review the file based on this ILE. - Seller-03/10/2026 |
Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
769 On time mortgage history exceeds guideline requirement - Borrower has 0x30x28 months mortgage history, guides allow up to 1x30x12 months |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000119406 | C | A | A | A | C | A | A | A | Closed | finding-3837 | 2026-03-05 16:44 | 2026-03-12 10:55 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Initial Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Due to a system glitch, an incorrect ILE was delivered. Kindly review the file based on this ILE. - Seller-03/10/2026 Open-This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(B) )The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. ----- Initial LE XXXX not provided to borrower a minimum of 7 days prior to consummation XXXX counting all calendar days except Saturday (excluded for initial LE), Sunday and Federal Holidays. There is no obvious cure for this violation. statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document
Uploaded. Due to a system glitch, an incorrect ILE was delivered. Kindly
review the file based on this ILE. - Seller-03/10/2026 |
Resolved-Received Initial
LE XXXX. Finding Resolved. - Due Diligence Vendor-03/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
769 On time mortgage history exceeds guideline requirement - Borrower has 0x30x28 months mortgage history, guides allow up to 1x30x12 months |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000123070 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000119405 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000123066 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000119908 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-03-11 12:40 | 2026-03-19 12:20 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for
fees. Finding Resolved. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. - Seller-03/18/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $200 (Loan Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $200, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document
Uploaded. - Seller-03/18/2026 |
Resolved-Received COC for
fees. Finding Resolved. - Due Diligence Vendor-03/19/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
789 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.18 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000119894 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-03-06 14:39 | 2026-03-06 14:39 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/06/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.81 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122453 | D | A | D | A | C | A | A | A | Closed | FCRE1333 | 2026-03-16 16:36 | 2026-03-25 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-WVOE provided. -
Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Seller-03/20/2026 Open-Borrower 1 WVOE Missing WVOE is missing 2025 earnings information - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document
Uploaded. please see attached - Seller-03/20/2026 |
Resolved-WVOE provided. -
Due Diligence Vendor-03/25/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 38.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122453 | D | A | D | A | C | A | A | A | Closed | FCRE6843 | 2026-03-16 16:58 | 2026-03-24 09:20 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Received receipt
for EMD - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/20/2026 Counter-CD reflects deposit total of $XXX - Due Diligence Vendor-03/19/2026 Ready for Review-$XX deposit is the EMD - Seller-03/19/2026 Counter-Received validation of $XX deposit. Missing verification of EMD funds for $XXX - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-03/17/2026 Open-Missing verification of EMD funds for $XXX - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document
Uploaded. - Seller-03/20/2026 Ready for Review-$XXK deposit is the EMD - Seller-03/19/2026 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Seller-03/17/2026 |
Resolved-Received receipt
for EMD - Due Diligence Vendor-03/24/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 38.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122453 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-03-10 13:29 | 2026-03-23 11:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received
explanation for increase in fees. Finding resolved. - Due Diligence
Vendor-03/23/2026 Ready for Review-Broker did not show the credit report when Lock LE was issued on XXXX. It was Borrower POC on XXXX after it was change to collect at closing on XXXX - Seller-03/20/2026 Counter-COC dated XXXX was provided however, a reason is needed. Please provide COC with explanation of increase in credit report of $XX. Finding remains. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/17/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -------Zero (0%) tolerance fees increased by $XX Credit Report Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. COC dated for XXXX shows Processing Fee of $XX but not for Credit Report Fee. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Broker
did not show the credit report when Lock LE was issued on XXXX. It was Borrower POC on XXXX after it was
change to collect at closing on XXXX - Seller-03/20/2026 Ready for Review-Document Uploaded. Please review the attached document so the condition may be cleared. - Seller-03/17/2026 |
Resolved-Received
explanation for increase in fees. Finding resolved. - Due Diligence
Vendor-03/23/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 38.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122447 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-03-24 18:42 | 2026-03-30 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided
the Gap credit report - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. Please see attached - Seller-03/26/2026 Counter-Co-borrower's soft pull credit report was provided; Please provide the soft pull for the borrower. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. Soft pull attached - Seller-03/25/2026 Open-Borrower 1 Gap Credit Report is Missing Missing B1 Gap Credit Report - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document
Uploaded. Please see attached -
Seller-03/26/2026 Ready for Review-Document Uploaded. Soft pull attached - Seller-03/25/2026 |
Resolved-Lender provided
the Gap credit report - Due Diligence Vendor-03/30/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 769 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000122447 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-03-24 22:02 | 2026-03-26 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party
Fraud Report has a score of 455. - Due Diligence Vendor-03/26/2026 Ready for Review-XXXX in closing package reflects 455. please waive condition - Seller-03/25/2026 Open-Missing Third Party Fraud Report Missing UW Review, Fraud Report score >800. Per guides XXXX: scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-03/25/2026 |
Ready for Review-XXXX in
closing package reflects 455. please waive condition - Seller-03/25/2026 |
Resolved-Third Party
Fraud Report has a score of 455. - Due Diligence Vendor-03/26/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| XXXX | 4000122246 | C | B | C | A | B | B | A | A | Closed | FCRE1119 | 2026-03-16 12:39 | 2026-03-30 09:55 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-Upon further
review, the loan file contained all required documentation - Due Diligence
Vendor-03/30/2026 Ready for Review-Per the broker’s response, the note was signed with the Power of Attorney (POA). Additionally, the Deed of Trust (DOT) does not require witnesses in XXXX, and there are no missing signatures, as both individuals on the title have signed accordingly. - Seller-03/26/2026 Open-Borrower 2 Signature does not match Note Missing Borrower 2 signature from Deed of Trust - Due Diligence Vendor-03/16/2026 |
Ready for Review-Per the
broker’s response, the note was signed with the Power of Attorney (POA).
Additionally, the Deed of Trust (DOT) does not require witnesses in XXXX, and
there are no missing signatures, as both individuals on the title have signed
accordingly. - Seller-03/26/2026 |
Resolved-Upon further
review, the loan file contained all required documentation - Due Diligence
Vendor-03/30/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 38.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||
| XXXX | 4000122246 | C | B | C | A | B | B | A | A | Closed | FCRE8611 | 2026-03-16 13:09 | 2026-03-18 16:34 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received
internet validation of business phone number. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. - Seller-03/17/2026 Open-Missing verification of business phone number via Google Search, 411.com or internet. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document
Uploaded. - Seller-03/17/2026 |
Resolved-Received
internet validation of business phone number. - Due Diligence Vendor-03/18/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 38.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122246 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-10 13:41 | 2026-03-10 14:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/10/2026 | Waived-Required
Affiliated Business Disclosure Missing ------Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/10/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 38.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000124442 | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2026-03-11 11:01 | 2026-03-18 17:09 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received
approval and 1008 - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. Please see the Approval/Underwriting Summary. - Seller-03/16/2026 Open-Missing Approval/Underwriting Summary File is missing an Approval/Underwriting Summary - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document
Uploaded. Please see the Approval/Underwriting Summary. -
Seller-03/16/2026 |
Resolved-Received
approval and 1008 - Due Diligence Vendor-03/18/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
746 LTV is less than guideline maximum - Required is 75 Borrower has 63.96 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.63 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122449 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-03-11 12:28 | 2026-03-11 12:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-03/11/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material findings - Due Diligence Vendor-03/11/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
732 LTV is less than guideline maximum - Required is 80 Borrower has 70.48 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.6 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122451 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-03-15 19:18 | 2026-03-17 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received
Mortgage statements that reflect T&I included in PITI, updated REO and
XXXX - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. XXXX= SFR XXXX= HOA doc already in file Both documents are already in file. Please remove this condition. - Seller-03/16/2026 Open-Please provide HOI Verification for REO properties located at XXXX. - Due Diligence Vendor-03/15/2026 |
Ready for Review-Document
Uploaded. XXXX= SFR XXXX= HOA doc already in file Both documents are already in file. Please remove this condition. - Seller-03/16/2026 |
Resolved-Received
Mortgage statements that reflect T&I included in PITI, updated REO and
XXXX - Due Diligence Vendor-03/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
782 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.54 LTV is less than guideline maximum - Required is 80 Borrower has 73.03 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122451 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-03-15 19:40 | 2026-03-17 14:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-03/17/2026 Ready for Review-XXXX recently changed their business name as XXXX. Also, the mortgage statement of XXXX is already in the pkg. Please review again. - Seller-03/16/2026 Open-Housing History Does Not Meet Guideline Requirements Please provide Final CD/HUD for recent refinances of the borrower's primary residence located at XXXX. 2 mortgage statements in file and 1003 reflects the lender is considering the mortgage with XXXX no longer active due to refinance. Please also provide the Final CD/HUD from the refinance of the borrower's investment property loacted at XXXX. It appears the mortgage was refinanced recently from XXXX and is currently with XXXX. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/15/2026 |
Ready for Review-XXXX
recently changed their business name as XXXX. Also, the mortgage statement of
XXXX is already in the pkg. Please review again. - Seller-03/16/2026 |
Resolved-Housing History
Meets Guideline Requirements - Due Diligence Vendor-03/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
782 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.54 LTV is less than guideline maximum - Required is 80 Borrower has 73.03 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||
| XXXX | 4000123300 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-03-16 18:16 | 2026-03-23 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud
Report and clearance. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Please see the report. - Seller-03/19/2026 Counter-Received fraud report. Missing proof High Alerts were cleared. - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see the fraud report. - Seller-03/17/2026 Open-Missing Third Party Fraud Report . Fraud Report is required by guidelines. Risk Score above 800 – Lender Mgt. Review and Approval by UW Manager required. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document
Uploaded. Please see the report. - Seller-03/19/2026 Ready for Review-Document Uploaded. Please see the fraud report. - Seller-03/17/2026 |
Resolved-Received Fraud
Report and clearance. - Due Diligence Vendor-03/23/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
778 LTV is less than guideline maximum - Required is 80 Borrower has 63.57 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 18.72 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000123300 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-03-16 18:10 | 2026-03-19 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received EA
license validation - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. Please see the search result - Seller-03/17/2026 Open-Borrower 1 CPA Letter Missinge. Missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer. (PTIN are Ineligible). - Due Diligence Vendor-03/16/2026 |
Ready for Review-Document
Uploaded. Please see the search result - Seller-03/17/2026 |
Resolved-Received EA
license validation - Due Diligence Vendor-03/19/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
778 LTV is less than guideline maximum - Required is 80 Borrower has 63.57 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 18.72 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122249 | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2026-03-16 20:15 | 2026-03-20 17:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received revised
cpa letter confirming no business phone number advertisement required. - Due
Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/18/2026 Open-Borrower 1 CPA Letter Missing Missing verification of the business phone number. Per guidelines, business phone number verification via Google Search, 411.com or internet is required. Otherwise, CPA must verify the borrower’s nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document
Uploaded. - Seller-03/18/2026 |
Resolved-Received revised
cpa letter confirming no business phone number advertisement required. - Due
Diligence Vendor-03/20/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 24.27 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 820 LTV is less than guideline maximum - Required is 80 Borrower has 45 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122249 | D | A | D | A | C | A | A | A | Closed | FCOM0013 | 2026-03-13 07:19 | 2026-03-18 15:22 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received
eConsent. Finding resolved. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. please review the attached e consent which is already included in closing pacakge pg. 240. Based on this, we kindly request to remove this condition. - Seller-03/17/2026 Open-Missing e-Consent. Missing E-Consent. - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document
Uploaded. please review the attached e consent which is already included in
closing pacakge pg. 240. Based on this, we kindly request to remove this
condition. - Seller-03/17/2026 |
Resolved-Received
eConsent. Finding resolved. - Due Diligence Vendor-03/18/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 24.27 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 820 LTV is less than guideline maximum - Required is 80 Borrower has 45 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000123413 | D | A | D | A | A | A | A | A | Closed | FCRE1334 | 2026-03-16 18:27 | 2026-03-19 12:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Upon further
review, the loan file contained all required income documentation for WVOE
only product. - Due Diligence Vendor-03/19/2026 Ready for Review-Can you please waived this condition, since per our guideline, we don't require form 4506. - Seller-03/17/2026 Open-Borrower 1 Executed 4506-T/4506-C is Missing An executed 4506 form is missing from the loan file for both borrowers. - Due Diligence Vendor-03/16/2026 |
Ready for Review-Can you
please waived this condition, since per our guideline, we don't require form
4506. - Seller-03/17/2026 |
Resolved-Upon further
review, the loan file contained all required income documentation for WVOE
only product. - Due Diligence Vendor-03/19/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
764 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000123298 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2026-03-13 17:13 | 2026-03-17 15:27 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Receipt of Donor
funds and wires were provided. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello team, $XXX is closing funds which deposited by borrower. Please review the attached document and clear this condition. - Seller-03/16/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Missing proof of Gift funds ($XXXK) wired to closing. Final CD XXXX reflect receipt of Donor funds. - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document
Uploaded. Hello team, $XXXXk is closing funds which deposited by borrower.
Please review the attached document and clear this condition. - Seller-03/16/2026 |
Resolved-Receipt of Donor
funds and wires were provided. - Due Diligence Vendor-03/17/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 38.67 LTV is less than guideline maximum - Required is 80 Borrower has 72.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121719 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000120813 | B | B | A | A | B | B | A | A | Closed | FCOM1353 | 2026-03-16 10:14 | 2026-03-16 11:07 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR
Form Type is selected in light of the Same Creditor or Lender Affiliate
Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance
selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form.
Finding is deemed non-material. Originator waiver applied to non-material
Findings. - Due Diligence Vendor-03/16/2026 |
Waived-The Incorrect ROR
Form Type is selected in light of the Same Creditor or Lender Affiliate
Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance
selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form.
Finding is deemed non-material. Originator waiver applied to non-material
Findings. - Due Diligence Vendor-03/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
718 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.32 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX | ||||
| XXXX | 4000121444 | C | A | C | A | A | A | A | A | Closed | FCRE0970 | 2026-03-17 07:42 | 2026-03-25 11:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Updated
appraisal was provided addressing the meters. - Due Diligence
Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see the attached revised appraisal adding the comment about the 4th meter. - Seller-03/24/2026 Counter-Document Uploaded. Subject property zip code is not in the superfund area; however, please have the 4th meter addressed by the appraiser. - Due Diligence Vendor-03/24/2026 Counter-Screenshot does not reflect the subject property zip code. Please have the 4th meter addressed by the appraiser. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. Hello team, Please review the below clarification for the conditions. 1. This super fund issue has come up before on this file a long time ago. the property zip code is NOT in any superfund area. attachment is the screen shot and here is the link: XXXX 2. The 4th meter is for the common area laundry room. Based on these information, please clear this condition. - Seller-03/20/2026 Open-1. Appraiser to address if there are environmental issue due to subject located in the same zip code as a Superfund site (an uncontrolled or abandoned place where hazardous waste is located) recognized by the EPA that was identified by fraud report. Additional findings may apply. 2. Appraiser to address why there are four electric meters for a 3-unit property. Additional findings may apply. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document
Uploaded. Please see the attached revised appraisal adding the comment about
the 4th meter. - Seller-03/24/2026 Ready for Review-Document Uploaded. Hello team, Please review the below clarification for the conditions. 1. This super fund issue has come up before on this file a long time ago. the property zip code is NOT in any superfund area. attachment is the screen shot and here is the link: XXXX 2. The 4th meter is for the common area laundry room. Based on these information, please clear this condition. - Seller-03/20/2026 |
Resolved-Updated
appraisal was provided addressing the meters. - Due Diligence
Vendor-03/25/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
738 LTV is less than guideline maximum - Required is 65 Borrower has 49.56 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000121444 | C | A | C | A | A | A | A | A | Closed | FCRE1204 | 2026-03-17 08:32 | 2026-03-24 08:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud
Report. - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. The link provided only shows Superfund site zip codes: XXXX Please try searching for the subject property’s zip code using the link above. If the zip code does not appear, the property is not located in a Superfund site. For your reference, we have attached screenshot as well. The property zip code is NOT in any superfund area. - Seller-03/24/2026 Counter-Documentation required to support clearing subject's location in same zip code as a Superfund site (an uncontrolled or abandoned place where hazardous waste is located) recognized by the EPA. The report only reflects "cleared." - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 Open-Fraud Report Shows Uncleared Alerts Missing verification that high alert for subject's location in same zip code as a Superfund site (an uncontrolled or abandoned place where hazardous waste is located) recognized by the EPA was cleared. Additional findings may apply. - Due Diligence Vendor-03/17/2026 |
Ready for Review-Document
Uploaded. The link provided only shows Superfund site zip codes: XXXX Please try searching for the subject property’s zip code using the link above. If the zip code does not appear, the property is not located in a Superfund site. For your reference, we have attached screenshot as well. The property zip code is NOT in any superfund area. - Seller-03/24/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 |
Resolved-Received Fraud
Report. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
738 LTV is less than guideline maximum - Required is 65 Borrower has 49.56 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000121427 | D | B | D | A | B | B | A | A | Closed | FCRE5790 | 2026-03-20 13:24 | 2026-04-01 10:56 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Lender provided
updated Gap report - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Please see the report. - Seller-03/30/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit – Required on all loans follow FNMA . as of XXXX is 10 days before or 10 days after note. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document
Uploaded. Please see the report. - Seller-03/30/2026 |
Resolved-Lender provided
updated Gap report - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
785 Qualifying DTI below maximum allowed - Required is 49.9 Borrower has 30.59 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121427 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2026-03-20 13:33 | 2026-03-26 13:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received
management acknowledgment of score. -
Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see the letter. - Seller-03/23/2026 Open-Third Party Fraud Report Partially Provided Missing management review and approval by the Underwriting Manager due to fraud score over 800 - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document
Uploaded. Please see the letter. - Seller-03/23/2026 |
Resolved-Received
management acknowledgment of score. -
Due Diligence Vendor-03/25/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
785 Qualifying DTI below maximum allowed - Required is 49.9 Borrower has 30.59 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121427 | D | B | D | A | B | B | A | A | Closed | FCRE1204 | 2026-03-20 13:33 | 2026-03-26 13:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received
clearance. - Due Diligence
Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see the report. - Seller-03/24/2026 Open-Fraud Report Shows Uncleared Alerts (high alerts) - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document
Uploaded. Please see the report. - Seller-03/24/2026 |
Resolved-Received
clearance. - Due Diligence
Vendor-03/25/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
785 Qualifying DTI below maximum allowed - Required is 49.9 Borrower has 30.59 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121427 | D | B | D | A | B | B | A | A | Closed | FCRE1206 | 2026-03-20 15:15 | 2026-03-26 13:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested
Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/26/2026
Ready for Review-Document Uploaded. Please see the search results - Seller-03/25/2026 Counter-Received OFAC clearance. Missing SAM for each. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. Please see the ofac search results - Seller-03/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Missing seller, agents, non-borrowing title holder - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document
Uploaded. Please see the search results - Seller-03/25/2026 Ready for Review-Document Uploaded. Please see the ofac search results - Seller-03/23/2026 |
Resolved-All Interested
Parties Checked against Exclusionary Lists - Due Diligence
Vendor-03/26/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
785 Qualifying DTI below maximum allowed - Required is 49.9 Borrower has 30.59 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121427 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-03-19 10:33 | 2026-03-19 10:33 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/19/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/19/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
785 Qualifying DTI below maximum allowed - Required is 49.9 Borrower has 30.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122488 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000121669 | C | B | C | A | B | B | A | A | Closed | FCRE1480 | 2026-03-23 13:23 | 2026-04-02 16:17 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/02/2026
Ready for Review-Document Uploaded. Please review the attached post closing disclosure. - Seller-04/01/2026 Counter-Per the Gift Letter, the gift amount is $XXXXX. Settlement statements reflects an additional deposit of $XXk. - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. review the highlighted part. it was for additional deposit. - Seller-03/26/2026 Counter-Received escrow receipt of $XXk. Please address original finding. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. please review the proof of gift funds wired to closing. - Seller-03/24/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Missing proof of Gift funds ($XXXXX) wired to closing. Final CD XXXX reflect receipt of Donor funds. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document
Uploaded. Please review the attached post closing disclosure. - Seller-04/01/2026 Ready for Review-Document Uploaded. review the highlighted part. it was for additional deposit. - Seller-03/26/2026 Ready for Review-Document Uploaded. please review the proof of gift funds wired to closing. - Seller-03/24/2026 |
Resolved-Asset Record 2
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/02/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 15.34 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 75 Borrower has 55 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121669 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-20 11:56 | 2026-03-21 07:50 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/20/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/20/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 15.34 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 LTV is less than guideline maximum - Required is 75 Borrower has 55 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121420 | D | B | A | A | D | B | A | A | Closed | FCOM5135 | 2026-03-25 15:21 | 2026-04-01 13:45 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-03/25/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings - Due Diligence Vendor-03/25/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 43.82 LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121420 | D | B | A | A | D | B | A | A | Closed | FCOM9998 | 2026-03-25 15:47 | 2026-03-27 12:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received fee
name clarification. - Due Diligence Vendor-03/27/2026 Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-03/26/2026 Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply - Due Diligence Vendor-03/25/2026 |
Ready for Review-It's a
lender paid broker compensation fee. Please clear this condition. - Seller-03/26/2026 |
Resolved-Received fee
name clarification. - Due Diligence Vendor-03/27/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 43.82 LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000122750 | B | B | A | A | B | B | A | A | Closed | FCOM1124 | 2026-04-28 08:47 | 2026-04-28 09:58 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of 04-13-2026 ORIGINATOR WAIVER APPLIED TO NON-MATERIAL FINDINGS - Due Diligence Vendor-04/28/2026 | Waived-Borrower 1 Final
Signature Date is greater than the transaction date of XXXXXXX ORIGINATOR
WAIVER APPLIED TO NON-MATERIAL FINDINGS - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
777 Required is 660 Borrower has 777 Months Reserves exceed minimum required - Months Reserves 46 exceed minimum required 4 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121694 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-03-24 14:32 | 2026-03-24 14:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-matieral findings. - Due Diligence Vendor-03/24/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-matieral findings. - Due Diligence Vendor-03/24/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 35.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121437 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-03-26 13:59 | 2026-03-26 15:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing
----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 |
Waived-Required
Affiliated Business Disclosure Missing
----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 |
Credit history exceeds
minimum required - Credit history exceeds the minimum requirement of at least
two tradelines reporting within the past 24 months, with documented activity
in the last 12 months Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122005 | C | B | A | A | C | B | A | A | Closed | FCOM3605 | 2026-03-26 12:28 | 2026-04-02 10:23 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Initial
CD, finding resolved. - Due Diligence
Vendor-04/02/2026 Ready for Review-Document Uploaded. - Seller-04/01/2026 Counter-Received signature page of CD signed on XXXX and 1st page of final CD XXXX. In need of a full copy of the XXXX CD as it was not in the file. Finding Remains - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Initial CD was signed by the borrwer on XXXX, and Final CD was generated on XXXX. Based on this, the required 3-day timing appears to have been met. Please reconsider the condition. - Seller-03/30/2026 Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/26/2026 |
Ready for Review-Document
Uploaded. - Seller-04/01/2026 Ready for Review-Document Uploaded. Initial CD was signed by the borrwer on XXXX, and Final CD was generated on XXXX. Based on this, the required 3-day timing appears to have been met. Please reconsider the condition. - Seller-03/30/2026 |
Resolved-Received Initial
CD, finding resolved. - Due Diligence
Vendor-04/02/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 43.5 LTV is less than guideline maximum - Required is 80 Borrower has 35.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122005 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-03-25 15:36 | 2026-03-25 15:36 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material finding - Due Diligence Vendor-03/25/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material finding - Due Diligence Vendor-03/25/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 43.5 LTV is less than guideline maximum - Required is 80 Borrower has 35.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000123424 | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2026-04-27 21:00 | 2026-05-12 11:14 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Adequate CTC
documented. The Final Reviewed QM Status is now acceptable. - Due Diligence
Vendor-05/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing most recent 1 month bank statement reflecting minimum balance of $XXXX from XXXX as stated on final 1003. Per PCCD XXXX $XXXX deposit received along with EMD of $XXK however, bank statement in file does not reflect adequate balance to source the deposits wired to closing. - Due Diligence Vendor-04/28/2026 |
Resolved-Adequate CTC
documented. The Final Reviewed QM Status is now acceptable. - Due Diligence
Vendor-05/12/2026 |
LTV is less than guideline
maximum - Required is 75 Borrower has 24.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000123424 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2026-04-27 20:49 | 2026-05-12 11:12 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Neither deposit
is clearly identified as originating from a financing firm or new loan
proceeds (both debits are listed as 'Deposit' on bank stmts) - sourcing not
required per section 11.1 of G/L. - Due Diligence Vendor-05/12/2026 Counter-As both deposits are listed as "Deposit" review is unable to confirm meets guidelines 11 and 11.1. Source to confirm no new liability and assets are from XXXX - Due Diligence Vendor-05/06/2026 Ready for Review-As per our UW, our approved guidelines do not require the source of large deposits. Based on this, we kindly request to clear this condition. - Seller-05/05/2026 Counter-Received March statement and printout. Missing source of 2 deposits: $XXXX and $XXX on XX as unable to confirm meets guideline 11 and 11.1 - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. please see the attached 1 month bank statement and the souce of emd of $XXXX0 - Seller-04/29/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Missing most recent 1 month bank statement reflecting minimum balance of $XXXXXfrom XXXX stated on final 1003. Borr bank statement in file from XXXX balance $XXXX. Per PCCD XXXX $XX deposit received with copy of receipt/transfer wire from Borr XXXX in file. The EMD of $XXK receipt in file however, source of funds not documented. - Due Diligence Vendor-04/28/2026 |
Ready for Review-As per
our UW, our approved guidelines do not require the source of large deposits.
Based on this, we kindly request to clear this condition. - Seller-05/05/2026
Ready for Review-Document Uploaded. please see the attached 1 month bank statement and the souce of emd of $XXXX- Seller-04/29/2026 |
Resolved-Neither deposit
is clearly identified as originating from a financing firm or new loan
proceeds (both debits are listed as 'Deposit' on bank stmts) - sourcing not
required per section 11.1 of G/L. - Due Diligence Vendor-05/12/2026 |
LTV is less than guideline
maximum - Required is 75 Borrower has 24.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122483 | D | B | D | A | B | B | A | A | Closed | FCRE1506 | 2026-03-31 05:37 | 2026-04-06 14:21 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received
confirmation of Business number. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the incoming calculation. - Seller-04/02/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. missing full income document requirements - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the incoming calculation. - Seller-04/02/2026 |
Resolved-Received
confirmation of Business number. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 13.48 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122483 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2026-03-31 05:30 | 2026-04-06 14:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Manager
Cert of Fraud report. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the letter. - Seller-04/02/2026 Open-Third Party Fraud Report Partially Provided The FraudGuard® score of 841 exceeds the maximum allowable threshold of 800 and therefore requires management review and approval by the Underwriting Manager before the loan may proceed - approval missing - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the letter. - Seller-04/02/2026 |
Resolved-Received Manager
Cert of Fraud report. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 13.48 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122483 | D | B | D | A | B | B | A | A | Closed | FCRE1437 | 2026-03-31 05:24 | 2026-04-06 14:19 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received
verification of Business phone number. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the XXXX search result. - Seller-04/02/2026 Open-Income and Employment Do Not Meet Guidelines • Missing business number search, business phone number must be verifiable via Google Search, 411.com or internet. Additional conditions may apply pending review. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the google search result. - Seller-04/02/2026 |
Resolved-Received
verification of Business phone number. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 13.48 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122483 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-03-30 08:49 | 2026-03-30 08:49 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-03/30/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material findings - Due Diligence Vendor-03/30/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
786 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 13.48 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000121419 | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2026-03-31 10:59 | 2026-04-16 09:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-SPL with
providers received, Finding resolved - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Uploaded. See XXXX with a provider. - Seller-04/14/2026 Counter-Service provider list does not list a provider. Need affiliated business disclosure. Finding Remains. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Uploaded. See XXXX. - Seller-04/11/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Uploaded. See XXXX with a provider. - Seller-04/14/2026 Ready for Review-Document Uploaded. Uploaded. See XXXX. - Seller-04/11/2026 |
Resolved-SPL with
providers received, Finding resolved - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
809 LTV is less than guideline maximum - Required is 80 Borrower has 53.22 Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.96 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122474 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000121687 | C | B | C | A | B | B | A | A | Closed | FCRE1148 | 2026-04-01 22:36 | 2026-04-10 13:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated
preliminary title reflecting sufficient coverage. - Due Diligence
Vendor-04/10/2026 Ready for Review-Document Uploaded. - Seller-04/09/2026 Counter-Received explanation for dwelling coverage/hazard insurance. Condition remains, present issue is: Title Coverage, Preliminary report not reflecting $$ of coverage and Escrow instructions reflecting an amount that does not mirror Note amount. - Due Diligence Vendor-04/07/2026 Ready for Review-Although the Dwelling Coverage amount is currently less than the Loan Amount, the policy includes a Replacement Cost Estimate. This provides 100% replacement cost coverage for the subject property, ensuring that the collateral is fully protected. - Seller-04/06/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title does not indicate coverage and escrow instructions shows the wrong note amount. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document
Uploaded. - Seller-04/09/2026 Ready for Review-Although the Dwelling Coverage amount is currently less than the Loan Amount, the policy includes a Replacement Cost Estimate. This provides 100% replacement cost coverage for the subject property, ensuring that the collateral is fully protected. - Seller-04/06/2026 |
Resolved-Received updated
preliminary title reflecting sufficient coverage. - Due Diligence
Vendor-04/10/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
793 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.71 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121687 | C | B | C | A | B | B | A | A | Closed | FCRE1506 | 2026-04-01 23:57 | 2026-04-07 13:16 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Review QM status
was revised upon receipt and review of
XXXX verification of bz phone number. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of business existence via google or phone number search. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document
Uploaded. - Seller-04/06/2026 |
Resolved-Review QM status
was revised upon receipt and review of
XXXX verification of bz phone number. - Due Diligence Vendor-04/07/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
793 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.71 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121687 | C | B | C | A | B | B | A | A | Closed | FCRE1437 | 2026-04-01 23:02 | 2026-04-07 13:11 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received XXXX
verification of phone number, which mirrors bz # reflected on final 1003. -
Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-Income and Employment Do Not Meet Guidelines Missing verification of business phone number via Google Search, 411.com, internet or CTEC to confirm no phone # is needed. Additional conditions may apply, pending review. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document
Uploaded. - Seller-04/06/2026 |
Resolved-Received XXXX
verification of phone number, which mirrors bz # reflected on final 1003. -
Due Diligence Vendor-04/07/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
793 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.71 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121687 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-04-01 13:46 | 2026-04-01 13:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/01/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
793 LTV is less than guideline maximum - Required is 80 Borrower has 65 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.71 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122255 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2026-03-31 06:48 | 2026-04-06 13:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI
policy. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the full declaration - Seller-04/06/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided previously addressed in another finding. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the full declaration - Seller-04/06/2026 |
Resolved-Received HOI
policy. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
792 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.24 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122255 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-03-31 07:02 | 2026-04-06 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA
Letter Provided - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the search result. - Seller-04/02/2026 Open-Borrower 1 CPA Letter Missing • CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. Additional condition may apply pending review. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the search result. - Seller-04/02/2026 |
Resolved-Borrower 1 CPA
Letter Provided - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
792 LTV is less than guideline maximum - Required is 80 Borrower has 74.81 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.24 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121679 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-03-31 10:58 | 2026-04-20 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud
Report. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Please see the report. - Seller-04/02/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the report. - Seller-04/02/2026 |
Resolved-Received Fraud
Report. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
777 LTV is less than guideline maximum - Required is 80 Borrower has 73.09 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121679 | D | A | D | A | A | A | A | A | Closed | FCRE1206 | 2026-04-06 11:49 | 2026-04-20 12:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM
clearance on sellers. - Due Diligence Vendor-04/20/2026 Ready for Review-Document Uploaded. Please see the SAM search results - Seller-04/16/2026 Counter-Received OFAC clearance. Please provide SAM or sellers included on Fraud Report loan participant listing. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see the OFAC search results - Seller-04/14/2026 Open-All Interested Parties Not Checked with Exclusionary Lists *New* Fraud report did not include the seller(s), - Due Diligence Vendor-04/06/2026 |
Ready for Review-Document
Uploaded. Please see the SAM search results - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see the OFAC search results - Seller-04/14/2026 |
Resolved-Received SAM
clearance on sellers. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
777 LTV is less than guideline maximum - Required is 80 Borrower has 73.09 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121679 | D | A | D | A | A | A | A | A | Closed | FCRE1204 | 2026-04-06 11:49 | 2026-04-20 12:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received
confirmation of high alerts cleared.
- Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see the report - Seller-04/15/2026 Open-*New* Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-04/06/2026 |
Ready for Review-Document
Uploaded. Please see the report - Seller-04/15/2026 |
Resolved-Received
confirmation of high alerts cleared.
- Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
777 LTV is less than guideline maximum - Required is 80 Borrower has 73.09 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121679 | D | A | D | A | A | A | A | A | Closed | FCRE1198 | 2026-03-31 11:32 | 2026-04-17 12:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received PCCD.
Audited Reserves of 4.08 month(s) are greater than or equal to Guideline
Required Reserves of 4 month(s) - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see the bank statement. They should have enough reserves. - Seller-04/14/2026 Open-Audited Reserves of 3.99 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the bank statement. They should have enough reserves. -
Seller-04/14/2026 |
Resolved-Received PCCD.
Audited Reserves of 4.08 month(s) are greater than or equal to Guideline
Required Reserves of 4 month(s) - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
777 LTV is less than guideline maximum - Required is 80 Borrower has 73.09 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121679 | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2026-03-31 10:28 | 2026-04-17 12:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD
provided. Disbursement date is XXXX -
Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see the PCCD - Seller-04/14/2026 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date XXXX - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. Please see the PCCD - Seller-04/14/2026 |
Resolved-PCCD
provided. Disbursement date is XXXX -
Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
777 LTV is less than guideline maximum - Required is 80 Borrower has 73.09 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121679 | D | A | D | A | A | A | A | A | Closed | FCRE7009 | 2026-03-31 10:28 | 2026-04-06 11:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further
review, Insurance coverage is sufficient. - Due Diligence Vendor-04/06/2026
Ready for Review-Document Uploaded. The dwelling is XXXX - Seller-04/02/2026 Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-03/31/2026 |
Ready for Review-Document
Uploaded. The dwelling is XXXX - Seller-04/02/2026 |
Resolved-Upon further
review, Insurance coverage is sufficient. - Due Diligence
Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
777 LTV is less than guideline maximum - Required is 80 Borrower has 73.09 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122466 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-03-30 11:08 | 2026-03-30 11:08 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-03/30/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
794 LTV is less than guideline maximum - Required is 80 Borrower has 41.1 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.53 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122492 | D | A | D | A | C | A | A | A | Closed | FCRE1491 | 2026-04-02 22:40 | 2026-04-27 14:26 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further
review- Assets were updated reflecting the checking and savings available
ending balances- Condition resolved -
Due Diligence Vendor-04/27/2026 Ready for Review-Document Uploaded. Please see the final settlement statement. Funds to close states, $XXXX Let me know if its not sufficient. - Seller-04/22/2026 Counter-Received duplicate bank statement. Reflects as short funds to close by $XXXX. Review has validated the following: XXXX and gifts: $XXX; $XXXX; $XXX- Due Diligence Vendor-04/20/2026 Ready for Review-The bank statement date is March 17th and the cashier's check date is XXXX XXX. Fund was transferred after the statement was submitted. - Seller-04/16/2026 Counter-Received duplicate XXXX account statement. Provide source for 2nd cashier check $XXXX(XXXX) sent to title. (remitter reflected as borrower) - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see the XXXX bank statement. - Seller-04/15/2026 Counter-For clarification-received copy of cashier check $XXX (XXXX) no source provided. Please provide account considered for cashiers check. - Due Diligence Vendor-04/07/2026 Ready for Review-Could you clarify which guideline you are referring to? - Seller-04/06/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Assets (Cashier Check) used for closing required source - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document
Uploaded. Please see the final settlement statement. Funds to close states,
$XXX. Let me know if its not sufficient. - Seller-04/22/2026 Ready for Review-The bank statement date is March 17th and the cashier's check date is XX XXXX. Fund was transferred after the statement was submitted. - Seller-04/16/2026 Ready for Review-Document Uploaded. Please see the XXXX bank statement. - Seller-04/15/2026 Ready for Review-Could you clarify which guideline you are referring to? - Seller-04/06/2026 |
Resolved-After further
review- Assets were updated reflecting the checking and savings available
ending balances- Condition resolved -
Due Diligence Vendor-04/27/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 51.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.67 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122492 | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2026-04-02 20:59 | 2026-04-07 16:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received
Enrolled Agent license validation - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please see the search results. - Seller-04/06/2026 Open-Borrower 1 CPA Letter Missing CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally, Documents prepared by PTINs are not acceptable - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document
Uploaded. Please see the search results. - Seller-04/06/2026 |
Resolved-Received
Enrolled Agent license validation - Due Diligence Vendor-04/07/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 51.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.67 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122492 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-04-01 13:44 | 2026-04-07 12:17 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-04/07/2026 Ready for Review-Document Uploaded. Please see the PCCD - Seller-04/06/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date XXXX - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document
Uploaded. Please see the PCCD - Seller-04/06/2026 |
Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-04/07/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 51.28 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 28.67 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122713 | B | B | A | A | B | B | A | A | Closed | FCOM1267 | 2026-04-01 12:15 | 2026-04-01 13:26 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXXX and Occupancy is Primary Residence) Homeownership Counseling Disclosure Is Partially Provided, 6 Agencies listed. Creditor Received XXXX - Due Diligence Vendor-04/01/2026 | Waived-Homeownership
Counseling Disclosure Is Partially Provided (Date Creditor Received
Application is XXXX and Occupancy is Primary Residence) Homeownership
Counseling Disclosure Is Partially Provided, 6 Agencies listed. Creditor
Received XXXX - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
708 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.65 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122487 | D | A | D | A | C | A | A | A | Closed | finding-3352 | 2026-04-02 17:11 | 2026-07-02 11:44 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains
full appraisal and escrows, meeting HPML compliance. - Due Diligence
Vendor-07/02/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/02/2026 |
Resolved-Loan contains
full appraisal and escrows, meeting HPML compliance. - Due Diligence
Vendor-07/02/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
719 LTV is less than guideline maximum - Required is 70 Borrower has 54.3 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||||
| XXXX | 4000122487 | D | A | D | A | C | A | A | A | Closed | FCRE1158 | 2026-04-03 07:49 | 2026-04-13 14:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received
confirmation annual policy in place.
1st page reflects annual dates with change of insured in March. - Due
Diligence Vendor-04/13/2026 Ready for Review-The provided policy is actually for a full 12-month term, not a short-term policy. If you check the coverage dates again, you will see that it ensures continuous coverage for the entire year. Could you please re-review the attached document and cleared the condition? - Seller-04/10/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided This appears to be a short term 3 month policy - full 12 month policy required to show continuous coverage. - Due Diligence Vendor-04/03/2026 |
Ready for Review-The
provided policy is actually for a full 12-month term, not a short-term
policy. If you check the coverage dates again, you will see that it ensures
continuous coverage for the entire year. Could you please re-review the attached document and cleared the condition? - Seller-04/10/2026 |
Resolved-Received
confirmation annual policy in place.
1st page reflects annual dates with change of insured in March. - Due
Diligence Vendor-04/13/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
719 LTV is less than guideline maximum - Required is 70 Borrower has 54.3 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| XXXX | 4000122256 | C | B | C | A | B | B | A | A | Closed | FCRE0197 | 2026-04-01 14:13 | 2026-04-06 11:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller
CD. - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. please review the attached seller cd. - Seller-04/02/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document
Uploaded. please review the attached seller cd. - Seller-04/02/2026 |
Resolved-Received Seller
CD. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
766 Required is 660 Borrower has 766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.99 Required is 49.99 Borrower has 40.99 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122256 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-03-31 14:14 | 2026-03-31 14:14 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings - Due Diligence Vendor-03/31/2026 | Waived-Required
Affiliated Business Disclosure Missing ------Originator waiver applied to
non-material Findings - Due Diligence Vendor-03/31/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
766 Required is 660 Borrower has 766 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.99 Required is 49.99 Borrower has 40.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122717 | C | B | A | A | C | B | A | A | Closed | finding-3652 | 2026-04-06 09:55 | 2026-04-09 15:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further
review, the document(s) are located in original file, nothing further
required. - Due Diligence
Vendor-04/09/2026 Ready for Review-There are no decrase for the lender credit. It only increased, and it is acceptable. Please review again and clear this condition. - Seller-04/08/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- rescind due to rounding issue - Due Diligence Vendor-04/06/2026 |
Ready for Review-There
are no decrase for the lender credit. It only increased, and it is
acceptable. Please review again and clear this condition. - Seller-04/08/2026 |
Resolved-Upon further
review, the document(s) are located in original file, nothing further
required. - Due Diligence
Vendor-04/09/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
804 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| XXXX | 4000122717 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-04-06 12:22 | 2026-04-06 12:22 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/06/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
804 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122258 | C | A | C | A | C | A | A | A | Closed | FCRE1480 | 2026-04-06 09:10 | 2026-04-16 16:32 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received proof
of gift funds wire. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see the final settlement statement and the gift receipt. - Seller-04/07/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Lender to provide verification of receipt of gift funds in the amount of $XXXXX- Due Diligence Vendor-04/06/2026 |
Ready for Review-Document
Uploaded. Please see the final settlement statement and the gift receipt. -
Seller-04/07/2026 |
Resolved-Received proof
of gift funds wire. - Due Diligence Vendor-04/08/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 72.22 Required is 80 Borrower has
72.22 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787 Required is 660 Borrower has 787 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122258 | C | A | C | A | C | A | A | A | Closed | finding-3625 | 2026-04-02 10:43 | 2026-04-16 10:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD
with correction, finding resolved - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Please see the updated file. - Seller-04/14/2026 Counter-PCCD provided, still reflects credit report as a lender fee, must be moved to section A or state FBO(for the benefit of). Finding remains. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see the updated post cd with credit report fee. - Seller-04/07/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Credit Report Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document
Uploaded. Please see the updated file. - Seller-04/14/2026 Ready for Review-Document Uploaded. Please see the updated post cd with credit report fee. - Seller-04/07/2026 |
Resolved-Received PCCD
with correction, finding resolved - Due Diligence Vendor-04/16/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 72.22 Required is 80 Borrower has
72.22 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787 Required is 660 Borrower has 787 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122258 | C | A | C | A | C | A | A | A | Closed | FCRE1159 | 2026-04-02 14:59 | 2026-04-08 14:06 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received CD
confirming disbursement date of XXXX - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. Please see the post cd with updated date - Seller-04/07/2026 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disb Date XXXX - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document
Uploaded. Please see the post cd with updated date - Seller-04/07/2026 |
Resolved-Received CD
confirming disbursement date of XXXX - Due Diligence Vendor-04/08/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 72.22 Required is 80 Borrower has
72.22 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787 Required is 660 Borrower has 787 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000123091 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-04-02 19:38 | 2026-04-10 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated
fraud report reflecting all interested parties. Received management
acknowledgment as well. - Due Diligence Vendor-04/10/2026 Ready for Review-Document Uploaded. - Seller-04/09/2026 Counter-Received Fraud report. Missing Seller from Exclusionary List. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document
Uploaded. - Seller-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/06/2026 |
Resolved-Received updated
fraud report reflecting all interested parties. Received management
acknowledgment as well. - Due Diligence Vendor-04/10/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
753 Residual Income =/> 1.5 times $XXXXX monthly residual income - Residual Income =/> 1.5 times $XXXXX monthly residual income |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000120302 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | XXXX | 4000122280 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-04-03 14:49 | 2026-04-16 12:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further
review the VOM states the 1 Late payment was made 1 day after 7 day grace
period - 0x30x12 - Due Diligence Vendor-04/16/2026 Counter-Received VOM reflecting 1 late payment and remarks indicate late payment was after grace period. Please provide confirmation late was not over 30 days. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. VOM - Seller-04/14/2026 Open-Housing History Does Not Meet Guideline Requirements Verification of Mortgage is missing the subject property address. Needed to confirm VOM belongs to our subject lien. - Due Diligence Vendor-04/03/2026 |
Ready for Review-Document
Uploaded. VOM - Seller-04/14/2026 |
Resolved-Upon further
review the VOM states the 1 Late payment was made 1 day after 7 day grace
period - 0x30x12 - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
724 LTV is less than guideline maximum - Required is 75 Borrower has 50 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.12 Required is 0.8 Borrower has 1.12 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | 4000121677 | D | A | D | A | A | A | A | A | Closed | FCRE1506 | 2026-04-06 11:40 | 2026-04-10 13:47 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received lease
agreement - Due Diligence Vendor-04/10/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-04/06/2026 |
Resolved-Received lease
agreement - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 29.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||
| XXXX | 4000121677 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-04-06 11:39 | 2026-04-10 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease
agreement meeting guideline 10.9.1 - Due Diligence Vendor-04/10/2026 Ready for Review-The DTI ratio for this loan is very strong with ample room. Furthermore, the rental income in question accounts for only $XXXout of the borrower’s total monthly income of XXXX. Given the minimal impact of this amount on the overall qualification and the borrower's solid financial profile, we kindly request you to clear this condition. - Seller-04/09/2026 Counter-Received Lease agreement. Missing proof of deposit and first month rent. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. - Seller-04/07/2026 Open-Missing Lease Agreement for REO 3b. Rent income was used for qualification. Missing copy of the Lease Agreement to support rent income used for qualification. Additional findings may apply. - Due Diligence Vendor-04/06/2026 |
Ready for Review-The DTI
ratio for this loan is very strong with ample room. Furthermore, the rental
income in question accounts for only $XXXX out of the borrower’s total
monthly income of XXXX. Given the minimal impact of this amount on the
overall qualification and the borrower's solid financial profile, we kindly
request you to clear this condition. - Seller-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/07/2026 |
Resolved-Received lease
agreement meeting guideline 10.9.1 - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 29.18 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 780 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122481 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-03 10:06 | 2026-04-03 10:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/03/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/03/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 54.79 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000123281 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000122448 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-04-06 15:45 | 2026-04-13 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated
fraud report reflecting all interested parties. - Due Diligence
Vendor-04/13/2026 Ready for Review-Document Uploaded. - Seller-04/10/2026 Counter-Received fraud report. Missing re agents and re companies in interested party search. Missing high alert clearance. - Due Diligence Vendor-04/09/2026 Ready for Review-Document Uploaded. - Seller-04/08/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/06/2026 |
Ready for Review-Document
Uploaded. - Seller-04/10/2026 Ready for Review-Document Uploaded. - Seller-04/08/2026 |
Resolved-Received updated
fraud report reflecting all interested parties. - Due Diligence
Vendor-04/13/2026 |
LTV is less than guideline
maximum - Required is 75 Borrower has 65 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 813 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.41 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122464 | D | A | D | A | A | A | A | A | Closed | FCRE0197 | 2026-04-06 17:16 | 2026-04-17 12:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller
CD and PCCD. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see the final settlement statement and PCCD - Seller-04/15/2026 Counter-Received certified final seller CD. Disbursement date reflects as XXXX. Closing statement for borrower received reflects disbursement date of XXXX. Review is missing final settlement statement for borrower. - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. Please see the final seller CD - Seller-04/10/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-04/06/2026 |
Ready for Review-Document
Uploaded. Please see the final settlement statement and PCCD -
Seller-04/15/2026 Ready for Review-Document Uploaded. Please see the final seller CD - Seller-04/10/2026 |
Resolved-Received Seller
CD and PCCD. - Due Diligence Vendor-04/17/2026 |
LTV is less than guideline
maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 2.57 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122464 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2026-04-07 23:41 | 2026-04-14 13:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA
questionnaire. - Due Diligence
Vendor-04/14/2026 Ready for Review-Document Uploaded. Please see the document - Seller-04/10/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. The HOA Condo Questionnaire Document is Missing. - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document
Uploaded. Please see the document -
Seller-04/10/2026 |
Resolved-Received HOA
questionnaire. - Due Diligence
Vendor-04/14/2026 |
LTV is less than guideline
maximum - Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 2.57 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000121496 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000124446 | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-04-08 15:44 | 2026-04-15 16:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received
appraisal, appraiser states Smoke / CO2 detectors are on site and
functioning. - Due Diligence Vendor-04/15/2026 Ready for Review-Document Uploaded. Updated appraisal report has been attached. -Smoke / CO2 detectors on site & functioning -Smoke / CO2 detector comment added in comments in improvements section - Seller-04/14/2026 Open-Property Issues are identified for the property Missing evidence subject property contains smoke alarms as required by XXXX state fire safety laws and legislation; effective XXXX 10yr sealed battery alarms required in existing SFR dwellings that were constructed prior to the state's adoption of the XXXX. - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document
Uploaded. Updated appraisal report has been attached. -Smoke / CO2 detectors on site & functioning -Smoke / CO2 detector comment added in comments in improvements section - Seller-04/14/2026 |
Resolved-Received
appraisal, appraiser states Smoke / CO2 detectors are on site and
functioning. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
734 LTV is less than guideline maximum - Required is 80 Borrower has 40.94 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000123087 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000122726 | B | B | A | A | B | B | A | A | Closed | FCOM1353 | 2026-04-09 11:25 | 2026-04-09 11:25 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR
Form Type is selected in light of the Same Creditor or Lender Affiliate
Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance
selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |
Waived-The Incorrect ROR
Form Type is selected in light of the Same Creditor or Lender Affiliate
Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance
selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 36.21 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122726 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-09 11:25 | 2026-04-09 11:25 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/09/2026 |
Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/09/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 36.21 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127432 | C | B | C | A | B | B | A | A | Closed | FCRE1485 | 2026-04-08 18:48 | 2026-04-17 13:21 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Received PCCD
reflecting receipt of the Gift. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. please see the attached. - Seller-04/15/2026 Open-Asset 7 Does Not Meet Guideline Requirements Missing proof of Gift funds ($XXX) wired to closing. Final CD XXXX, nor Seller CD XXXX reflect receipt of Donor funds. - Due Diligence Vendor-04/08/2026 |
Ready for Review-Document
Uploaded. please see the attached. -
Seller-04/15/2026 |
Resolved-Received PCCD
reflecting receipt of the Gift. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
810 Months Reserves exceed minimum required - Reserves Required 4 Verified 6 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127432 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-04-08 11:51 | 2026-04-08 12:26 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/08/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
810 Months Reserves exceed minimum required - Reserves Required 4 Verified 6 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000123092 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-10 14:06 | 2026-04-10 14:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-04/10/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material findings - Due Diligence Vendor-04/10/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122728 | D | B | D | A | C | B | A | A | Closed | finding-3617 | 2026-04-12 11:22 | 2026-04-22 13:09 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-04/22/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-04/21/2026 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of XXXX, but closing date is XXXX (signed XXXX). Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/12/2026 |
Ready for Review-Document
Uploaded. Uploaded. See PCCD. - Seller-04/21/2026 |
Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-04/22/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 32.45 LTV is less than guideline maximum - Required is 80 Borrower has 74.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 811 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122728 | D | B | D | A | C | B | A | A | Closed | FCRE5782 | 2026-04-13 12:34 | 2026-04-21 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap
Report. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-04/18/2026 Open-Borrower 1 Gap Credit Report is Missing Provide either gap report or UDM within 10 business days of closing. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document
Uploaded. Uploaded. See Soft Pull. - Seller-04/18/2026 |
Resolved-Received Gap
Report. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 32.45 LTV is less than guideline maximum - Required is 80 Borrower has 74.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 811 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122728 | D | B | D | A | C | B | A | A | Closed | FCRE1204 | 2026-04-13 12:38 | 2026-04-21 13:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts
Summary with all alerts cleared. - Due Diligence Vendor-04/21/2026 Ready for Review-Document Uploaded. Uploaded. See updated Fraud Report. - Seller-04/20/2026 Open-Fraud Report Shows Uncleared Alerts Provide updated Fraud report showing alerts have been cleared. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document
Uploaded. Uploaded. See updated Fraud Report. - Seller-04/20/2026 |
Resolved-Received Alerts
Summary with all alerts cleared. - Due Diligence Vendor-04/21/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 32.45 LTV is less than guideline maximum - Required is 80 Borrower has 74.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 811 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122728 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-04-12 10:42 | 2026-04-13 03:35 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/12/2026 | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/12/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 32.45 LTV is less than guideline maximum - Required is 80 Borrower has 74.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 811 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000123418 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-10 09:14 | 2026-04-10 10:54 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/10/2026 | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 31.02 LTV is less than guideline maximum - Required is 80 Borrower has 60 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 770 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX | ||||
| XXXX | 4000123421 | C | A | C | A | A | A | A | A | Closed | FCRE1506 | 2026-04-13 12:43 | 2026-05-12 10:49 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received escrow
receipt of gift funds. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Insufficient Assets-Provide evidence of $XXXX Gift was received and deposit in escrow, without this gift Loan is short of reserves and funds to close. Cash to close Amount XXXXX, was wired to title, no others funds were verified for the 4 months of Reserves required. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Document
Uploaded. - Seller-05/08/2026 |
Resolved-Received escrow
receipt of gift funds. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below
maximum allowed - Required is 50 Borrower has 37.12 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000123421 | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2026-04-13 21:32 | 2026-05-12 10:47 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received escrow
receipt of funds. - Due Diligence
Vendor-05/12/2026 Ready for Review-Document Uploaded. Please See Gift Receipt - Seller-05/08/2026 Counter-PCCD provided. Please provide the Title receipt of the gift funds. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. please see the PCCD - Seller-04/30/2026 Counter-Received Settlement Statement with different disbursement date than CD received in review. Please provide PCCD and title receipt of gift funds $XXXk. Additional conditions may apply - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. Please see the final settlement statement. $XXXX additional deposit. - Seller-04/28/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Provide evidence of $XXXX Gift was received and deposit in escrow, without this gift Loan is short of reserves and funds to close. Cash to close Amount XXXX0, was wired to title, no others funds were verified for the 4 months of Reserves required. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document
Uploaded. Please See Gift Receipt - Seller-05/08/2026 Ready for Review-Document Uploaded. please see the PCCD - Seller-04/30/2026 Ready for Review-Document Uploaded. Please see the final settlement statement. $XXXXadditional deposit. - Seller-04/28/2026 |
Resolved-Received escrow
receipt of funds. - Due Diligence
Vendor-05/12/2026 |
Qualifying DTI below
maximum allowed - Required is 50 Borrower has 37.12 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125195 | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2026-05-04 22:01 | 2026-05-12 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received
confirmation full HOI policy required for detached condo. - Due Diligence Vendor-05/12/2026 Ready for Review-Since this property is a Detached Condo, master insurance is not required. Please clear this condition. - Seller-05/11/2026 Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-05/05/2026 |
Ready for Review-Since
this property is a Detached Condo, master insurance is not required. Please
clear this condition. - Seller-05/11/2026 |
Resolved-Received
confirmation full HOI policy required for detached condo. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
712 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.2 LTV is less than guideline maximum - Required is 80 Borrower has 72 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000122262 | C | A | C | A | A | A | A | A | Closed | FCRE1509 | 2026-04-13 09:06 | 2026-04-20 09:49 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-After further
review, the prepay was entered incorrectly and has been updated. - Due
Diligence Vendor-04/20/2026 Ready for Review-Clear Request_Email: ISSUES EXIST ON THE NOTE DOCUMENT (XXXX) - Seller-04/17/2026 Counter-Per the Note the PPP is 12-month period exceeds 20% of the original Principal balance which calculates to XXXX. Finding remains. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Hello, We are formally requesting a clearance for the condition regarding the discrepancy between the Prepayment Penalty (PPP) on the Final Closing Disclosure (CD) and the PPP Note Addendum. The condition states that the PPP Max amount of XXXX on the Note Addendum does not correlate with the XXXX on the Final CD. However, upon reviewing the executed legal documents, there is no discrepancy. The calculation is as follows: Verification of Figures: Original Loan Amount: XXXX (per CD and Note), PPP Rate (1st Year):XXXX (per PPP Note Addendum, Page 2), Max Penalty Calculation: XXXX Document Correlation: Final CD (Page 1): Explicitly states the Prepayment Penalty is "As high as XXXX", PPP Note Addendum: Confirms a penalty of 5.000% of the portion prepaid (up to the full principal balance) during the first year. The legal documents and the CD are perfectly aligned at XXXX, please clear this condition. Thank you, - Seller-04/14/2026 Open-There are Issues Present on the Note that must be addressed. -----PPP Max Prepayment Amount of XXXX per the PPP Addendum to Note does not correlate with the PPP Max amount on the Final CD stated at XXXX. - Due Diligence Vendor-04/13/2026 |
Ready for Review-Clear
Request_Email: ISSUES EXIST ON THE NOTE DOCUMENT (XXXX) - Seller-04/17/2026
Ready for Review-Document Uploaded. Hello, We are formally requesting a clearance for the condition regarding the discrepancy between the Prepayment Penalty (PPP) on the Final Closing Disclosure (CD) and the PPP Note Addendum. The condition states that the PPP Max amount of XXXX on the Note Addendum does not correlate with the XXXX on the Final CD. However, upon reviewing the executed legal documents, there is no discrepancy. The calculation is as follows: Verification of Figures: Original Loan Amount: XXXX (per CD and Note), PPP Rate (1st Year): XXXX (per PPP Note Addendum, Page 2), Max Penalty Calculation: XXXX Document Correlation: Final CD (Page 1): Explicitly states the Prepayment Penalty is "As high as XXXX", PPP Note Addendum: Confirms a penalty of 5.000% of the portion prepaid (up to the full principal balance) during the first year. The legal documents and the CD are perfectly aligned at XXXX, please clear this condition. Thank you, - Seller-04/14/2026 |
Resolved-After further
review, the prepay was entered incorrectly and has been updated. - Due
Diligence Vendor-04/20/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 39.29 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 723 LTV is less than guideline maximum - Required is 80 Borrower has 74.57 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000122473 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2026-04-14 14:52 | 2026-04-17 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received
Management Approval. - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. Please see the letter - Seller-04/15/2026 Open-Third Party Fraud Report Partially Provided Missing UW Review, Fraud Report score >800. Per guides XXXX 10/15/2025: XXXX scores above 800 from XXXX require management review and approval by the Underwriting Manager in order to proceed with the loan. - Due Diligence Vendor-04/14/2026 |
Ready for Review-Document
Uploaded. Please see the letter - Seller-04/15/2026 |
Resolved-Received
Management Approval. - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
810 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.83 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122473 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-04-14 10:09 | 2026-04-14 12:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
810 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.83 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127431 | D | B | A | A | D | B | A | A | Closed | FCOM5135 | 2026-04-14 12:50 | 2026-04-29 09:56 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/14/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
765 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.53 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127431 | D | B | A | A | D | B | A | A | Closed | finding-3646 | 2026-04-15 06:09 | 2026-04-16 12:56 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. - Seller-04/16/2026 Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. -----PC Cd has been issued on the same day as the Final Cd XXXX. Please provide PC Cd with a date after the consummation date. - Due Diligence Vendor-04/15/2026 |
Ready for Review-Document
Uploaded. - Seller-04/16/2026 |
Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
765 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.53 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000122264 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-13 09:55 | 2026-04-13 09:55 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/13/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/13/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 43.21 LTV is less than guideline maximum - Required is 80 Borrower has 69.37 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000122458 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000127434 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-15 10:31 | 2026-04-15 10:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings - Due Diligence Vendor-04/15/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
772 LTV is less than guideline maximum - Required is 80 Borrower has 73.86 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127429 | D | A | C | A | D | A | A | A | Closed | FCRE1455 | 2026-04-14 13:55 | 2026-04-17 11:07 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Upon further
review, Gift - properly documented - Due Diligence Vendor-04/17/2026 Open-Asset 1 Less Than 2 Months Verified Gift - properly documented - Due Diligence Vendor-04/14/2026 |
Resolved-Upon further
review, Gift - properly documented - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below
maximum allowed - Required is 50 Borrower has 44.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000127429 | D | A | C | A | D | A | A | A | Closed | FCRE1510 | 2026-04-13 10:13 | 2026-04-17 11:02 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further
review, looks like when package went through XXXX the Notary area was
BLANK. Same thing for multiple pages
on 1003. Was able to locate the
Mortgage in the original PDF with Notary visible, and 1003 with all pages
visible. - Due Diligence Vendor-04/17/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary on page 25 of the security instrument is not legible. - Due Diligence Vendor-04/13/2026 |
Resolved-Upon further
review, looks like when package went through XXXX the Notary area was
BLANK. Same thing for multiple pages
on 1003. Was able to locate the
Mortgage in the original PDF with Notary visible, and 1003 with all pages
visible. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below
maximum allowed - Required is 50 Borrower has 44.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000127429 | D | A | C | A | D | A | A | A | Closed | FCOM1233 | 2026-04-13 10:28 | 2026-04-17 11:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Upon further
review, looks like when package went through XXXX the Notary area was
BLANK. Same thing for multiple pages
on 1003. Was able to locate the
Mortgage in the original PDF with Notary visible, and 1003 with all pages
visible. - Due Diligence Vendor-04/17/2026 Open-The Final 1003 is Incomplete Please provide a new Final loan application with all pages clearly legible and housing history completed on page 1. - Due Diligence Vendor-04/13/2026 |
Resolved-Upon further
review, looks like when package went through XXXX the Notary area was
BLANK. Same thing for multiple pages
on 1003. Was able to locate the
Mortgage in the original PDF with Notary visible, and 1003 with all pages
visible. - Due Diligence Vendor-04/17/2026 |
Qualifying DTI below
maximum allowed - Required is 50 Borrower has 44.49 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000125711 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-14 12:07 | 2026-04-14 12:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/14/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777 Required is 660 Borrower has 777 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.91 Required is 49.99 Borrower has 32.91 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000124821 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-15 12:30 | 2026-04-16 08:02 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/16/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
817 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 8.21 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX | ||||
| XXXX | 4000125535 | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2026-04-16 10:28 | 2026-04-17 16:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE
for B2 - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing a verbal Verification of Employment (VOE) from current employer dated no more than 10-calendar days prior to note date. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document
Uploaded. - Seller-04/17/2026 |
Resolved-Received VVOE
for B2 - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
791 Months Reserves exceed minimum required - 16.73 mths reserves; 3 mths required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125535 | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2026-04-16 10:28 | 2026-04-17 16:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE
for B1 - Due Diligence Vendor-04/17/2026 Ready for Review-Document Uploaded. - Seller-04/17/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing a verbal Verification of Employment (VOE) from current employer dated no more than 10-calendar days prior to note date. - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document
Uploaded. - Seller-04/17/2026 |
Resolved-Received VVOE
for B1 - Due Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
791 Months Reserves exceed minimum required - 16.73 mths reserves; 3 mths required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125535 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-04-16 11:13 | 2026-04-17 16:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further
review, the UDM was a part of the XXXX Report for Both B1 and B2 - Due
Diligence Vendor-04/17/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Report - Due Diligence Vendor-04/16/2026 |
Resolved-Upon further
review, the UDM was a part of the XXXX Report for Both B1 and B2 - Due
Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
791 Months Reserves exceed minimum required - 16.73 mths reserves; 3 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000125535 | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2026-04-16 11:13 | 2026-04-17 16:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Upon further
review, the UDM was a part of the XXXX Report for Both B1 and B2 - Due
Diligence Vendor-04/17/2026 Open-Borrower 2 Gap Credit Report is Missing Missing Gap Report - Due Diligence Vendor-04/16/2026 |
Resolved-Upon further
review, the UDM was a part of the XXXX Report for Both B1 and B2 - Due
Diligence Vendor-04/17/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
791 Months Reserves exceed minimum required - 16.73 mths reserves; 3 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000123416 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-17 12:18 | 2026-04-17 12:18 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/17/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/17/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 65.57 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 812 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.6 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000124834 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000124842 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-04-20 11:01 | 2026-04-20 11:01 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/20/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
810 LTV is less than guideline maximum - Required is 80 Borrower has 62.12 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000126139 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000125171 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000124932 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-04-28 15:24 | 2026-05-07 13:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final
CD for refi. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Hello Team Please See Note HOI and XXXX this file XXXX was closed on XXXX - Seller-05/06/2026 Open-Housing History Does Not Meet Guideline Requirements Missing documentation verifying VOM for REO 3A new XXXX as stated on Final 1003. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document
Uploaded. Hello Team Please See Note HOI and XXXX this file XXXX was closed
on XXXX - Seller-05/06/2026 |
Resolved-Received final
CD for refi. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
775 LTV is less than guideline maximum - Required is 70 Borrower has 49.21 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.72 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000124932 | D | B | D | B | A | A | A | A | Closed | FCRE1199 | 2026-04-28 14:24 | 2026-05-04 11:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator
provided a waiver for loan amount, applied to non material finding with comp
factors - Due Diligence
Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see the document - Seller-04/30/2026 Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $XXXXXXSubject loan amount XXXX. Per guides XXXX XXXXX; Maximum loan amount $XX. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document
Uploaded. Please see the document - Seller-04/30/2026 |
Waived-Originator
provided a waiver for loan amount, applied to non material finding with comp
factors - Due Diligence
Vendor-05/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
775 LTV is less than guideline maximum - Required is 70 Borrower has 49.21 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.72 |
.125 LPA 50% down payment 775 FICO, DTI < 20% $100,000 monthly residual income. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | |
| XXXX | 4000124932 | D | B | D | B | A | A | A | A | Closed | FCRE1202 | 2026-04-28 12:57 | 2026-05-04 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received
Management approval. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see the document - Seller-04/30/2026 Open-Third Party Fraud Report Partially Provided Missing UW Fraud Report Review, score >800 - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document
Uploaded. Please see the document - Seller-04/30/2026 |
Resolved-Received
Management approval. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
775 LTV is less than guideline maximum - Required is 70 Borrower has 49.21 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.72 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000124932 | D | B | D | B | A | A | A | A | Closed | FCRE7497 | 2026-04-28 15:26 | 2026-05-04 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA
for 3a. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see the final CD for the REO 3A - Seller-04/30/2026 Open-Missing information used for taxes, insurance, and/or HOA for REO 3A. No documentation in file reflect total used to qualify on Final 1003. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document
Uploaded. Please see the final CD for the REO 3A - Seller-04/30/2026 |
Resolved-Received PITIA
for 3a. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
775 LTV is less than guideline maximum - Required is 70 Borrower has 49.21 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.72 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000124837 | A | B | A | A | A | B | A | A | Closed | FCOM5135 | 2026-04-23 12:00 | 2026-07-02 11:57 | Waived | 2 - Non-Material | A | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-07/02/2026 Open-Required Affiliated Business Disclosure Missing. - Due Diligence Vendor-07/02/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-07/02/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 74.99 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 817 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125475 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-04-28 14:56 | 2026-06-04 12:43 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received
explanation with COC that points increased and Lender Credit decreased with
lock, fees were not listed on the COC. Finding Resolved. - Due Diligence
Vendor-06/04/2026 Ready for Review-Document Uploaded. rate was locked with a buydown which updated the pricing from 100.082 to 99.549 which removed the lender credit of $XXX and added points of $XXXX - Seller-06/04/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $XXXX to $XX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document
Uploaded. rate was locked with a buydown which updated the pricing from
100.082 to 99.549 which removed the lender credit of $XXX and added points of
$XXX - Seller-06/04/2026 |
Resolved-Received
explanation with COC that points increased and Lender Credit decreased with
lock, fees were not listed on the COC. Finding Resolved. - Due Diligence
Vendor-06/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
746 Qualifying DTI below maximum allowed - Required is 55 Borrower has 45.55 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125475 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2026-04-28 14:56 | 2026-06-04 12:43 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received
explanation with COC that points increased and Lender Credit decreased with
lock, fees were not listed on the COC. Finding Resolved. - Due Diligence
Vendor-06/04/2026 Ready for Review-Document Uploaded. rate was locked with a buydown which updated the pricing from 100.082 to 99.549 which removed the lender credit of $XXX and added points of $XXX - Seller-06/04/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $XXX (Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document
Uploaded. rate was locked with a buydown which updated the pricing from
100.082 to 99.549 which removed the lender credit of $XXX and added points of
$XXXX - Seller-06/04/2026 |
Resolved-Received
explanation with COC that points increased and Lender Credit decreased with
lock, fees were not listed on the COC. Finding Resolved. - Due Diligence
Vendor-06/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
746 Qualifying DTI below maximum allowed - Required is 55 Borrower has 45.55 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127138 | B | B | A | A | B | B | A | A | Closed | FCOM1267 | 2026-05-12 14:37 | 2026-05-12 16:46 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership
Counseling Disclosure Is Partially Provided (Date Creditor Received
Application is XXXX and Occupancy is Primary Residence) Originator waiver
applied to non-material Findings. - Due Diligence Vendor-05/12/2026 |
Waived-Homeownership
Counseling Disclosure Is Partially Provided (Date Creditor Received
Application is XXXX and Occupancy is Primary Residence) Originator waiver
applied to non-material Findings. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 43.83 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 816 LTV is less than guideline maximum - Required is 80 Borrower has 43.27 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125160 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2026-05-01 19:50 | 2026-05-07 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA
Questionnaire. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please See HOA CERT - Seller-05/06/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document
Uploaded. Please See HOA CERT - Seller-05/06/2026 |
Resolved-Received HOA
Questionnaire. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 46.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125160 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-05-01 21:21 | 2026-05-07 13:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received
management acknowledgment. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Please See UW Cert regasrdin the fraud alert - Seller-05/06/2026 Open-Third Party Fraud Report Partially Provided Missing manager approval - Due Diligence Vendor-05/02/2026 |
Ready for Review-Document
Uploaded. Please See UW Cert regasrdin the fraud alert - Seller-05/06/2026 |
Resolved-Received
management acknowledgment. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 46.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125192 | D | A | D | A | C | A | A | A | Closed | finding-3625 | 2026-04-29 14:51 | 2026-05-08 11:03 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD
XXXX correcting payee in Section B. Finding Resolved. - Due Diligence
Vendor-05/08/2026 Ready for Review-Document Uploaded. Please See PCCD - Seller-05/06/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(MERS Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document
Uploaded. Please See PCCD - Seller-05/06/2026 |
Resolved-Received PCCD
XXXX correcting payee in Section B. Finding Resolved. - Due Diligence
Vendor-05/08/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
756 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125192 | D | A | D | A | C | A | A | A | Closed | FCRE1202 | 2026-04-30 13:52 | 2026-05-08 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received UW
Certification for high score. Third Party Fraud Report is fully present - Due
Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Please See Fraud Alert UW Certification - Seller-05/06/2026 Open-Third Party Fraud Report Partially Provided Missing Underwriter Certificate Score is over 800. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document
Uploaded. Please See Fraud Alert UW Certification - Seller-05/06/2026 |
Resolved-Received UW
Certification for high score. Third Party Fraud Report is fully present - Due
Diligence Vendor-05/08/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
756 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.91 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127127 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000125174 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000127126 | C | B | C | A | B | B | A | A | Closed | FCRE1447 | 2026-04-29 13:13 | 2026-05-07 11:02 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Expired | Resolved-As the CD is a
fixed asset valid until its maturity date of XXXX, the maturity date can
serve as the "valid through" date. As the status of the asset is
already confirmed through the maturity date- the documentation should not be
subject to the standard aging guidelines that apply to regular bank
statements or VODs. - Due Diligence Vendor-05/07/2026 Open-Asset 5 Expired Missing updated verification of XXXX Certificate Of Deposit issued XXXXXXXX with maturity dateXXXX. Per XXXX XXXXX, Verified via a VOD or 1 month bank statements. - Due Diligence Vendor-04/29/2026 |
Resolved-As the CD is a
fixed asset valid until its maturity date of XXXX, the maturity date can
serve as the "valid through" date. As the status of the asset is
already confirmed through the maturity date- the documentation should not be
subject to the standard aging guidelines that apply to regular bank
statements or VODs. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
722 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000127126 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-04-28 15:34 | 2026-04-29 06:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/28/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/28/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
722 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.18 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125700 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | XXXX | 4000125633 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-04-29 09:31 | 2026-04-30 10:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator
exception granted to allow layered vested entity . Non-material waiver
applied with comp factors. Deemed non-material due to experienced investor
with numerous layered LLC's - Due Diligence Vendor-04/30/2026 Open-Layered vesting entity - Due Diligence Vendor-04/29/2026 |
Waived-Originator
exception granted to allow layered vested entity . Non-material waiver
applied with comp factors. Deemed non-material due to experienced investor
with numerous layered LLC's - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Qualifying score 761 min score
700. Required is 700 Borrower has 761 LTV is less than guideline maximum - LTV 74.01 max 80%. Required is 80 Borrower has 74.01 Months Reserves exceed minimum required - More than 1,300 months in reserves DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.013 min DSCR 0.80 Required is 0.8 Borrower has 1.013 |
761 FICO 5.6M reserves seasoned investors |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX | ||
| XXXX | XXXX | 4000124018 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-04-30 15:10 | 2026-07-02 15:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator
exception granted to non material finding with comp factors - Due Diligence
Vendor-07/02/2026 Open-Exception in file for FTHB and subject is investment. - Due Diligence Vendor-07/02/2026 |
Waived-Originator
exception granted to non material finding with comp factors - Due Diligence
Vendor-07/02/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has 736 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying DTI below maximum allowed - Required is 55 Borrower has 44.47 |
LTV, fico, 12 months
reserves, min consumer debt. purchase price XXXX. LTV based on appraisal
value would be 65.7 LTV |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX | ||
| XXXX | XXXX | 4000124018 | C | B | C | B | A | A | A | A | Closed | FCRE1481 | 2026-04-29 13:14 | 2026-05-04 12:20 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Originator
provided a waiver to use over 50% of
funds in business account and borrower is 50% owner. The other partner is
relatives, applied to non material finding with comp factors. Non-material as
the Gift letter was 1/2 of the balance of the business funds - Due Diligence
Vendor-05/04/2026 Ready for Review-Document Uploaded. our file had the enclosed XXXX exception....The gift funds were not transferred; the gift funds were to allow the borrower to use the full 100% business account balance. - Due Diligence Vendor-04/30/2026 Open-Asset Record 3 Does Not Meet G/L Requirements and asset 1- Missing evidence of transfer of gift funds from donor to borrower for $XXXXX - Due Diligence Vendor-04/29/2026 |
Waived-Originator
provided a waiver to use over 50% of
funds in business account and borrower is 50% owner. The other partner is
relatives, applied to non material finding with comp factors. Non-material as
the Gift letter was 1/2 of the balance of the business funds - Due Diligence
Vendor-05/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has 736 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying DTI below maximum allowed - Required is 55 Borrower has 44.47 |
Comp factors include +70pts fico,
+15%LTV. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | XXXX | |
| XXXX | XXXX | 4000124018 | C | B | C | B | A | A | A | A | Closed | FCRE1317 | 2026-04-29 11:58 | 2026-05-04 12:11 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total
Years Employment Verified is Greater Than or Equal To 24 Months or Not
Applicable (Borrower 1 Employment Status is Employed) - Due Diligence
Vendor-05/04/2026 Ready for Review-Document Uploaded. ENCLOSED SHOWS THE CORP OPENED IN XXXX - Seller-04/30/2026 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing 2 years evidence of history of business. Per CPA letter only verified 12 months. Missing documentation such as business license or Articles of Organization to verify when was business established. - Due Diligence Vendor-04/29/2026 |
Ready for Review-Document
Uploaded. ENCLOSED SHOWS THE CORP OPENED IN XXXX - Seller-04/30/2026 |
Resolved-Borrower 1 Total
Years Employment Verified is Greater Than or Equal To 24 Months or Not
Applicable (Borrower 1 Employment Status is Employed) - Due Diligence
Vendor-05/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has 736 LTV is less than guideline maximum - Required is 80 Borrower has 70 Qualifying DTI below maximum allowed - Required is 55 Borrower has 44.47 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | 4000125191 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-05-04 20:06 | 2026-05-08 12:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit
refresh. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Uploaded. See Credit Refresh. - Seller-05/06/2026 Counter-Received credit refresh dated XXXX. Please provide credit refresh within 10 days of Note date or after. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-05/05/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document
Uploaded. Uploaded. See Credit Refresh. - Seller-05/06/2026 Ready for Review-Document Uploaded. Uploaded. See Soft Pull. - Seller-05/05/2026 |
Resolved-Received credit
refresh. - Due Diligence Vendor-05/08/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
760 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.4 LTV is less than guideline maximum - Required is 80 Borrower has 69.14 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000124832 | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-05-04 10:54 | 2026-05-07 17:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud
Report w/All Interested Parties Checked against Exclusionary Lists - Due
Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Uploaded. See GSA/LDP, OFAC. - Seller-05/05/2026 Open-All Interested Parties Not Checked with Exclusionary Lists The non-borrowing title holder that is vested on mortgage and title was not run through exclusionary lists including OFAC. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document
Uploaded. Uploaded. See GSA/LDP, OFAC. - Seller-05/05/2026 |
Resolved-Received Fraud
Report w/All Interested Parties Checked against Exclusionary Lists - Due
Diligence Vendor-05/07/2026 |
Months Reserves exceed
minimum required - 4 months req - have 19.49 months Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125875 | C | B | A | A | C | B | A | A | Closed | finding-3625 | 2026-04-30 15:05 | 2026-05-14 13:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD
XXXX correcting payee in Section B. Finding Resolved. - Due Diligence
Vendor-05/14/2026 Ready for Review-Document Uploaded. Please see the PCCD - Seller-05/13/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Flood Certification, MERS Fee and Tax Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document
Uploaded. Please see the PCCD - Seller-05/13/2026 |
Resolved-Received PCCD
XXXX correcting payee in Section B. Finding Resolved. - Due Diligence
Vendor-05/14/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
794 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.75 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125875 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-04-30 11:28 | 2026-04-30 11:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/30/2026 | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
794 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.75 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125188 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2026-04-30 15:25 | 2026-05-07 13:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received
acknowledgement that broker paid fee is by the lender. Finding Resolved. -
Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. I will attach the existing Loan Estimate (LLE) and the Post CD for your review. Since the Loan Estimate(LLE) is an initial disclosure provided only to the borrower, the loan origination fee is not disclosed in Section A when it is lender-paid. A lender-paid loan origination fee is first reflected starting from the Initial CD, and in this file it has been clearly disclosed as lender-paid (L) in the amount of $XXXX on the Initial CD, Final CD, and Post CD. Could you please re-review the file and assist in clearing this condition? I would greatly appreciate your help. - Seller-05/05/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document
Uploaded. I will attach the existing Loan Estimate (LLE) and the Post CD for
your review. Since the Loan Estimate(LLE) is an initial disclosure provided only to the borrower, the loan origination fee is not disclosed in Section A when it is lender-paid. A lender-paid loan origination fee is first reflected starting from the Initial CD, and in this file it has been clearly disclosed as lender-paid (L) in the amount of $XXXX on the Initial CD, Final CD, and Post CD. Could you please re-review the file and assist in clearing this condition? I would greatly appreciate your help. - Seller-05/05/2026 |
Resolved-Received
acknowledgement that broker paid fee is by the lender. Finding Resolved. -
Due Diligence Vendor-05/07/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.06 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125188 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-04-30 14:48 | 2026-04-30 15:24 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/30/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-04/30/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | XXXX | 4000126790 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-04-30 10:56 | 2026-04-30 18:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator
exception granted, waiver applied with comp factors. Deemed non-material as client will allow -
Due Diligence Vendor-04/30/2026 Open-EXCEPTION IN FILE: Layered entity XXXX. XXXX - Due Diligence Vendor-04/30/2026 |
Waived-Originator
exception granted, waiver applied with comp factors. Deemed non-material as client will allow -
Due Diligence Vendor-04/30/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has 761 LTV is less than guideline maximum - Required is 90 Borrower has 75 Qualifying DTI below maximum allowed - Required is 55 Borrower has 12.5 |
fico score 20 points
above total debt 10% under requirement Long term employment over 5 yrs Mininmal consumer debt. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | XXXX | ||
| XXXX | 4000125902 | C | B | C | A | C | B | A | A | Closed | FCRE1506 | 2026-05-04 14:20 | 2026-05-13 15:02 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-DTI finding has
been resolved. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Final status is pending as DTI does not meet guidelines. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document
Uploaded. - Seller-05/12/2026 |
Resolved-DTI finding has
been resolved. - Due Diligence Vendor-05/13/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125902 | C | B | C | A | C | B | A | A | Closed | FCRE1193 | 2026-05-04 14:31 | 2026-05-13 14:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further
review the loan file contained documentation to support XXXX are in the
borrowers name only. Audited DTI of 51.58% is less than or equal to Guideline
DTI of 55% - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Open-Audited DTI of 144.89% exceeds Guideline DTI of 55% Unable to consider XXXX accounts ending XXXX since borrower is not 100% owner results in an excessive DTI. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document
Uploaded. - Seller-05/12/2026 |
Resolved-Upon further
review the loan file contained documentation to support XXXX are in the
borrowers name only. Audited DTI of 51.58% is less than or equal to Guideline
DTI of 55% - Due Diligence Vendor-05/13/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125902 | C | B | C | A | C | B | A | A | Closed | finding-3652 | 2026-04-30 15:34 | 2026-05-13 11:40 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received PCCD XXXX
with copy of letter, check and shipping Label. Finding is Cured - Due
Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/12/2026 Counter-Received COC that shows Rev'd DTI 52.695, it does not state this affects the lender credit. Finding Remains. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. 1) COC CD reflects updated original credit when income was finalized DTI jumped to 52% caused LLPA 2) Credit report fee was FBO it reflects that on the closing instructions, the CD line restricts characters its attached - Seller-05/05/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX8). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $XXXX to $XXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. Please provide valid coc for decreases. - Due Diligence Vendor-04/30/2026 |
Ready for Review-Document
Uploaded. - Seller-05/12/2026 Ready for Review-Document Uploaded. 1) COC CD reflects updated original credit when income was finalized DTI jumped to 52% caused LLPA 2) Credit report fee was FBO it reflects that on the closing instructions, the CD line restricts characters its attached - Seller-05/05/2026 |
Cured-Received PCCD XXXX
with copy of letter, check and shipping Label. Finding is Cured - Due
Diligence Vendor-05/13/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125902 | C | B | C | A | C | B | A | A | Closed | finding-3625 | 2026-05-01 10:04 | 2026-05-06 12:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received Loan
Closing Detail which shows credit report was paid FBO. Finding Resolved. -
Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. 1) COC CD reflects updated original credit when income was finalized DTI jumped to 52% caused LLPA 2) Credit report fee was FBO it reflects that on the closing instructions, the CD line restricts characters its attached - Seller-05/05/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Credit Report Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document
Uploaded. 1) COC CD reflects updated original credit when income was
finalized DTI jumped to 52% caused LLPA 2) Credit report fee was FBO it reflects that on the closing instructions, the CD line restricts characters its attached - Seller-05/05/2026 |
Resolved-Received Loan
Closing Detail which shows credit report was paid FBO. Finding Resolved. -
Due Diligence Vendor-05/06/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000124836 | C | B | C | A | B | B | A | A | Closed | FCRE8611 | 2026-05-06 11:10 | 2026-05-08 10:45 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received XXXX
search for borrowers employment, confirmed - Due Diligence Vendor-05/08/2026
Ready for Review-Document Uploaded. Uploaded. See XXXX Search. Rebuttal: XXXX Search was provided in the closing package on pages 143-144. - Seller-05/06/2026 Open-Missing verification of business phone number via Google Search, 411.com or internet. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document
Uploaded. Uploaded. See XXXX Search. Rebuttal: XXXX Search was provided in
the closing package on pages 143-144. - Seller-05/06/2026 |
Resolved-Received google
search for borrowers employment, confirmed - Due Diligence
Vendor-05/08/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 42.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000124836 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-05-01 10:51 | 2026-05-01 12:15 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-05/01/2026 | Waived-Required
Affiliated Business Disclosure Missing - Due Diligence Vendor-05/01/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 42.71 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000126702 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-01 12:31 | 2026-05-08 11:15 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/06/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/01/2026 |
Ready for Review-Document
Uploaded. Uploaded. See PCCD. - Seller-05/06/2026 |
Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
LTV is less than guideline
maximum - Required is 70 Borrower has 31.82 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.29 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000127360 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000126353 | D | B | D | B | A | A | A | A | Closed | FCRE1440 | 2026-05-05 12:42 | 2026-06-09 15:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history
was provided; loan extension was taken out in XXXX and satisified. - Due
Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. Reuploading all docs and adding recorded mortgages. Original loan was at XXXX. Then in Dec there was an increase to the loan amount and a loan extension. Then that mortgage was satisfied. All three mortgage docs are now uploaded. There was not a new mortgage taken out in XXXX just an extension on the mortgage. - Seller-06/09/2026 Counter-VOM provided for the XXXX; however, the VOM provided for the XXXX lien reflects the lien was opened XXXX; however, the fraud report reflects this lien did not open until XXXX. - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. See attached VOMs from previous mortgage on subject - Seller-06/09/2026 Open-Housing History Does Not Meet Guideline Requirements A 12-month housing payment history is required. Loan application reflects borrower resides at current residence for 2 months and lived at subject for 12 years prior. Promissory note for subject in file shows mortgage opened XXXX with a VOM to cover payment history since XXXX. Missing previous mortgage pay history for the subject, per fraud report the prior mortgage from XXXX appears to be a private mortgage and no history was found. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document
Uploaded. Reuploading all docs and adding recorded mortgages. Original loan
was at XXXX. Then in Dec there was an increase to the loan amount and a loan
extension. Then that mortgage was satisfied. All three mortgage docs are now
uploaded. There was not a new mortgage taken out inXXXX just an extension on
the mortgage. - Seller-06/09/2026 Ready for Review-Document Uploaded. See attached VOMs from previous mortgage on subject - Seller-06/09/2026 |
Resolved-Housing history
was provided; loan extension was taken out in XXXX and satisified. - Due
Diligence Vendor-06/09/2026 |
LTV is less than guideline
maximum - Required is 60 Borrower has 46.88 Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000126353 | D | B | D | B | A | A | A | A | Closed | FCRE6546 | 2026-05-05 12:57 | 2026-05-20 16:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received 2nd
lien Note. - Due Diligence
Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-Missing documentation to support the P&I for the new subordinate lien listed on the final 1003 for the subject property from XXXX. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document
Uploaded. - Seller-05/19/2026 |
Resolved-Received 2nd
lien Note. - Due Diligence
Vendor-05/20/2026 |
LTV is less than guideline
maximum - Required is 60 Borrower has 46.88 Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000126353 | D | B | D | B | A | A | A | A | Closed | FCRE1182 | 2026-05-05 12:54 | 2026-05-05 14:19 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Originator waiver
applied to non material finding - Due
Diligence Vendor-05/05/2026 Open-Missing Approval/Underwriting Summary Approval/Underwriting Summary Not Provided - Due Diligence Vendor-05/05/2026 |
Waived-Originator waiver
applied to non material finding - Due
Diligence Vendor-05/05/2026 |
LTV is less than guideline
maximum - Required is 60 Borrower has 46.88 Qualifying DTI below maximum allowed - Required is 55 Borrower has 42.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125157 | C | B | A | A | C | B | A | A | Closed | finding-47 | 2026-05-05 11:30 | 2026-05-08 10:51 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/06/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document
Uploaded. Uploaded. See PCCD. - Seller-05/06/2026 |
Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
805 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.4 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000125157 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-05 11:17 | 2026-05-05 11:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/05/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
805 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.4 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125193 | C | B | C | A | B | B | C | A | Closed | FCRE1204 | 2026-05-07 09:01 | 2026-05-12 11:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received
confirmation all high and medium alerts are cleared. - Due Diligence
Vendor-05/12/2026 Ready for Review-Document Uploaded. Please see attached - Seller-05/11/2026 Open-Fraud Report Shows Uncleared Alerts. Provide a Fraud Report reflecting all High Red Alerts cleared . - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document
Uploaded. Please see attached - Seller-05/11/2026 |
Resolved-Received
confirmation all high and medium alerts are cleared. - Due Diligence
Vendor-05/12/2026 |
Months Reserves exceed
minimum required - Reserves 3.6 exceed guideline required 0. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125193 | C | B | C | A | B | B | C | A | Closed | FPRO0025 | 2026-05-07 08:44 | 2026-05-08 14:41 | Resolved | 1 - Information | C | A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Appraiser
confirmed the subject property has smoke detectors. In the state of XXXX,
carbon monoxide detectors are required on all homes built after XXXX. The
appraiser did not observe a carbon monoxide detector in the interior of the
subject property but no concerns as the subject was built prior to XXXX (year
built per appraisal is XXXX). - Due Diligence Vendor-05/08/2026 Ready for Review-The appraiser comment states ""Appraiser to confirm smoke/CO detectors installed and if they are functioning." -The subject property has smoke detectors in the subject property." Please remove condition. - Seller-05/08/2026 Open-Smoke Detector/Carbon Monoxide detector has issues. Per Appraiser comments : The appraiser did not observe a carbon monoxide detector in the interior of the subject property. In the state of XXXX, carbon monoxide detectors are required on all homes built after XXXX. Provide a 1004D supporting carbon monoxide detector are installed. - Due Diligence Vendor-05/07/2026 |
Ready for Review-The
appraiser comment states ""Appraiser to confirm smoke/CO detectors
installed and if they are functioning." -The subject property has smoke detectors in the subject property." Please remove condition. - Seller-05/08/2026 |
Resolved-Appraiser
confirmed the subject property has smoke detectors. In the state of XXXX,
carbon monoxide detectors are required on all homes built after XXXX. The
appraiser did not observe a carbon monoxide detector in the interior of the
subject property but no concerns as the subject was built prior to XXXX (year
built per appraisal is XXXX). - Due Diligence Vendor-05/08/2026 |
Months Reserves exceed
minimum required - Reserves 3.6 exceed guideline required 0. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125193 | C | B | C | A | B | B | C | A | Closed | FCOM5135 | 2026-05-06 14:34 | 2026-05-06 14:56 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/06/2026 |
Months Reserves exceed
minimum required - Reserves 3.6 exceed guideline required 0. Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127128 | D | B | D | A | B | B | A | A | Closed | FCRE8611 | 2026-05-06 10:21 | 2026-05-08 12:32 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received
validation of business phone number.
- Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. I've attached the XXXX search for 'XXXX'. there is employer address, phone number. Thank you - Seller-05/07/2026 Open-Missing verification of business phone number via Google Search, 411.com or internet. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document
Uploaded. I've attached the XXXX search for 'XXXX'. there is employer
address, phone number. Thank you - Seller-05/07/2026 |
Resolved-Received
validation of business phone number.
- Due Diligence Vendor-05/08/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
750 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.16 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127128 | D | B | D | A | B | B | A | A | Closed | FCRE7497 | 2026-05-06 10:22 | 2026-05-08 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received
confirmation no HOA and corrected final 1003 - Due Diligence
Vendor-05/08/2026 Ready for Review-Document Uploaded. Based on the attached information, the REO Properties (XXXX) do not have HOA Dues. Please assist in clearing the condition. thank you! - Seller-05/07/2026 Open-Missing verification of HOA dues on properties 3A and 3B - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document
Uploaded. Based on the attached information, the REO Properties (XXXX) do not
have HOA Dues. Please assist in clearing the condition. thank you! -
Seller-05/07/2026 |
Resolved-Received
confirmation no HOA and corrected final 1003 - Due Diligence
Vendor-05/08/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
750 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.16 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127128 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-05-04 12:37 | 2026-05-04 12:37 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/04/2026 |
Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 680 Borrower has
750 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.16 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127883 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-05-05 14:34 | 2026-05-13 13:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further
review, the document(s) are located in original file, nothing further
required. - Due Diligence
Vendor-05/13/2026 Ready for Review-Document Uploaded. Uploaded. See COC's dated XXXX. Rebuttal: COC's were provided in the closing package page 189 ( COC XXXX Transfer Taxes increase ) and page 202 ( COC XXXX Transfer Taxes increase ). - Seller-05/11/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $924.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $924.00 (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $924.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document
Uploaded. Uploaded. See COC's dated XXXX. Rebuttal: COC's were provided in
the closing package page 189 ( COC XXXX Transfer Taxes increase ) and page
202 ( COC XXXX Transfer Taxes increase
). - Seller-05/11/2026 |
Resolved-Upon further
review, the document(s) are located in original file, nothing further
required. - Due Diligence
Vendor-05/13/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 38.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127883 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-05 13:45 | 2026-05-05 13:45 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/05/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 38.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000126698 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2026-05-05 13:30 | 2026-05-12 14:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Uploaded. See PCCD. - Seller-05/11/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date XXXX. - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document
Uploaded. Uploaded. See PCCD. - Seller-05/11/2026 |
Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/12/2026 |
LTV is less than guideline
maximum - Required is 75 Borrower has 26.18 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 15.93 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | ||
| XXXX | 4000126715 | D | B | D | A | B | B | A | A | Closed | FCRE1202 | 2026-05-07 14:46 | 2026-05-12 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Upon further
review, the loan file contained all required fraud report documentation - Due
Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. The full Fraud Report has already been provided, and the Underwriter Certificate related to the fraud score was also submitted previously. All required documents have been included. (it has been attached again on page 22 of this attachment). Could you please re-review the file and assist in clearing the condition? - Seller-05/10/2026 Open-Third Party Fraud Report Partially Provided Missing management approval for fraud score - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document
Uploaded. The full Fraud Report has already been provided, and the
Underwriter Certificate related to the fraud score was also submitted
previously. All required documents have been included. (it has been attached again on page 22 of this attachment). Could you please re-review the file and assist in clearing the condition? - Seller-05/10/2026 |
Resolved-Upon further
review, the loan file contained all required fraud report documentation - Due
Diligence Vendor-05/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
806 Months Reserves exceed minimum required - Reserves = 17.65 months – Required Reserves = 4 Months |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000126715 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-05-05 13:47 | 2026-05-05 13:47 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
806 Months Reserves exceed minimum required - Reserves = 17.65 months – Required Reserves = 4 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127889 | C | B | C | A | B | B | A | A | Closed | FCRE1506 | 2026-05-06 16:06 | 2026-05-19 15:36 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received copy of
Note confirming borrower not obligated on departing residence mortgage. - Due
Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Hello, I attach a file for XXXX Thank you, - Seller-05/17/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need housing history for departing primary residence. Additional findings may apply. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document
Uploaded. Hello, I attach a file for XXXX Thank you, - Seller-05/17/2026 |
Resolved-Received copy of
Note confirming borrower not obligated on departing residence mortgage. - Due
Diligence Vendor-05/19/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127889 | C | B | C | A | B | B | A | A | Closed | FCRE1440 | 2026-05-06 15:22 | 2026-05-19 15:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received copy of
Note confirming borrower not obligated on departing residence mortgage. - Due
Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Hello, I attach a file for XXXX Thank you, - Seller-05/17/2026 Open-Housing History Does Not Meet Guideline Requirements Need housing history for departing primary. Additional findings may apply. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document
Uploaded. Hello, I attach a file for XXXX Thank you, - Seller-05/17/2026 |
Resolved-Received copy of
Note confirming borrower not obligated on departing residence mortgage. - Due
Diligence Vendor-05/19/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127889 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-05-04 12:36 | 2026-05-04 13:04 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/04/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/04/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125881 | C | B | C | A | B | B | A | A | Closed | FCRE9501 | 2026-05-06 17:21 | 2026-05-11 13:28 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified
Assets Post-Close are greater than $X. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. please review the attached PCCD - Seller-05/07/2026 Open-Total Qualified Assets Post-Close amount is '$-XXXX'. Assets are Insufficient. Subject primary purchase. Borr short -$XXX funds to close. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document
Uploaded. please review the attached PCCD - Seller-05/07/2026 |
Resolved-Total Qualified
Assets Post-Close are greater than $0. - Due Diligence Vendor-05/11/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 14.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 LTV is less than guideline maximum - Required is 75 Borrower has 69.92 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125881 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-05-04 13:09 | 2026-05-04 14:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings - Due Diligence Vendor-05/04/2026 |
Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings - Due Diligence Vendor-05/04/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 14.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 LTV is less than guideline maximum - Required is 75 Borrower has 69.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000126705 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2026-05-06 15:46 | 2026-05-11 15:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Fee
clarification received. - Due Diligence Vendor-05/11/2026 Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-05/10/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/06/2026 |
Ready for Review-It's a
lender paid broker compensation fee. Please clear this condition. - Seller-05/10/2026 |
Resolved-Fee
clarification received. - Due Diligence Vendor-05/11/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.09 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000126705 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-06 15:10 | 2026-05-06 15:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.09 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127007 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-05-07 18:14 | 2026-05-14 12:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further
review, borrower received a partial refund of the Deposit. Guidelines allows gift funds to be used as
reserves. Audited Reserves of 7.92 month(s) are greater than or equal to
Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/14/2026
Ready for Review-Document Uploaded. Borrower received $XXK back at closing which can be used for reserves - Seller-05/12/2026 Open-Audited Reserves of 0.02 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document
Uploaded. Borrower received $XXK back at closing which can be used for
reserves - Seller-05/12/2026 |
Resolved-Upon further
review, borrower received a partial refund of the Deposit. Guidelines allows gift funds to be used as
reserves. Audited Reserves of 7.92 month(s) are greater than or equal to
Guideline Required Reserves of 6 month(s) - Due Diligence
Vendor-05/14/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 740 Borrower has
762 Long term residence - 4 years |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127876 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000126712 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000125186 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-05-05 14:55 | 2026-05-05 14:55 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/05/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 35.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 816 LTV is less than guideline maximum - Required is 80 Borrower has 48.34 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127891 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000127882 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-05-05 15:12 | 2026-07-02 12:08 | Waived | 2 - Non-Material | A | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-07/02/2026 Open-Required Affiliated Business Disclosure Missing. - Due Diligence Vendor-07/02/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-07/02/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000127882 | D | B | D | A | C | B | A | A | Closed | FCRE1506 | 2026-05-07 18:50 | 2026-05-12 11:59 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received perm
resident alien card and rent free letter. - Due Diligence Vendor-05/12/2026
Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing LOE, per Final 1003 Borr living rent free at time of application. - Due Diligence Vendor-05/07/2026 |
Resolved-Received perm
resident alien card and rent free letter. - Due Diligence
Vendor-05/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||||
| XXXX | 4000127882 | D | B | D | A | C | B | A | A | Closed | FCRE1440 | 2026-05-07 18:40 | 2026-05-12 11:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent
free letter. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. please see the attachment - Seller-05/11/2026 Open-Housing History Does Not Meet Guideline Requirements Missing LOE, per Final 1003 Borr living rent free at time of application. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document
Uploaded. please see the attachment -
Seller-05/11/2026 |
Resolved-Received rent
free letter. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.01 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127882 | D | B | D | A | C | B | A | A | Closed | FCRE6019 | 2026-05-05 14:54 | 2026-05-12 11:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received perm
resident alien card. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. please see the attached PR - Seller-05/11/2026 Open-Borrower Citizenship Documentation Is Missing Green Card not in the file - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document
Uploaded. please see the attached PR -
Seller-05/11/2026 |
Resolved-Received perm
resident alien card. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.01 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000127882 | D | B | D | A | C | B | A | A | Closed | finding-3646 | 2026-05-05 21:56 | 2026-05-12 10:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. please see the attached pccd with updated issued date - Seller-05/11/2026 Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. -----The Final Cd and the PC Cd both were issued on the same date XXXX and both have the same closing costs and cash to close amount. Please provide Post Close CD. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document
Uploaded. please see the attached pccd with updated issued date -
Seller-05/11/2026 |
Resolved-Received PCCD
XXXX. Finding Resolved. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
744 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.01 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125879 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-05-06 16:29 | 2026-05-06 16:29 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/06/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
757 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.21 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000128753 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000126714 | C | B | A | A | C | B | A | A | Closed | FCOM9998 | 2026-05-06 15:52 | 2026-05-11 15:25 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Fee
Clarification received - Due Diligence Vendor-05/11/2026 Ready for Review-It's a lender paid broker compensation fee. Please clear this condition. - Seller-05/11/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/06/2026 |
Ready for Review-It's a
lender paid broker compensation fee. Please clear this condition. -
Seller-05/11/2026 |
Resolved-Fee
Clarification received - Due Diligence Vendor-05/11/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 41.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | |||
| XXXX | 4000126714 | C | B | A | A | C | B | A | A | Closed | FCOM5135 | 2026-05-06 15:31 | 2026-05-06 15:31 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/06/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 41.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000126704 | D | B | D | A | B | B | A | A | Closed | FCRE1316 | 2026-05-08 21:47 | 2026-05-15 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE -
Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. please see the attached VVOE - Seller-05/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document
Uploaded. please see the attached VVOE - Seller-05/13/2026 |
Resolved-Received VVOE -
Due Diligence Vendor-05/13/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000126704 | D | B | D | A | B | B | A | A | Closed | FCRE1325 | 2026-05-08 21:47 | 2026-05-15 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC
license validation. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please review the attachment. Thank you! - Seller-05/14/2026 Counter-Received duplicate CTEC letter. Please provide CTEC license validation as review is unable to locate within file received. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Hello team, please review the attached CPA letter which already inlcuded in closing package (pg. 82) and cleart this condition. - Seller-05/12/2026 Open-Borrower 1 CPA Letter Missing •CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-05/09/2026 |
Ready for Review-Document
Uploaded. Please review the attachment. Thank you! - Seller-05/14/2026 Ready for Review-Document Uploaded. Hello team, please review the attached CPA letter which already inlcuded in closing package (pg. 82) and cleart this condition. - Seller-05/12/2026 |
Resolved-Received CTEC
license validation. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000126704 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-05-07 12:17 | 2026-05-07 12:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/07/2026 |
Waived-Required
Affiliated Business Disclosure Missing ----- Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 40.43 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000128748 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-05-06 15:38 | 2026-05-07 10:30 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material finding - Due Diligence Vendor-05/06/2026 |
Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material finding - Due Diligence Vendor-05/06/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 37.6 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | XXXX | 4000123816 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2026-05-08 09:11 | 2026-05-11 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received XXXX
extension. - Due Diligence
Vendor-05/11/2026 Ready for Review-Document Uploaded. enclosed extension was in our file... are you looking for something different? - Seller-05/08/2026 Open-Missing XXXX XXX extension filed for 1040's - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document
Uploaded. enclosed extension was in our file... are you looking for something
different? - Seller-05/08/2026 |
Resolved-Received XXXX
extension. - Due Diligence
Vendor-05/11/2026 |
Qualifying DTI below
maximum allowed - Required is 50 Borrower has 37.37 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 LTV is less than guideline maximum - Required is 80 Borrower has 71.93 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXXX | |
| XXXX | 4000124008 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000127887 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000127892 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000126710 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-05-12 22:05 | 2026-05-15 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit
refresh. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document
Uploaded. - Seller-05/13/2026 |
Resolved-Received credit
refresh. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 18.97 LTV is less than guideline maximum - Required is 80 Borrower has 69.02 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 823 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000125187 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-05-07 13:28 | 2026-05-07 13:28 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/07/2026 |
Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline
maximum - Required is 80 Borrower has 55 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 819 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000126917 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | XXXX | 4000127001 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | 4000125185 | B | B | A | A | B | B | A | A | Closed | FCOM5135 | 2026-05-11 10:08 | 2026-05-11 10:08 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/11/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
784 Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.59 Required is 49.99 Borrower has 38.59 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000128750 | D | B | D | A | C | B | A | A | Closed | FCRE1325 | 2026-05-08 22:46 | 2026-05-14 11:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC
license validation. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. I've attached the CPA letter with tax prepaper's license status using license lookup. Please re-review and assist in clearing the condition - Seller-05/13/2026 Open-Borrower 1 CPA Letter Missing • CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-05/09/2026 |
Ready for Review-Document
Uploaded. I've attached the CPA letter with tax prepaper's license status
using license lookup. Please re-review and assist in clearing the
condition - Seller-05/13/2026 |
Resolved-Received CTEC
license validation. - Due Diligence Vendor-05/14/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 37.55 LTV is less than guideline maximum - Required is 80 Borrower has 48.39 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000128750 | D | B | D | A | C | B | A | A | Closed | FCOM9998 | 2026-05-08 10:14 | 2026-05-13 11:18 | Resolved | 1 - Information | C | A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received fee
clarification. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Since the Initial Loan Estimate(ILE) is an initial disclosure provided only to the borrower, the loan origination fee is not disclosed in Section A when it is lender-paid. A lender-paid loan origination fee is first reflected starting from the Initial CD, and in this file it has been clearly disclosed as lender-paid (L) in the amount of $6,700on the Initial CD, Final CD, and Post CD. Please re-review the attached ILE and PCCD and assist in clearing the condition - Seller-05/13/2026 Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document
Uploaded. Since the Initial Loan Estimate(ILE) is an initial disclosure
provided only to the borrower, the loan origination fee is not disclosed in
Section A when it is lender-paid. A lender-paid loan origination fee is first
reflected starting from the Initial CD, and in this file it has been clearly
disclosed as lender-paid (L) in the amount of $XXXXon the Initial CD, Final
CD, and Post CD. Please re-review the attached ILE and PCCD and assist in
clearing the condition - Seller-05/13/2026 |
Resolved-Received fee
clarification. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 37.55 LTV is less than guideline maximum - Required is 80 Borrower has 48.39 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000128750 | D | B | D | A | C | B | A | A | Closed | FCOM5135 | 2026-05-08 09:41 | 2026-05-08 09:41 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/08/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 37.55 LTV is less than guideline maximum - Required is 80 Borrower has 48.39 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000125155 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 4000129270 | D | B | D | A | B | B | A | A | Closed | FCRE1325 | 2026-05-12 21:38 | 2026-05-15 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC
license validation. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Please see the CTEC search result - Seller-05/14/2026 Open-Borrower 1 CPA Letter Missing. CPA Letter provided however, missing current/active license or certification for the preparer to identify tax preparer as a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), a CTEC registered tax preparer. Prepared by PTINs are not acceptable. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document
Uploaded. Please see the CTEC search result - Seller-05/14/2026 |
Resolved-Received CTEC
license validation. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 18.66 LTV is less than guideline maximum - Required is 80 Borrower has 30 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 790 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000129270 | D | B | D | A | B | B | A | A | Closed | FCOM5135 | 2026-05-12 13:50 | 2026-05-12 13:50 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/12/2026 |
Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 18.66 LTV is less than guideline maximum - Required is 80 Borrower has 30 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 790 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000126708 | C | B | C | A | B | B | A | A | Closed | FCRE1510 | 2026-05-12 02:00 | 2026-05-18 11:58 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal
Description. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Please see the Exhibit A - Seller-05/14/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description (Exhibit A) - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document
Uploaded. Please see the Exhibit A - Seller-05/14/2026 |
Resolved-Received Legal
Description. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
804 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.28 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000126708 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-05-12 02:15 | 2026-05-12 08:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026 | Waived-Required
Affiliated Business Disclosure Missing Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 660 Borrower has
804 Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.28 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXXX | ||||
| XXXX | XXXX | 4000123403 | C | A | C | A | C | A | A | A | Closed | finding-3352 | 2026-05-12 11:03 | 2026-07-02 11:41 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains
full appraisal and escrows, meeting HPML compliance. - Due Diligence
Vendor-07/02/2026 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/12/2026 |
Resolved-Loan contains
full appraisal and escrows, meeting HPML compliance. - Due Diligence
Vendor-07/02/2026 |
Months Reserves exceed
minimum required - 29.70 months PITIA reserves; 3 months reserves required.
On time mortgage history exceeds guideline requirement - 0x30 on time mortgage payment history. Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.27 |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||
| XXXX | XXXX | 4000123403 | C | A | C | A | C | A | A | A | Closed | FCRE1506 | 2026-05-13 11:24 | 2026-05-21 10:16 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income
documentation. - Due Diligence Vendor-05/21/2026 Counter-Received VOI, pay statement and updated 1003. Missing clarification of location of business in XXXX as borrower resides in XXXX and acceptable explanation of position obtained in different industry. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. we didn't realize that the borrower got a new job right before closing. Enclosed please find a new 1003, 1008, pay stub, VOE and income calculation - Seller-05/15/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. B1 income cannot used. No longer employed as of 4/2026. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document
Uploaded. we didn't realize that the borrower got a new job right before
closing. Enclosed please find a new 1003, 1008, pay stub, VOE and income
calculation - Seller-05/15/2026 |
Resolved-Received income
documentation. - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed
minimum required - 29.70 months PITIA reserves; 3 months reserves required.
On time mortgage history exceeds guideline requirement - 0x30 on time mortgage payment history. Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.27 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | XXXX | 4000123403 | C | A | C | A | C | A | A | A | Closed | FCRE1193 | 2026-05-13 11:31 | 2026-05-21 10:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received updated
VOE, borrower works remotely and industry has been explained. - Due Diligence Vendor-05/21/2026 Counter-Received VOI, pay statement and updated 1003. Missing clarification of location of business in XXXX as borrower resides in XXXX and acceptable explanation of position obtained in different industry. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. we didn't realize that the borrower got a new job right before closing. Enclosed please find a new 1003, 1008, pay stub, VOE and income calculation - Seller-05/15/2026 Open-Audited DTI of 104.38% exceeds Guideline DTI of 50% DTI excessive due to b1 is no longer employed and cannot use the income. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document
Uploaded. we didn't realize that the borrower got a new job right before
closing. Enclosed please find a new 1003, 1008, pay stub, VOE and income
calculation - Seller-05/15/2026 |
Resolved-Received updated
VOE, borrower works remotely and industry has been explained. - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed
minimum required - 29.70 months PITIA reserves; 3 months reserves required.
On time mortgage history exceeds guideline requirement - 0x30 on time mortgage payment history. Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.27 |
XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX | |
| XXXX | 4000127198 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | |||||||||||||||||||
| XXXX | 4000128746 | C | B | C | A | B | B | A | A | Closed | FCRE1205 | 2026-05-18 14:50 | 2026-05-20 14:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC
clearance for borrowers business. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. I've attached the updated loan safe with OFAC result for the borrower's business LLC (XXXX). Please review and assist in clearing the condition. thank you! - Seller-05/19/2026 Open-OFAC Check Not Completed and/or Cleared for the Borrowers Business LLC. - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document
Uploaded. I've attached the updated loan safe with OFAC result for the borrower's business LLC (XXXX).
Please review and assist in clearing the condition. thank you! -
Seller-05/19/2026 |
Resolved-Received OFAC
clearance for borrowers business. - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 36.33 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||
| XXXX | 4000128746 | C | B | C | A | B | B | A | A | Closed | FCOM5135 | 2026-05-14 11:02 | 2026-05-14 11:02 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/14/2026 |
Waived-Required
Affiliated Business Disclosure Missing -----Originator waiver applied to
non-material Findings. - Due Diligence Vendor-05/14/2026 |
Qualifying DTI below
maximum allowed - Required is 49.99 Borrower has 36.33 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 799 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | XXXX | ||||
| XXXX | 4000130031 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000129796 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| XXXX | 4000127256 | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2026-05-18 14:43 | 2026-05-20 13:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for
decrease in fees. Finding Resolved. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/20/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $XXXX to $XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires XXXX (2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document
Uploaded. - Seller-05/20/2026 |
Resolved-Received COC for
decrease in fees. Finding Resolved. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is
at least 20 points above minimum for program - Required is 700 Borrower has
779 Required is 700 Borrower has 779 Months Reserves exceed minimum required - 162 mths reserves; 8 mths required. |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXXX | ||
| XXXX | 4000130021 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 4000127177 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |