CHASE HOME LENDING MORTGAGE TRUST 2026-AGY2 ABS-15G
Exhibit 99.1 - Schedule 2
| Exception Grades |
| Run Date - 8/10/2026 7:40:12 PM |
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 223152898 | 3158701223 | 33189792 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2025-04-08): UCDP with acceptable score received Buyer Comment (2025-04-08): See attached UCDP for Fannie with a score below [Redacted] to satisfy the exception, thanks |
04/08/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223152898 | 3158701223 | 33194177 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall condition for Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-04-08): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-04-08): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
04/08/2025 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223152898 | 3158701223 | 33189757 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-04-08): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-04-08): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
04/08/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225674889 | 3158701226 | 36609340 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): RD - Please see attached BPO |
06/07/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | OH | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674889 | 3158701226 | 36609349 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): RD - Please see BPO attached to Secondary Valuation record |
06/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674889 | 3158701226 | 36672270 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | BPO received did not support the value used to qualify. | Reviewer Comment (2026-06-18): drive by appraisal received Buyer Comment (2026-06-18): Please see attached 2055 appraisal supporting value used to qualify within 10%. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674889 | 3158701226 | 36756641 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 43 | Note Date: ___; Lien Position: ___ | drive-by appraisal received and supports the appraisal value | Reviewer Comment (2026-06-18): Waived |
06/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Refinance - Cash-out - Other | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674897 | 3158701228 | 36628631 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-26): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. Buyer Comment (2026-06-26): Please see attached BPO. |
06/26/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674897 | 3158701228 | 36628636 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-26): BPO received, showing no damage to the property Buyer Comment (2026-06-26): Please see BPO. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674897 | 3158701228 | 36835098 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-26): Waived |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674962 | 3158701230 | 36607153 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674962 | 3158701230 | 36675575 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-08): Waived |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225674962 | 3158701230 | 36607232 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | OR | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674962 | 3158701230 | 36607170 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure provided at closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225674967 | 3158701231 | 36646170 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see BPO attached to Secondary Valuation record |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674967 | 3158701231 | 36646173 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | DE | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674967 | 3158701231 | 36675468 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | BPO received does not support the value utilized for approval from the PIW. | Reviewer Comment (2026-06-18): drive by appraisal received Buyer Comment (2026-06-18): Please see attached 2055 appraisal supporting value utilized for approval from the PIW within 10%. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225674967 | 3158701231 | 36760401 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 43 | Note Date: ___; Lien Position: ___ | Drive by appraisal received and supports the PIW value utilized for approval. | Reviewer Comment (2026-06-18): Waived |
06/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | DE | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675008 | 3158701232 | 36648762 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675008 | 3158701232 | 36760193 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 43 | Note Date: ___; Lien Position: ___ | Drive by appraisal received, supporting the PIW value utilized for approval. | Reviewer Comment (2026-06-18): Waived |
06/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675008 | 3158701232 | 36694201 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | BPO received did not support the valuation utilized for the PIW. | Reviewer Comment (2026-06-18): drive by appraisal received Buyer Comment (2026-06-18): Please see attached 2055 appraisal supporting value utilized for PIW within 10%. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675008 | 3158701232 | 36648783 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. CD disclosed timely |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675008 | 3158701232 | 36648763 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675060 | 3158701234 | 36638301 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see attached BPO |
06/07/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | CO | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675060 | 3158701234 | 36638305 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-07): BPO received Buyer Comment (2026-06-07): [Redacted] - Please see BPO attached to Secondary Valuation record |
06/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675060 | 3158701234 | 36672261 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. | Reviewer Comment (2026-06-07): Waived |
06/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675072 | 3158701235 | 36612717 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): RD - Please see attached BPO |
06/04/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | GA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675072 | 3158701235 | 36612732 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The loan was approved with a PIW, therefore no physical inspection of the property was conducted. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-06-04): BPO received Buyer Comment (2026-06-04): RD - Please see BPO attached to Secondary Valuation record |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675072 | 3158701235 | 36612759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-03): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-03): Do not concur. Loan amount change increased loan points [Redacted]. CDv2 disclosed timely |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675072 | 3158701235 | 36612760 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-02): Do not Concur. Transfer tax tolerance violation already cured at closing |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675072 | 3158701235 | 36677771 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | BPO received does not support the PIW value utilized for approval. | Reviewer Comment (2026-06-17): 2055 report received Buyer Comment (2026-06-17): Please see attached 2055 appraisal supporting valuation utilized for the PIW within 10%. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675072 | 3158701235 | 36751393 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 43 | Note Date: ___; Lien Position: ___ | 2055 report received, with a value supporting the PIW value | Reviewer Comment (2026-06-17): Waived |
06/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675103 | 3158701238 | 36632697 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-06-08): BPO received Buyer Comment (2026-06-08): RD - Please see attached BPO |
06/08/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675103 | 3158701238 | 36676197 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 32 | BPO received did not support the value utilized for approval. | Reviewer Comment (2026-06-26): drive-by appraisal received, and supports the PIW value Buyer Comment (2026-06-26): Please see attached 2055 appraisal. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 225675103 | 3158701238 | 36834317 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 43 | Note Date: ___; Lien Position: ___ | Drive-by appraisal received and supports the PIW value | Reviewer Comment (2026-06-26): Waived |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Rate/Term | D | B | A | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225675138 | 3158701241 | 36648080 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The appraisal indicates $[Redacted]/yr in HOA dues; however, the final CD did not reflect any amount in the filed for "Non-Escrowed Property Costs over Year 1 on page 4. | Reviewer Comment (2026-06-15): PCCD and LOX received. Buyer Comment (2026-06-15): See attached PCCD and LOX |
06/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AR | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225675138 | 3158701241 | 36648085 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-06-04): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-06-04): Do not concur. Please review document ID XXX page 205, valid Change in Circumstance form ;Loan was locked. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |