CHASE HOME LENDING MORTGAGE TRUST 2026-AGY2 ABS-15G
Exhibit 99.2 - Schedule 2
| Exception Grades |
| Run Date - 8/18/2026 8:34:41 AM |
| 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 |
| 226053587 | 3158639759 | 37169682 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Documented property costs are $[Redacted]/mo for HOI and $[Redacted]/mo for taxes for total of $[Redacted] monthly or $[Redacted] for the first year. The final CD indicated a total of $[Redacted] for the first year. | Reviewer Comment (2026-08-17): While § 1026.19(f)(1) states that "In a transaction subject to paragraph (e)(1) of this section, the creditor shall provide the consumer with the disclosures required under § 1026.38 reflecting the actual terms of the transaction," the Official Interpretation further explains: "Section 1026.19(f)(1) requires disclosure of the actual terms of the credit transaction, and the actual costs associated with the settlement of that transaction, for closed-end credit transactions that are secured by real property or a cooperative unit, other than reverse mortgages subject to § 1026.33. For example, if the creditor requires the consumer to pay money into a reserve account for the future payment of taxes, the creditor must disclose to the consumer the exact amount that the consumer is required to pay into the reserve account." This interpretation specifically addresses amounts that a consumer is required to contribute to a reserve or escrow account in the future. In the present case, the lender asserts that the amounts disclosed in Section F ($XXX in this example) should be included in the Page 4 escrow calculations. However, the Section F amounts represent funds that have already been paid and will not be required to be paid again during the first year following consummation. Including the Section F amounts in the annual escrowed property costs disclosed on Page 4 would therefore overstate the borrower's future escrow obligations. In this example, doing so would result in a disclosure that is approximately double the amount the borrower is actually expected to pay into escrow over the next 12 months. Such a disclosure would not reflect the borrower's actual post-consummation escrow obligations and would be inconsistent with the requirement under § 1026.19(f)(1) to disclose the actual terms and costs of the transaction accurately. Further, § 1026.38(l)(7)(A)(1) specifically provides: "The total amount the consumer will be required to pay into an escrow account over the first year after consummation, labeled 'Escrowed Property Costs over Year 1,' together with a descriptive name of each charge to be paid (in whole or in part) from the escrow account, calculated as the amount disclosed under paragraph (l)(7)(A)(4) of this section multiplied by the number of periodic payments scheduled to be made to the escrow account during the first year after consummation." Notably, the regulation defines the Page 4 disclosure as the amount the consumer "will be required to pay into an escrow account over the first year after consummation." The fees disclosed in Section F do not meet this definition because they were paid prior to consummation and are not amounts the consumer will be required to pay into the escrow account during the first year afterward. Accordingly, including Section F expenses in the Page 4 escrow calculation, in addition to the Section G expenses, is not supported by the language of § 1026.38(l)(7)(A)(1). Based on Regulation Z the disclosure of Section F expenses on Page 4 in addition to Section G expenses is not supported. [Redacted] requires a PCCD with corrected escrow amounts on page 4, and LOE and proof of mailing to cure the exception. Buyer Comment (2026-08-17): Do not Concur. [Redacted] has no choice but to disclose the entire amount paid into the escrow on page four. Doing otherwise would violate the law. Several requirements under TRID demand we disclose $[Redacted] in the escrow table. Please see attached for further LOE Reviewer Comment (2026-08-14): [Redacted] received rebuttal that lender calculation included the prepaid HOI amount collected at closing and included with the escrowed amount over year 1. However, per 1026.38(l)(7)(i)(A)(1), it states: "(1) The total amount the consumer will be required to pay into an escrow account over the first year after consummation, labeled "Escrowed Property Costs over Year 1," together with a descriptive name of each charge to be paid (in whole or in part) from the escrow account, calculated as the amount disclosed under paragraph (l)(7)(i)(A)(4) of this section multiplied by the number of periodic payments scheduled to be made to the escrow account during the first year after consummation. FURTHER (l)(7)(i)(A)(4) then states: Estimated costs paid using escrow account funds. The amount the consumer will be required to pay into an escrow account with each periodic payment during the first year after consummation disclosed under § 1026.38(l)(7)(i)(A)(4) is equal to the sum of the amount of estimated escrow payments disclosed under § 1026.38(c)(1) (as described in § 1026.37(c)(2)(iii)) and the amount the consumer will be required to pay into an escrow account to pay some or all of the mortgage insurance premiums disclosed under § 1026.38(c)(1) (as described in § 1026.37(c)(2)(ii))." Regulations are stating that the page 4 Property costs over year 1 is the amount the consumer will be required to PAY INTO AN ESCROW ACCOUNT with each periodic payment during the first year and does not state to include any prepaid premiums in that, but only the amounts paid into the escrow account. Corrected CD and LOE to borrower to revise the amount not to exceed 12 months or less than 9 months of month escrow payments. Buyer Comment (2026-08-13): Do not concur. A lump sum of $[Redacted] for a year's worth of HOI was collected at closing, which causes it to be included in the overall "costs within 1 year" figures. This was collected within 1 year. The remainder of Page 4's figures reflects [Redacted] months worth of Taxes and HOI totaling $[Redacted].Take the [Redacted] months worth of taxes and HOI totaling $[Redacted], add to it the lump sum of $[Redacted] brings us to a total cost for 1 year of $[Redacted]. Reviewer Comment (2026-08-11): The math is incorrect based on the monthly obligations for both Taxes and Insurance noted on the CDs on page 2. Page 2 monthly amounts are used to calculate page 4 amounts. Page 4 totals should equal $[Redacted] for [Redacted] months. Buyer Comment (2026-08-10): Do Not Concur. Please see system snips from escrow screens. Pre-paid homeowners insurance is being collected as well |
No | 3 | C | C | C | C | C | C | C | C | C | C | CO | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053587 | 3158639759 | 37169683 | 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 (2026-08-07): initial LE received Buyer Comment (2026-08-07): Please see the first LE with discount points of $[Redacted] setting the baseline Reviewer Comment (2026-08-07): provide a full copy of the [Redacted] LE, as the two versions of the LE we received are after this date and show lower discount points. Buyer Comment (2026-08-07): Do Not Concur. The initial LE was sent on [Redacted] and it disclosed discount points of $[Redacted] which set the baseline. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053587 | 3158639759 | 37169686 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Security Instrument and final CD were signed [Redacted] which is considered the "transaction date" and the date from which rescission should be measured. | Reviewer Comment (2026-08-07): corrected RTC forms received Buyer Comment (2026-08-07): Please see RTC with date corrected, Title had corrected and sent to customer |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053588 | 3158639771 | 37168298 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): RD - Please see attached [Redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053588 | 3158639771 | 37168311 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-06): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053589 | 3158639779 | 37168389 | 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: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | ME | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053589 | 3158639779 | 37168392 | 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 (2026-08-10): BPO received showing no damage to the property Buyer Comment (2026-08-10): Please see BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053589 | 3158639779 | 37170256 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | VOE for the borrower was more than 10 business days prior to the Note date. | Reviewer Comment (2026-08-11): VVOE received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053589 | 3158639779 | 37170284 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | VOE for the borrower was more than 10 business days prior to the Note date. | Reviewer Comment (2026-08-11): VVOE received Buyer Comment (2026-08-11): VOE provided |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053589 | 3158639779 | 37193375 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary [Redacted] was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting [Redacted] was provided. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ME | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053590 | 3158639788 | 37176792 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing [Redacted] W2 and a VVOE dated within 10 days of the Note for the co-borrower. There are W2s in file for her; however, the employer name is different than the 1003 and paystubs. Additionally, the LPA findings indicate employment was verified; however, the report for this is missing. | Reviewer Comment (2026-08-11): income and employment docs received Buyer Comment (2026-08-10): [Redacted] and [Redacted] are associated with the same practice location-XXX of [Redacted]. While they are [Redacted] individual [Redacted], legal and insurance database filings list the professional corporation entity for that office under names like [Redacted]. [Redacted] also practices and helps manage/own locations tied to the same local group. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053590 | 3158639788 | 37176868 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing income/employment docs for the co-borrower. | Reviewer Comment (2026-08-11): income and employment docs received |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053590 | 3158639788 | 37176869 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing income/employment docs for the co-borrower. | Reviewer Comment (2026-08-11): income and employment docs received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053590 | 3158639788 | 37180526 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a [Redacted] W2 and a VVOE for the co-borrower. | Reviewer Comment (2026-08-11): income and employment docs received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053590 | 3158639788 | 37180565 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing income/employment docs for the co-borrower. | Reviewer Comment (2026-08-11): income and employment docs received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053591 | 3158639794 | 37169328 | 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 (2026-08-07): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-07): Do not Concur. Valid CICs for initial loan lock, loan amount, LnRate, and loan points [Redacted]. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053592 | 3158639810 | 37173019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence borrower receipt of the initial Closing Disclosure and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-08-07): evidence of initial CD delivery to borrower has been received Buyer Comment (2026-08-07): Do not Concur. Initial CD was sent [Redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053592 | 3158639810 | 37173020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-06): Cured at closing or within 60 days of consummation prior to [Redacted] review |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053592 | 3158639810 | 37173360 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-07): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-07): Do not Concur. Initial LE set the loan points baseline at $[Redacted] and points decreased at closing, but there was also valid CICs for lock expiration and loan points [Redacted]. Cd disclosed timely |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053593 | 3158639811 | 37142936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the initial CD, dated [Redacted], by the borrower and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-08-05): evidence of initial CD receipt by borrower has been received Buyer Comment (2026-08-05): Do Not Concur. The CD was sent on [Redacted] and was received electronically on [Redacted], please see system snip of electronic receipt date. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053594 | 3158639833 | 37143652 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM Points and Fees failure. | Reviewer Comment (2026-08-05): undiscounted interest rate and rate price received |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053594 | 3158639833 | 37143653 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-05): undiscounted interest rate and rate price received Buyer Comment (2026-08-05): Please see system snip of the undiscounted rate [Redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053594 | 3158639833 | 37143654 | 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 (2026-08-05): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-05): Please see system snip of CIC for Appraised Value change which is the reason that the pricing changed. Reviewer Comment (2026-08-05): What is the reason for the loan pricing change, as it was after the initial rate lock date Buyer Comment (2026-08-05): Do Not Concur. The loan pricing changed on [Redacted], discount points changed and was disclosed timely on LE issued on [Redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053595 | 3158639836 | 37143014 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only Closing Disclosure in the file has an issue date of [Redacted] which was not at least 3 business days prior to closing. | Reviewer Comment (2026-08-05): initial CD received Buyer Comment (2026-08-05): Do not Concur. Initial CD sent [Redacted]. CD attached |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053595 | 3158639836 | 37143015 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file for the increase and no evidence of a tolerance cure. | Reviewer Comment (2026-08-05): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-05): Do not Concur. Valid CICs for ApprValue, Loan points, proptype, and loan amount [Redacted]. LE disclosed timely |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053596 | 3158639845 | 37143434 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-04): Cured at closing or within 60 days of consummation prior to TPR review |
08/04/2026 | 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 | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053596 | 3158639845 | 37143435 | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-05): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-05): Do not Concur. Valid CICs for appraised value, loan points, and loan amount [Redacted]. CDv1 disclosed timely |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053598 | 3158639901 | 37145091 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP documents in file did not contain a risk score. | Reviewer Comment (2026-08-06): AVM received, supporting the appraised value |
08/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CT | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053598 | 3158639901 | 37145109 | 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. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053600 | 3158701225 | 37145577 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[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 (2026-08-05): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-05): Do not Concur. [Redacted] received the appraisal/invoice and valid CIC [Redacted]required for final inspection. CDv2 disclosed timely |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053603 | 3158639921 | 37142950 | 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 (2026-08-10): BPO received, showing no damage to the property Buyer Comment (2026-08-10): Please see BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053603 | 3158639921 | 37142951 | 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: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-10): BPO received, with a value supporting the appraisal value Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053603 | 3158639921 | 37193333 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary [Redacted] was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting [Redacted] was provided. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053604 | 3158639923 | 37144559 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-08-07): desk review received, which supports the appraisal value |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053606 | 3158639927 | 37145244 | 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. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053607 | 3158639929 | 37172423 | 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. The UCDP in file had a risk score of 2.6, which does not meet securitization requirements. | Reviewer Comment (2026-08-07): desk review that supports the appraised value has been received |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Rate/Term | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053607 | 3158639929 | 37172439 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 226053607 | 3158639929 | 37172521 | 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 $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-08-07): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-07): Do not Concur. Valid CIC for loan amount [Redacted]. CDv5 disclosed timely |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053607 | 3158639929 | 37172522 | 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 Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-08-06): Cured at closing or within 60 days of consummation prior to TPR review |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053609 | 3158639942 | 37181422 | 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. | 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. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053611 | 3158639944 | 37169591 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-06): Cured at closing or within 60 days of consummation prior to TPR review |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053611 | 3158639944 | 37169592 | 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 Subordination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-07): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-07): Do not Concur. Valid CICs for loan amount and subject property liability 1.22.26. The Subordination was required and disclosed timely on LEv4. The fee ended up decreasing at closing. No cure required |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053612 | 3158639945 | 37182287 | 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 (2026-08-10): BPO received, showing no damage to the property Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053612 | 3158639945 | 37182299 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053612 | 3158639945 | 37182435 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053613 | 3158639950 | 37183611 | 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 (2026-08-12): drive by appraisal received, showing no damage to the subject property. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053613 | 3158639950 | 37183612 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053613 | 3158639950 | 37183667 | 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do Not Concur. The loan amount changed and the discount points increased, this was disclosed timely on LE v4. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053614 | 3158639953 | 37169802 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. This is $[Redacted] over the legal limit. No valid change of circumstance for the increase found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-06): cured at closing, prior to TPR review Buyer Comment (2026-08-06): Do not Concur. Section E tolerance violation already cured at closing |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053614 | 3158639953 | 37169803 | 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. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. This is $[Redacted] over the legal limit. No valid change of circumstance for the increase found in file and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-06): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-06): Do not Concur. Valid CIC for lock expiration and loan points [Redacted]. CDv3 disclosed timely |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053615 | 3158639958 | 37183539 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] | Final 1003 was not found in file. | Reviewer Comment (2026-08-11): final 1003 received Buyer Comment (2026-08-11): Loan was a hybrid close- E-Sign documents in file builder [Redacted] [Redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053615 | 3158639958 | 37187391 | 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. | 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. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053616 | 3158639959 | 37144670 | 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: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | MA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053616 | 3158639959 | 37144695 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053616 | 3158639959 | 37199105 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary [Redacted] was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053617 | 3158639960 | 37145161 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points and Fees failure. | Reviewer Comment (2026-08-05): undiscounted rate and rate price received Buyer Comment (2026-08-05): Please see attached undiscounted rate screens |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053617 | 3158639960 | 37145162 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-05): undiscounted rate and rate price received Buyer Comment (2026-08-05): Please see attached undiscounted rate screens |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053617 | 3158639960 | 37145163 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid changed of circumstance found for the fee increase and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-05): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-08-05): Do not Concur. Tolerance violation for section E was already cured at closing |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053617 | 3158639960 | 37145164 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed of circumstance found for the fee increase and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-05): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-05): Do not Concur. Valid CIC for Loan interest rate [Redacted]. LEv2 disclosed timely |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053618 | 3158639964 | 37143704 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053618 | 3158639964 | 37143714 | 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: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | MI | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053618 | 3158639964 | 37199057 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary [Redacted] was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053619 | 3158639971 | 37185626 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-10): Cured at closing or within 60 days of consummation prior to TPR review |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053619 | 3158639971 | 37185627 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and the cure provided at closing ($[Redacted]) as not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-13): appraisal fee baseline of $[Redacted] matches the final CD Buyer Comment (2026-08-13): Do Not Concur. The final signed CD shows the appraisal fee charged was $[Redacted], this is the same amount as on the initial LE and I was not able to find where it increases during the loan process. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053622 | 3158639978 | 37153190 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053622 | 3158639978 | 37159971 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-05): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053623 | 3158639984 | 37171316 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): RD - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053623 | 3158639984 | 37171402 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-06): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053624 | 3158639996 | 37183335 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053624 | 3158639996 | 37183394 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-10): For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053624 | 3158639996 | 37183426 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance in file and the cure provided at closing was insufficient. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. The appraisal waiver was lost, property type changed, Loan amount changed and an appraisal was ordered. This was disclosed timely on LE v10. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053626 | 3158639998 | 37182798 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Initial LE did not indicate any fees for transfer taxes. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-08-12): PCCD, LOX, refund check, and proof of mailing received Buyer Comment (2026-08-12): Please see attached PCCD package |
08/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | 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 | ||||||||||
| 226053627 | 3158640003 | 37186491 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for missing verification of co-borrower's business. | Reviewer Comment (2026-08-11): business verification received |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053627 | 3158640003 | 37186492 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Unable to verify current S-Corp status using reasonably reliable third-party records. | Reviewer Comment (2026-08-11): business verification received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053627 | 3158640003 | 37187851 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall condition for missing verification of co-borrower's business. | Reviewer Comment (2026-08-11): business verification received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053627 | 3158640003 | 37187852 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing verification of co-borrower's business. | Reviewer Comment (2026-08-11): business verification received Buyer Comment (2026-08-11): Do No Agree, Co-Borrower's Business Verified with alternate verification. Invoice in file build dated [Redacted] [Redacted] [Redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053627 | 3158640003 | 37187853 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall condition for missing verification of co-borrower's business. | Reviewer Comment (2026-08-11): business verification received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053628 | 3158640020 | 37187500 | 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not concur. Initial rate lock expired [Redacted]. Lock expiration date and pricing changed on [Redacted]. Increase to Discount Points was disclosed on CD dated [Redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053629 | 3158640026 | 37144253 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of the Award letter of Social Security Income. The monthly deposit on the bank statement does not have any identifying information to determine it is the co-borrower's. | Reviewer Comment (2026-08-06): income verification in file from AUS is acceptable |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053629 | 3158640026 | 37144278 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing award letter for the co-borrower. | Reviewer Comment (2026-08-06): income verification in file from AUS is acceptable |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053629 | 3158640026 | 37144286 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing award letter for the co-borrower. | Reviewer Comment (2026-08-06): income verification in file from AUS is acceptable |
08/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053629 | 3158640026 | 37148009 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053629 | 3158640026 | 37149361 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing award letter for the co-borrower. | Reviewer Comment (2026-08-06): income verification in file from AUS is acceptable |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053629 | 3158640026 | 37149409 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The monthly deposit on the bank statement does not have any identifying information to determine it is the co-borrower's. | Reviewer Comment (2026-08-06): income verification in file from AUS is acceptable Buyer Comment (2026-08-06): Please refer to DU findings, SSI was Digitally verified |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053631 | 3158640046 | 37144974 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP documents in file did not provide any risk score information. | Reviewer Comment (2026-08-07): desk review supporting the appraised value has been received |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | LA | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053631 | 3158640046 | 37145033 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053634 | 3158640134 | 37194839 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not concur. Interest rate was not locked until [Redacted]. Interest Rate and Discount points are subject to change at any time without CIC up until locked. Discount Points increase disclosed on LE V4 dated [Redacted]. Subsequent increase to points occurred [Redacted] due to change in Property Type and was disclosed on LE V5 dated [Redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053634 | 3158640134 | 37194850 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Master policy does not include walls-in coverage and an individual policy was reflected on the Closing Disclosure; however, the policy was not in file. | Reviewer Comment (2026-08-12): HOI policy received Buyer Comment (2026-08-11): HOI provided |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053634 | 3158640134 | 37197852 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Verification of the HOA dues for the departing residence is missing. | Reviewer Comment (2026-08-11): REO documentation received Buyer Comment (2026-08-11): This information is in the file build on page [Redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053635 | 3158640135 | 37180724 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD is not signed/dated to evidence receipt and there is no other evidence of receipt found in file. The presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-08-13): e-delivery confirmation received Buyer Comment (2026-08-13): Do not concur - E-consent obtained for both borrowers [Redacted]. Initial CD created [Redacted]. Initial CD viewed via [Redacted] by B1 (only 1 borrower required for non-rescindable transactions) on [Redacted] which is more than 3 days prior to consummation date of [Redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053635 | 3158640135 | 37180725 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate not signed/dated to evidence receipt and the presumed receipt date would not have been at least 4 business days prior to closing. | Reviewer Comment (2026-08-13): e-delivery confirmation received Buyer Comment (2026-08-13): Do not concur - E-consent obtained for both borrower on [Redacted]. Revised LE dated [Redacted] and viewed via [Redacted] by both borrowers [Redacted], which is more than 4 days prior to consummation date of [Redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053636 | 3158640138 | 37152312 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): RD - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053636 | 3158640138 | 37160039 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-05): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053637 | 3158640151 | 37154383 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[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 (2026-08-05): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-05): Do Not Concur. The appraisal came back marked subject to plans and specs / completion so a final inspection was ordered and was disclosed timely on LE V4. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053639 | 3158640252 | 37153980 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-05): undiscounted interest rate and rate price received Buyer Comment (2026-08-05): Please see attached Undiscounted Rate screens |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053639 | 3158640252 | 37153983 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points and Fees failure. | Reviewer Comment (2026-08-05): undiscounted interest rate and rate price received Buyer Comment (2026-08-05): Please see attached Undiscounted Rate screens |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053640 | 3158640272 | 37187240 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for Points and Fees | Reviewer Comment (2026-08-12): undiscounted interest rate and rate price received |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053640 | 3158640272 | 37187241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-12): undiscounted interest rate and rate price received Buyer Comment (2026-08-12): Please see undiscounted rate screens |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053641 | 3158640295 | 37144906 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053641 | 3158640295 | 37144986 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. Reviewer Comment (2026-08-04): AVM received supports value. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053642 | 3158640342 | 37144811 | 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 SubEscrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The SubEscrow 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 (2026-08-10): PCCD, LOX, refund check, and proof of mailing received for this cure Buyer Comment (2026-08-10): Please see attached PCCD/Refund due to the customer confirmed there are no solar panels on this loan |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053643 | 3158640354 | 37154092 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | File is missing evidence of the receipt of the gift funds. | Reviewer Comment (2026-08-07): source of funds received Buyer Comment (2026-08-07): attached |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053643 | 3158640354 | 37154158 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing documentation of the transfer of the gift funds. | Reviewer Comment (2026-08-07): source of funds received |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053643 | 3158640354 | 37154163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing documentation of the transfer of the gift funds. | Reviewer Comment (2026-08-07): source of funds received |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053643 | 3158640354 | 37158889 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing documentation of the transfer of the gift funds. | Reviewer Comment (2026-08-07): source of funds received Buyer Comment (2026-08-07): The donor provided a gift letter confirming $[Redacted] would be transferred on [Redacted] from their [Redacted] account ending in [Redacted] and provided a copy of their [Redacted] XXX account statement. It appears they actually only transferred $[Redacted] as this was securities transferred into the [Redacted] account [Redacted] that is owned by both C2 and the donor. Buyer Comment (2026-08-07): . Buyer Comment (2026-08-07): The donor provided a gift letter confirming $[Redacted] would be transferred on [Redacted] from their [Redacted] account ending in [Redacted] and provided a copy of their [Redacted] [Redacted] statement. It appears they actually only transferred $[Redacted] as this was securities transferred into the [Redacted] account [Redacted] that is owned by both C2 and the donor. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053643 | 3158640354 | 37158890 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing documentation of the transfer of the gift funds. | Reviewer Comment (2026-08-07): source of funds received |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053644 | 3158640368 | 37151697 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053644 | 3158640368 | 37159506 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-05): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053645 | 3158640375 | 37189063 | 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Processing Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for property type [Redacted]. CDv2 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053646 | 3158640396 | 37186983 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. LEv3 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053646 | 3158640396 | 37186985 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No transfer tax fee was included on the initial LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. [Redacted] received the purchase contract. Valid CIC [Redacted] stating the borrower will be paying the mansion tax. Lev2 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053647 | 3158640421 | 37186124 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): RD - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053647 | 3158640421 | 37186128 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-09): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053647 | 3158640421 | 37186141 | 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. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053648 | 3158640424 | 37193835 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC and complexity comments attached [Redacted]. LEv4 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053649 | 3158640435 | 37192765 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-13): undiscounted rate and rate price received Buyer Comment (2026-08-13): Please see undiscounted rate details attached |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053649 | 3158640435 | 37192788 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for points and fees. | Reviewer Comment (2026-08-13): undiscounted rate and rate price received |
08/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053649 | 3158640435 | 37192790 | 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not concur - Loan amount was increased [Redacted] resulting in increase to Loan Discount Points. Increase to Discount Points was disclosed on CD V1 dated [Redacted]. Borrower's portion of Discount Points increased [Redacted] when the Sales Contract was amended. Seller credit decreased, causing borrower's portion of Discount Points to increase. This change was disclosed on CD V3 dated [Redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053650 | 3158640438 | 37183894 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053652 | 3158640441 | 37183834 | 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not Concur. Lock expiration and CIC for loan points [Redacted]. CDv3 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053654 | 3158640473 | 37181444 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence that initial CD was provided to borrower at least 3 business days prior to closing. | Reviewer Comment (2026-08-12): evidence of e-delivery of initial CD received Buyer Comment (2026-08-12): Do not Concur. Initial CD sent via [Redacted] [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | No Defined Cure | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053654 | 3158640473 | 37182533 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): [Redacted] - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053654 | 3158640473 | 37187854 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-09): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053656 | 3158640475 | 37194341 | 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. | No | 3 | C | C | C | C | C | C | C | C | C | C | AL | Primary | Refinance - Rate/Term | D | D | C | C | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 226053656 | 3158640475 | 37194399 | 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 | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | No | 3 | D | D | B | B | D | D | C | C | D | D | AL | Primary | Refinance - Rate/Term | D | D | C | C | A | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226053657 | 3158640476 | 37182222 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053657 | 3158640476 | 37182240 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053658 | 3158640479 | 37180675 | 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. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not concur. Valid CIC for loan amount [Redacted]. LEv9 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053658 | 3158640479 | 37180676 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not concur. Valid CIC for product change [Redacted]. LEv 2 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053658 | 3158640479 | 37180677 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not concur. Valid CIC for product change [Redacted]. LEv 2 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053659 | 3158640480 | 37185106 | 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not Concur. Valid CICs for appraised value, loan points, and loan amount. LEv2 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053660 | 3158640481 | 37171459 | 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 (2026-08-06): PDI received, showing no damage to the property |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053660 | 3158640481 | 37171558 | 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. | The Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]%, or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053660 | 3158640481 | 37171745 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-06): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053662 | 3158640485 | 37186560 | 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 $0.00. $[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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv2 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053664 | 3158640487 | 37170727 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): RD - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053664 | 3158640487 | 37170732 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-06): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053665 | 3158640490 | 37189844 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053665 | 3158640490 | 37189850 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053667 | 3158640496 | 37153128 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053667 | 3158640496 | 37160074 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-05): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053668 | 3158640498 | 37152539 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-08-07): desk review received that supports the appraisal value |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IN | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053669 | 3158640499 | 37160093 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-05): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053670 | 3158640500 | 37183914 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-08-10): desk review received, supporting the appraisal value Buyer Comment (2026-08-10): Please review uploaded CDA. |
08/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053670 | 3158640500 | 37183990 | 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not Concur. Valid CIC for loan amount [Redacted]. CDv2 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053670 | 3158640500 | 37183991 | 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. | A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not Concur. Valid CIC for loan amount [Redacted]. CDv2 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053671 | 3158640502 | 37153911 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053671 | 3158640502 | 37153970 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-06): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-06): Do not Concur. Valid CIC for loan amount [Redacted]. LEv5 disclosed timely |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053671 | 3158640502 | 37153971 | 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. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-06): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-06): Do not Concur. Valid CIC for property type [Redacted]. CDv2 disclosed timely |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053671 | 3158640502 | 37160512 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-05): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053672 | 3158640503 | 37180229 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not concur - Vesting Change occurred [Redacted] causing addition of Transfer Taxes. Newly added Transfer Taxes were disclosed on CD V1 dated [Redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053672 | 3158640503 | 37180230 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject transaction date is considered to be [Redacted] based on signature date on final CD. A [Redacted] would lead to an expected disbursement date of [Redacted] and the loan disbursed on [Redacted]. | Reviewer Comment (2026-08-13): everything signed before disbursement, RTC acceptable Buyer Comment (2026-08-13): The CD was part of the esign portion of the closing package, not the wet sign package that was signed [Redacted]. The borrower did not sign the CD until [Redacted]. Reviewer Comment (2026-08-13): why was the final CD not signed on [Redacted]? Buyer Comment (2026-08-13): Do not concur. All closing documents were signed [Redacted], excluding the Closing Disclosure .Please see RTC forms signed [Redacted] at closing - document IDs [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted] |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053672 | 3158640503 | 37180231 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The transaction date is considered to be [Redacted] based on the signature date on the final CD and this would equate to an expected RTC cancellation date of [Redacted], not the date of [Redacted] indicated on the RTC provided to the borrowers. | Reviewer Comment (2026-08-13): everything signed before disbursement, RTC acceptable Buyer Comment (2026-08-13): The CD was part of the esign portion of the closing package, not the wet sign package that was signed [Redacted]. The borrower did not sign the CD until [Redacted]. Reviewer Comment (2026-08-13): why was the final CD not signed on [Redacted]? Buyer Comment (2026-08-13): Do not concur. All closing documents were signed [Redacted], excluding the Closing Disclosure .Please see RTC forms signed [Redacted] at closing - document IDs [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted] |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053672 | 3158640503 | 37180236 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): [Redacted] - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053672 | 3158640503 | 37191709 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-10): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053673 | 3158640505 | 37187017 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for interest rate and loan amount [Redacted]. CDv1 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053673 | 3158640505 | 37187018 | 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not concur. Valid CIC for property type [Redacted]. LEv4 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053674 | 3158640507 | 37181308 | 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not concur. Valid CICs for loan amount and loan points [Redacted]. CD disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053675 | 3158640508 | 37187419 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-08-17): PDI received, showing no damage to the property Buyer Comment (2026-08-17): Please see attached PDI. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053675 | 3158640508 | 37187474 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for appraisal being re-used from prior loan [Redacted]. LEv5 disclosed timely same day |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053675 | 3158640508 | 37187478 | 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. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): The exception was not cleared with the proof of cure already at closing. Thanks Reviewer Comment (2026-08-12): sufficient cure provided at closing Buyer Comment (2026-08-12): Do not Concur. Transfer fee tolerance violation was already cured at closing |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053675 | 3158640508 | 37202273 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased above the allowable limit. No valid change of circumstance found and the cure provided at closing ($[Redacted]) was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-08-12): sufficient cure provided at closing Buyer Comment (2026-08-12): Do not Concur. Ten percent tolerance violation was already cured at closing |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053676 | 3158640510 | 37186675 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-12): baseline on initial LE has no fee tolerance issue Buyer Comment (2026-08-12): Do not Concur. Ten percent tolerance on the initial LE was set at $[Redacted]. No cure due back. Ten percents decreased at closing |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053676 | 3158640510 | 37187583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for estimated Market Value [Redacted]. LEv2 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053679 | 3158640522 | 37185770 | 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for property type [Redacted]. Lev7 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053680 | 3158640523 | 37183538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not concur. Valid CIC for inspection required same day [Redacted] received the appraisal/invoice [Redacted] reflecting inspection required. LE disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053681 | 3158640525 | 37182129 | 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. | 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. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053681 | 3158640525 | 37182133 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053681 | 3158640525 | 37182152 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for Securitization purposes. | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053682 | 3158640529 | 37171612 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | Reviewer Comment (2026-08-10): MI Cert received Buyer Comment (2026-08-10): MI attached |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226053682 | 3158640529 | 37171646 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The Initial Escrow Account Statement reflects and initial deposit of $[Redacted] ;however, the final CD reflects only $[Redacted]. | Reviewer Comment (2026-08-14): IEADS received Buyer Comment (2026-08-13): Do not Concur. Please see latest MX screen shots that match CD and IEADS Reviewer Comment (2026-08-12): Loan file indicates annual taxes assessed at $[Redacted] annually. Please provide documentation of lower amount or corrected PCCD, LOE and proof of mailing. Buyer Comment (2026-08-11): Please see updated IEADS |
08/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AL | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053682 | 3158640529 | 37171649 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | The amount of taxes verified in file is $[Redacted] annually or $[Redacted] monthly; however, the final CD reflected an escrow amount for taxes of only $[Redacted] per month. | Reviewer Comment (2026-08-14): SitusAMC received Tax documentation. Buyer Comment (2026-08-13): Do not Concur. Please see latest MX screen shots that match CD and IEADS Reviewer Comment (2026-08-12): Loan file indicates annual taxes assessed at $[Redacted] annually. Please provide documentation of lower amount or corrected PCCD, LOE and proof of mailing. Buyer Comment (2026-08-11): Do not Concur. Monthly payment matches month payment in MX and on first payment letter. Please see updated IEADS |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053682 | 3158640529 | 37171650 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | The amount of taxes verified in file is $[Redacted] annually or $[Redacted] monthly; however, the final CD reflected an escrow amount for taxes of only $[Redacted] per month. | Reviewer Comment (2026-08-14): SitusAMC received Tax documentation. Buyer Comment (2026-08-13): Do not Concur. Please see latest MX screen shots that match CD and IEADS Reviewer Comment (2026-08-12): Loan file indicates annual taxes assessed at $[Redacted] annually. Please provide documentation of lower amount or corrected PCCD, LOE and proof of mailing. Buyer Comment (2026-08-11): Do not Concur. Monthly payment matches month payment in MX and on first payment letter. Please see updated IEADS |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053682 | 3158640529 | 37171664 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | The amount of taxes verified in file is $[Redacted] annually or $[Redacted] monthly; however, the final CD reflected an escrow amount for taxes of only $[Redacted] per month. | Reviewer Comment (2026-08-14): SitusAMC received Tax documentation. Buyer Comment (2026-08-13): Do not Concur. Please see latest MX screen shots that match CD and IEADS Reviewer Comment (2026-08-12): Loan file indicates annual taxes assessed at $[Redacted] annually. Please provide documentation of lower amount or corrected PCCD, LOE and proof of mailing. Buyer Comment (2026-08-11): Do not Concur. The total estimated taxes, insurance and assessments includes HOA dues that are not escrowed which is why it does not match the monthly escrow account. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053682 | 3158640529 | 37171678 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing MI cert. | Reviewer Comment (2026-08-10): MI Cert received |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053682 | 3158640529 | 37171679 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing MI cert. | Reviewer Comment (2026-08-10): MI Cert received |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053682 | 3158640529 | 37180957 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | File is missing the MI cert. | Reviewer Comment (2026-08-10): MI Cert received Buyer Comment (2026-08-10): Mi attached |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053683 | 3158640531 | 37185640 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points/Fees failure. | Reviewer Comment (2026-08-12): undiscounted rate and rate price information received Buyer Comment (2026-08-12): Please see attached undiscounted rate screens |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053683 | 3158640531 | 37185641 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-12): undiscounted rate and rate price information received Buyer Comment (2026-08-12): Please see attached undiscounted rate screens |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053683 | 3158640531 | 37185645 | 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. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. The Fee Amount of $[Redacted] exceeds the tolerance of $[Redacted]. $[Redacted] is over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure provided. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for LnRate and loan points [Redacted]. CDv2 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053685 | 3158640535 | 37187866 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-09): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053685 | 3158640535 | 37187867 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): RD - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053686 | 3158640536 | 37188373 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): [Redacted] - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053686 | 3158640536 | 37188375 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |
Reviewer Comment (2026-08-10): For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053686 | 3158640536 | 37188380 | 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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for loan amount [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053687 | 3158640537 | 37187115 | 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 amount increased after the rate lock date. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for loan amount [Redacted]. Cdv2 disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053693 | 3158640551 | 37153112 | 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 subject property is located in a FEMA disaster area. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. Provide a post-disaster inspection dated after the declaration end date of [Redacted]. | Reviewer Comment (2026-08-10): PDI received, showing no damage to the property |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053693 | 3158640551 | 37160997 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-05): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053695 | 3158640556 | 37173343 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053695 | 3158640556 | 37173344 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-06): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KY | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053695 | 3158640556 | 37173380 | 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 (2026-08-06): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-06): Do not Concur. Valid CIC for Loan amount [Redacted]. LEv2 disclosed timely |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053696 | 3158640559 | 37181455 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not concur. Valid CICs for lock expiration, loan amount, and loan points [Redacted]. CDv2 disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053698 | 3158640576 | 37183619 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording 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 (2026-08-14): PCCD, LOX, refund check, and proof of mailing received Buyer Comment (2026-08-14): Please see attached PCCD package Reviewer Comment (2026-08-14): SitusAMC agreed that the initial LE disclosed a baseline amount of $[Redacted]. However, the final CD reflected total fees subject to the [Redacted]% cumulative tolerance of $[Redacted]. The file does not contain a valid COC to support the added or increased fees. Therefore, a cure is required to the borrower. Buyer Comment (2026-08-13): Please verify the initial LE ten percent baseline. Section C $[Redacted] and section E $[Redacted]. Please verify corrected cure amount being requested |
08/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053698 | 3158640576 | 37183621 | 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 Subordination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Subordination 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 (2026-08-14): PCCD, LOX, refund check, and proof of mailing received Buyer Comment (2026-08-14): Please see attached PCCD package |
08/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053699 | 3158640580 | 37162494 | 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. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053700 | 3158640584 | 37154443 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): RD - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053700 | 3158640584 | 37161199 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-05): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053701 | 3158701237 | 37170777 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Per the final CD, the borrower paid for property taxes prior to closing and documentation of this was not provided in the file. | Reviewer Comment (2026-08-07): payoff statement received Buyer Comment (2026-08-07): Please see [Redacted] payoff statement ([Redacted]) showing the taxes due [Redacted] were disbursed from their escrow account balance. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053701 | 3158701237 | 37170801 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-06): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053701 | 3158701237 | 37170802 | 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 (2026-08-07): [Redacted] report shows no damage to the property Buyer Comment (2026-08-07): Pease review drive by inspection report |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053701 | 3158701237 | 37171952 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to being short funds to close. | Reviewer Comment (2026-08-10): asset documentation acceptable Buyer Comment (2026-08-10): Please review payoff statement reflecting paid taxes [Redacted] |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053701 | 3158701237 | 37171953 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to being short funds to close. | Reviewer Comment (2026-08-10): asset documentation acceptable Buyer Comment (2026-08-10): Please review payoff statement reflecting paid taxes [Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053701 | 3158701237 | 37171962 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Per the final CD, the borrower paid for property taxes prior to closing and documentation of this was not provided in the file. | Reviewer Comment (2026-08-10): asset documentation acceptable Buyer Comment (2026-08-10): Please review payoff statement reflecting paid taxes [Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053701 | 3158701237 | 37172020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the asset shortage. | Reviewer Comment (2026-08-10): asset documentation acceptable Buyer Comment (2026-08-10): Please review payoff statement reflecting paid taxes [Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053702 | 3158640608 | 37150775 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | The only assets verified is the gift in the amount of $[Redacted]. Final 1003 and AUS reflect one depository account; however, there was no documentation in file of the account. | Reviewer Comment (2026-08-05): sufficient asset documentation in file Buyer Comment (2026-08-05): Do Not Concur -- A Verification of Deposit dated [Redacted] for [Redacted] account ending [Redacted] is in file. The Final CD reflects a gift of equity from the borrower's parent in the amount of $[Redacted], with a gift letter in file. No large deposits or recurring debts are noted, and the borrower's available assets are sufficient to meet the total closing requirement of $[Redacted]. refer to page [Redacted] / [Redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053702 | 3158640608 | 37159749 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The only assets verified is the gift in the amount of $[Redacted]. Final 1003 and AUS reflect one depository account; however, there was no documentation in file of the account. | Reviewer Comment (2026-08-05): sufficient asset documentation in file |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053702 | 3158640608 | 37159756 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the asset shortage. | Reviewer Comment (2026-08-05): sufficient asset documentation in file |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053702 | 3158640608 | 37159757 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the asset shortage. | Reviewer Comment (2026-08-05): sufficient asset documentation in file |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053702 | 3158640608 | 37159781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to asset shortage. | Reviewer Comment (2026-08-05): sufficient asset documentation in file |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053703 | 3158640614 | 37160977 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Verification/Monitoring Fee (Pre-close). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | File did not contain a valid change of circumstance for the increased fee and there was no evidence of a tolerance change. | Reviewer Comment (2026-08-11): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-11): Please review CIC/LE Reviewer Comment (2026-08-06): the page indicated lists several changes, however, credit verification expired is not one of them Buyer Comment (2026-08-06): Do Not Concur - credit verification expired - refresh required - [Redacted] / [Redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053703 | 3158640614 | 37161135 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. 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 (2026-08-07): [Redacted] received rebuttal suffice Buyer Comment (2026-08-06): Do Not Concur - lender credit was fee specific, fee was not charged/disclosed on final CD |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053704 | 3158640617 | 37159969 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-05): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053708 | 3158640626 | 37169220 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-08-10): e-delivery of appraisal received Buyer Comment (2026-08-10): Please review acknowledgement |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053708 | 3158640626 | 37169222 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-07): Do Not Concur - valid CIC in file page [Redacted] / [Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053709 | 3158640628 | 37170601 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053710 | 3158640633 | 37164667 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | File did not contain documentation to evidence receipt of the appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-08-11): proof of appraisal emailed to client received Buyer Comment (2026-08-11): Please review proof of receipt |
08/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053711 | 3158640634 | 37177819 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Need evidence that the initial CD was provided to the borrower 3 or more business days prior to closing. | Reviewer Comment (2026-08-10): evidence of e-delivery of the CD received Buyer Comment (2026-08-10): Do Not Concur - please review "[Redacted]" time stamp - page [Redacted] / [Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053716 | 3158640662 | 37168239 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053716 | 3158640662 | 37168241 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-06): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053717 | 3158640682 | 37152819 | 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. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053717 | 3158640682 | 37152868 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount. | Reviewer Comment (2026-08-07): final title policy received Buyer Comment (2026-08-07): Please review title policy |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053718 | 3158640690 | 37152460 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053720 | 3158640704 | 37150915 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is required and was not found in file from [Redacted]. | Reviewer Comment (2026-08-05): Military VOE received |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053720 | 3158640704 | 37160132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE dated within 10 business days of closing. | Reviewer Comment (2026-08-05): Military VOE received |
08/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053720 | 3158640704 | 37160133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE dated within 10 business days of closing. | Reviewer Comment (2026-08-05): Military VOE received |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053720 | 3158640704 | 37160141 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE dated within 10 business days of closing. | Reviewer Comment (2026-08-05): Military VOE received Buyer Comment (2026-08-05): Do Not Concur - please review [Redacted] / [Redacted] |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053720 | 3158640704 | 37160194 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing VVOE dated within 10 business days of closing. | Reviewer Comment (2026-08-05): Military VOE received |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053724 | 3158640711 | 37172008 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | No | 3 | C | C | C | C | C | C | C | C | C | C | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053724 | 3158640711 | 37172009 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | No | 3 | C | C | C | C | C | C | C | C | C | C | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053724 | 3158640711 | 37172010 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | No | 3 | C | C | C | C | C | C | C | C | C | C | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053726 | 3158640717 | 37171694 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-08-07): IEADS is acceptable Buyer Comment (2026-08-07): Do Not Concur - Final CD [Redacted] - category G disclosed Starting Balance $[Redacted] and IEAD page [Redacted]/[Redacted] disclosed Staring Balance $[Redacted] - |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053726 | 3158640717 | 37173597 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053729 | 3158640732 | 37173460 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-10): undiscounted rate and price info received Buyer Comment (2026-08-10): Please review lender Compliance report excluding bona fide points and fees - page 1376 / D0744 |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053729 | 3158640732 | 37173461 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and not evidence of a tolerance cure. | Reviewer Comment (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do Not Concur - please review CIC - page 500 / D0548 |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053729 | 3158640732 | 37173462 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification of Income Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and not evidence of a tolerance cure. | Reviewer Comment (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do Not Concur - please review page 501 / D0549 |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053729 | 3158640732 | 37173463 | 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. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and not evidence of a tolerance cure. | Reviewer Comment (2026-08-11): [Redacted] received valid rebuttal comment, and the fee was correctly disclosed to the consumer. Buyer Comment (2026-08-10): Do Not Concur - 2 LE's issued [Redacted] - loan amount increased on 2nd LE accounts for transfer tax increase (D0546) |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053729 | 3158640732 | 37173467 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to QM points/fees failure. | Reviewer Comment (2026-08-10): undiscounted rate and price info received |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053729 | 3158640732 | 37181346 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | The subject disbursed on [Redacted] which was prior to the transaction date of [Redacted] established by the signature date on the Right to Cancel document. | No | 3 | C | C | C | C | C | C | C | C | C | C | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053729 | 3158640732 | 37181347 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The expected Right to Cancel expiration date based on transaction date of [Redacted] is [Redacted], not the[Redacted] indicated on the Right to Cancel document. | No | 3 | C | C | C | C | C | C | C | C | C | C | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053730 | 3158640736 | 37173071 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-08-07): removed HELOC LE's and this issue has been resolved Buyer Comment (2026-08-07): DO Not Concur - please review correct LE's |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053730 | 3158640736 | 37173072 | 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 Underwriting Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Underwriting Fee changed to $[Redacted] on the 2nd LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-07): removed HELOC LE's and this issue has been resolved Buyer Comment (2026-08-07): Do Not Concur - please re-review LE's - LE disclosing no appraisal fee is for HELOC $[Redacted] - Initial LE [Redacted] ($[Redacted]) disclosed Underwriting fee $[Redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053730 | 3158640736 | 37173073 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Fee changed to $[Redacted] on the 2nd LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-07): removed HELOC LE's and this issue has been resolved Buyer Comment (2026-08-07): Do Not Concur - please re-review LE's - LE disclosing no appraisal fee is for HELOC $[Redacted] - Initial LE ($[Redacted]) disclosed appraisal fee $[Redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053730 | 3158640736 | 37173074 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Verification Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-07): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-07): DO Not Concur - valid CIC in file page [Redacted] / [Redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053730 | 3158640736 | 37173075 | 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 Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Document Preparation Fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-07): removed HELOC LE's and this issue has been resolved Buyer Comment (2026-08-07): Do Not Concur - please re-review LE's - LE disclosing no appraisal fee is for HELOC $[Redacted] - Initial LE [Redacted] ($[Redacted]) disclosed doc prep $[Redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053730 | 3158640736 | 37173076 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Service Fee (Life Of Loan) Fee changed to $[Redacted] on the 2nd LE dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-07): removed HELOC LE's and this issue has been resolved Buyer Comment (2026-08-07): Do Not Concur - please re-review LE's - LE disclosing no appraisal fee is for HELOC $[Redacted] - Initial LE [Redacted] ($[Redacted]) disclosed tax service fee $[Redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053732 | 3158701242 | 37171139 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No evidence in file that the initial CD was delivered to the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-08-07): initial CD delivery received Buyer Comment (2026-08-07): Do Not Concur - please review page 6 / [Redacted] and page 9 /[Redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053732 | 3158701242 | 37171155 | 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 (2026-08-07): drive-by appraisal received Buyer Comment (2026-08-07): Please review Drive by appraisal |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053732 | 3158701242 | 37171158 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-06): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053733 | 3158640804 | 37169165 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053733 | 3158640804 | 37169170 | 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 (2026-08-12): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. Buyer Comment (2026-08-12): [Redacted] - Please see FEMA exception |
08/12/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | AZ | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053733 | 3158640804 | 37169209 | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. | Reviewer Comment (2026-08-13): confirmed, new lender is same as original lender |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053733 | 3158640804 | 37169210 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Right to Cancel is on Form H-9; however, the Title Search verifies the first lien mortgage is in the name of a different lender. Right to Cancel should be on Form H-8. | Reviewer Comment (2026-08-13): confirmed, new lender is same as original lender Buyer Comment (2026-08-13): Do Not Concur-The Notice of Right to Cancel is on the correct form, as the borrower is receiving additional cash back from the same lender. Title Schedule B confirms [Redacted] as the originator. The H-9 document is required on same lender transactions where the customer receives any cash back; it states "you are entering into a NEW transaction to increase the amount of credit previously provided to you |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053733 | 3158640804 | 37217793 | 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 (2026-08-12): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |
08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053734 | 3158640838 | 37169396 | 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 Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Survey Fee. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. $[Redacted] is over the legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | No | 3 | C | C | C | C | C | C | C | C | C | C | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053735 | 3158640846 | 37169040 | 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 (2026-08-17): Driveby appraisal received, showing no damage to the property Buyer Comment (2026-08-17): Please see attached 2055 appraisal. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053735 | 3158640846 | 37169043 | 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 (2026-08-17): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting drive-by appraisal was provided. Buyer Comment (2026-08-17): Please see 2055 appraisal. |
08/17/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | AZ | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053735 | 3158640846 | 37169053 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy amount of $[Redacted] is less than the note amount of $[Redacted] based on the commitment in file. | Reviewer Comment (2026-08-14): final title policy received Buyer Comment (2026-08-14): Please review title policy |
08/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053735 | 3158640846 | 37243331 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting drive-by appraisal was provided. | Reviewer Comment (2026-08-17): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting drive-by appraisal was provided. |
08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053737 | 3158640945 | 37169321 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted]on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-11): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-11): See attached CD dated [Redacted] and LOE for the decrease in Lender Credits. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053738 | 3158640951 | 37170677 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-08-07): desk review receives with a value supporting the appraisal value Buyer Comment (2026-08-07): See attached CDA |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | UT | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053739 | 3158640963 | 37170670 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-07): undiscounted rate and rate price information received Buyer Comment (2026-08-07): See page [Redacted] /[Redacted] in the loan file for Points and fees excluded per Lender test. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053739 | 3158640963 | 37170671 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for the points and fees calculation. | Reviewer Comment (2026-08-07): undiscounted rate and rate price information received Buyer Comment (2026-08-07): See page [Redacted] /[Redacted] in the loan file for Points and fees excluded per Lender test. |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053740 | 3158640974 | 37170050 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-07): undiscounted rate and rate price information received Buyer Comment (2026-08-07): See document ID [Redacted] page [Redacted]. Discount Point Fee Disclosure to exclude $[Redacted] Discount Points. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053740 | 3158640974 | 37170054 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to QM Points and Fees failure. | Reviewer Comment (2026-08-07): undiscounted rate and rate price information received Buyer Comment (2026-08-07): See document ID [Redacted] page [Redacted]. Discount Point Fee Disclosure to exclude $[Redacted] Discount Points. |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053741 | 3158641011 | 37178021 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file was missing a copy of the 1003 Final. | Reviewer Comment (2026-08-10): final 1003 received Buyer Comment (2026-08-10): See attached Final 1003 |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053741 | 3158641011 | 37178025 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | The file was missing a copy of the Initial Escrow Account Disclosure. | Reviewer Comment (2026-08-10): disclosure received Buyer Comment (2026-08-10): see attached IEADS |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053743 | 3158641055 | 37177967 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053743 | 3158641055 | 37177975 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053744 | 3158641073 | 37179659 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP forms in file did not contain a risk score. | Reviewer Comment (2026-08-10): desk review received, with a value supporting the appraisal value Buyer Comment (2026-08-10): See attached CDA |
08/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053745 | 3158641095 | 37178004 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for the points and fees overage. | Reviewer Comment (2026-08-10): undiscounted rate information received Buyer Comment (2026-08-10): see page [Redacted] / [Redacted] in the loan file for Points and fees excluded per Lender test. |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053745 | 3158641095 | 37178005 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-10): undiscounted rate information received Buyer Comment (2026-08-10): see page [Redacted] / [Redacted] in the loan file for Points and fees excluded per Lender test. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053746 | 3158641100 | 37179761 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-08-10): updated title commitment received and has acceptable loan amount coverage Buyer Comment (2026-08-10): See attached Final TP |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AL | Primary | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053750 | 3158641122 | 37178652 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053750 | 3158641122 | 37178656 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053753 | 3158641155 | 37196322 | 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. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053753 | 3158641155 | 37196323 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053754 | 3158641179 | 37178510 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-10): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053754 | 3158641179 | 37178513 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): RD - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053755 | 3158641188 | 37183719 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-08-10): evidence of e-delivery of initial CD received Buyer Comment (2026-08-10): See page 8 / [Redacted] in the Loan File.. CD viewed at least 3 business days prior to closing. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053756 | 3158641220 | 37170853 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [Redacted] Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | Final itemized disclosure of fees, points, costs, and charges was not provided to the borrower at least one business day prior to closing. | Reviewer Comment (2026-08-07): borrower ack in file Buyer Comment (2026-08-07): See page [Redacted] / [Redacted] in the loan file as borrower acknowledged receipt one day prior to closing. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053760 | 3158701248 | 37169830 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053761 | 3158641286 | 37174163 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page [Redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Disclosure reflects Finance Charge of $[Redacted] but calculated Finance Charge of $[Redacted]. Variance of $[Redacted]. | Reviewer Comment (2026-08-10): [Redacted] received additional clarification on reimbursement fee is HOA reimbursement in section H Buyer Comment (2026-08-07): See page [Redacted] / [Redacted] in the loan file. Please see the executed settlement statement, which indicates the HOA Reimbursement fee in the amount of $[Redacted]. This fee should not be included in the Finance Charge calculations. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053761 | 3158641286 | 37175188 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053761 | 3158641286 | 37175189 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053764 | 3158701249 | 37142773 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053764 | 3158701249 | 37142774 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053767 | 3158641342 | 37170155 | 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 (2026-08-17): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. Buyer Comment (2026-08-17): RD - Please see attached BPO |
08/17/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053767 | 3158641342 | 37170172 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | File is missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Please see paystub (D0386) dated ([Redacted]) within 15 business days of the Note. Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053767 | 3158641342 | 37170173 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | File is missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Please see paystub (D0385) dated ([Redacted]) within 15 business days of the Note. Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053767 | 3158641342 | 37170174 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | File is missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053767 | 3158641342 | 37170175 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | File is missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053767 | 3158641342 | 37170182 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | File is missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053767 | 3158641342 | 37177249 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOEs for both borrowers within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053767 | 3158641342 | 37177250 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOEs for both borrowers within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053767 | 3158641342 | 37177251 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing VVOEs for both borrowers within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053767 | 3158641342 | 37177252 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOEs for both borrowers within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub received and acceptable for VVOE Buyer Comment (2026-08-10): Paystubs satisfies VOE requirements. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053767 | 3158641342 | 37243770 | 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 (2026-08-17): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |
08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053769 | 3158701252 | 37142319 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-08-05): client accepts EV2 condition Buyer Comment (2026-08-05): EV2 accepted. |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053769 | 3158701252 | 37144578 | 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. | The fee for Transfer Taxes was increased on the [Redacted] Loan Estimate with no valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-06): [Redacted] received rebuttal comment and as per LE page #3. Buyer Comment (2026-08-05): Please review COC page [Redacted] / [Redacted] ( new construction verbiage on page 3 of LE) |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053770 | 3158641347 | 37175779 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing Third-Party Verification. | Reviewer Comment (2026-08-10): verification of employment received Buyer Comment (2026-08-10): see page 2 / D0501 in the Loan File for VOE. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053770 | 3158641347 | 37175849 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing VVOE for borrower XXX dated within [Redacted] days of the Note. | Reviewer Comment (2026-08-10): verification of employment received Buyer Comment (2026-08-10): see page 2 / D0501 in the Loan File for VOE. |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053770 | 3158641347 | 37175850 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Waterfall finding due to missing VVOE for borrower XXX dated within [Redacted] days of the Note. | Reviewer Comment (2026-08-10): verification of employment received Buyer Comment (2026-08-10): see page 2 / D0501 in the Loan File for VOE. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053770 | 3158641347 | 37175851 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE for borrower XXX dated within [Redacted] days of the Note. | Reviewer Comment (2026-08-10): verification of employment received Buyer Comment (2026-08-10): see page 2 / D0501 in the Loan File for VOE. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053770 | 3158641347 | 37175925 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final CD disclosed an Initial Escrow Payment that includes non-borrower paid amounts. | Reviewer Comment (2026-08-10): client accepts EV2 condition Buyer Comment (2026-08-10): EV2 accepted. Reviewer Comment (2026-08-10): lender comment does not fit this open condition Buyer Comment (2026-08-10): see page 2 / D0501 in the Loan File for VOE. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053770 | 3158641347 | 37177108 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for borrower XXX dated within 30 days of the Note. | Reviewer Comment (2026-08-10): verification of employment received Buyer Comment (2026-08-10): see page 2 / D0501 in the Loan File for VOE. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053770 | 3158641347 | 37177118 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for borrower [Redacted] dated within 30 days of the Note. | Reviewer Comment (2026-08-10): verification of employment received Buyer Comment (2026-08-10): see page 2 / D0501 in the Loan File for VOE. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053772 | 3158641351 | 37179213 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053774 | 3158641366 | 37178884 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal by the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-08-17): evidence of appraisal delivery received Buyer Comment (2026-08-17): see attached appraisal acknowledgment. |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053774 | 3158641366 | 37178885 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-11): undiscounted rate and rate price received Buyer Comment (2026-08-11): Please review XXX at D0492 and XXX at D0417. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053774 | 3158641366 | 37178886 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-08-17): disclosure received Buyer Comment (2026-08-17): See attached Homeownership Form |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053774 | 3158641366 | 37178888 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points/Fees failure. | Reviewer Comment (2026-08-11): undiscounted rate and rate price received Buyer Comment (2026-08-11): Please review XXX at D0492 and XXX at D0417. |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053775 | 3158701256 | 37170627 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053777 | 3158641395 | 37169447 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053777 | 3158641395 | 37169457 | 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: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | NJ | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053777 | 3158641395 | 37198676 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary [Redacted] was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Rate/Term | D | B | C | A | A | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053779 | 3158641411 | 37170253 | 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 (2026-08-10): PDI showing no damage received Buyer Comment (2026-08-10): Please review uploaded PDI. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053779 | 3158641411 | 37175634 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-06): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053780 | 3158701257 | 37142154 | 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. | HOA dues are not reflected on page 4 of the Closing Disclosure as a non-escrowed property cost. | No | 3 | C | C | C | C | C | C | C | C | C | C | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053784 | 3158701262 | 37145105 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053786 | 3158641502 | 37171734 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. Provide the seller CD to confirm any seller paid fees. | Reviewer Comment (2026-08-14): seller CD received Buyer Comment (2026-08-14): Please review uploaded Seller CD |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053788 | 3158641526 | 37177444 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP risk scores in file. | Reviewer Comment (2026-08-11): UCDP with passing risk score received Buyer Comment (2026-08-11): Please review uploaded UCDP |
08/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053788 | 3158641526 | 37177459 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | AUS document is missing in the file. | Reviewer Comment (2026-08-11): AUS received Buyer Comment (2026-08-11): Please review uploaded DU. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053788 | 3158641526 | 37194559 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | AUS Feedback cert is missing from the file. | Reviewer Comment (2026-08-11): AUS received Buyer Comment (2026-08-11): Please review uploaded DU |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053789 | 3158641537 | 37168503 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-08-07): desk review received, with a value supporting the appraisal value |
08/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053789 | 3158641537 | 37168536 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | File is missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub as verification of employment acceptable Buyer Comment (2026-08-10): Please review [Redacted]. Paystub through [Redacted] satisfies VOE requirement ([Redacted] Note date). |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053789 | 3158641537 | 37168537 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | File is missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub as verification of employment acceptable Buyer Comment (2026-08-10): Please review [Redacted]. Paystub through [Redacted] satisfies VOE requirement ([Redacted] Note date). |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053789 | 3158641537 | 37176154 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE for the borrower dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub as verification of employment acceptable Buyer Comment (2026-08-10): Please review [Redacted]. Paystub through [Redacted] satisfies VOE requirement ([Redacted] Note date). |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053789 | 3158641537 | 37176155 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for the borrower dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub as verification of employment acceptable Buyer Comment (2026-08-10): Please review [Redacted]. Paystub through [Redacted] satisfies VOE requirement ([Redacted] Note date). |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053789 | 3158641537 | 37176198 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE dated within 10 business days of the Note | Reviewer Comment (2026-08-10): recent paystub as verification of employment acceptable Buyer Comment (2026-08-10): Please review [Redacted]. Paystub through [Redacted] satisfies VOE requirement ([Redacted] Note date). |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053789 | 3158641537 | 37176320 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE for the borrower dated within 10 business days of the Note. | Reviewer Comment (2026-08-10): recent paystub as verification of employment acceptable Buyer Comment (2026-08-10): Please review [Redacted]. Paystub through [Redacted] satisfies VOE requirement ([Redacted] Note date). |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053790 | 3158641547 | 37177773 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. | Flood Certificate/Order Number was not provided. | Reviewer Comment (2026-08-10): cert information received Buyer Comment (2026-08-10): Please review uploaded flood notice. |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053792 | 3158701264 | 37172691 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Permanent resident alien status documentation for [Redacted] is missing | Reviewer Comment (2026-08-07): Patriot Act information received Buyer Comment (2026-08-07): Please review review page [Redacted] ([Redacted]) and page [Redacted] ([Redacted]) . Redacted SSN and DOB matches info on URLA. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053792 | 3158701264 | 37172825 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent resident alien status documentation for [Redacted] is missing | Reviewer Comment (2026-08-07): Patriot Act information received Buyer Comment (2026-08-07): Please review review page [Redacted] ([Redacted]) and page [Redacted] ([Redacted]) . Redacted SSN and DOB matches info on URLA. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053792 | 3158701264 | 37172872 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest dated CD in file is dated [Redacted] which is not at least 3 business days prior to closing. | Reviewer Comment (2026-08-07): evidence of initial CD receipt by borrower has been received Buyer Comment (2026-08-07): Please review [Redacted], [Redacted] and [Redacted] supporting delivery and receipt on [Redacted]. Reviewer Comment (2026-08-07): Missing evidence of when the initial CD was received by the borrower Buyer Comment (2026-08-07): Do not concur. Final CD, dated [Redacted], was sign [Redacted], which is 3 business days after [Redacted] initial CD. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053795 | 3158701268 | 37174571 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing for the subject property. | Reviewer Comment (2026-08-07): HOI policy received Buyer Comment (2026-08-07): Please review uploaded HOI. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053799 | 3158641591 | 37178361 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-09): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053799 | 3158641591 | 37187929 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fees subject to [Redacted]% tolerance increased above the allowable limit primarily because of an increase to the Lender's Title Insurance fee. No valid change of circumstance in file and there was no evidence of a tolerance cure. | Reviewer Comment (2026-08-14): PCCD, LOX, refund check, and proof of mailing received to cure fee tolerance issue. Buyer Comment (2026-08-14): Please review uploaded LOE, PCCD, copy of refund check and proof of mailing. |
08/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053800 | 3158641592 | 37181185 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Loan is testing as a High Cost loan and the required Statement was not provided to purchaser or assignee for loan that was sold or assigned. | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053800 | 3158641592 | 37181186 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the borrower. | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053800 | 3158641592 | 37181187 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Mortgage loan financed points and fees. | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053800 | 3158641592 | 37181189 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. | Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or a grace period of less than [Redacted] days. | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053800 | 3158641592 | 37181190 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Points and fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-compliant high-cost loan. | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053800 | 3158641592 | 37181191 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053800 | 3158641592 | 37181193 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the loan testing out as a High Cost Loan. | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053800 | 3158641592 | 37181194 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-08-11): upon further review, loan passes testing Buyer Comment (2026-08-11): Please review [Redacted] at [Redacted] starting at page [Redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053801 | 3158641593 | 37177656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | No documentation in file to evidence receipt of the [Redacted] Loan Estimate and the presumed receipt date would not have been at least 4 business days prior to closing. | No | 3 | C | C | C | C | C | C | C | C | C | C | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053801 | 3158641593 | 37187784 | 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 Application Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Application fee of $[Redacted] was added on the LE 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 (2026-08-11): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-11): Do not concur. Please see CIC on D0312. Program changed and $[Redacted] previously disclosed as Underwriting Fees on [Redacted] LE was amended to $[Redacted] for Application Fees and $[Redacted] for Commitment Fee. The net fee charged to the borrower remained unchanged. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053801 | 3158641593 | 37187785 | 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 Commitment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Commitment fee of $[Redacted] was added on the LE 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 (2026-08-11): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-11): Do not concur. Please see CIC on D0312. Program changed and $[Redacted] previously disclosed as Underwriting Fees on [Redacted] LE was amended to $[Redacted] for Application Fees and $[Redacted] for Commitment Fee. The net fee charged to the borrower remained unchanged. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053801 | 3158641593 | 37187786 | 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 Reinspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Reinspection fee of $[Redacted] was added on the LE 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 (2026-08-11): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-11): Do not concur. Please see CIC on D0314. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053801 | 3158641593 | 37187787 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. | No | 3 | C | C | C | C | C | C | C | C | C | C | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226053802 | 3158701273 | 37142478 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053805 | 3158641595 | 37178824 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[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 (2026-08-11): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-11): Do not concur. Please see CIC on [Redacted](and LE on [Redacted]) that indicates addition of Appraisal Re-Inspection Fee of $[Redacted] on [Redacted] LE. Final CD reflects fee as Appraisal Fee (2nd Appraisal) for $[Redacted]. The fees are for the same service. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053807 | 3158641604 | 37183636 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Multiple fields in the Contact Information section of the final CD were redacted so it cannot be determined if the information was provided or not. | Reviewer Comment (2026-08-10): final CD with the needed data was visible Buyer Comment (2026-08-10): See attached Final CD |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053807 | 3158641604 | 37187902 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Based on review of the Note and Title Commitment the loan was a same lender refinance. | Reviewer Comment (2026-08-13): correct RTC received Buyer Comment (2026-08-13): Please review Notice of Right to cancel attached. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053808 | 3158701279 | 37142942 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. Documentation in file points to appraisal delivery in [Redacted], however, the appraisal was completed in [Redacted]. | Reviewer Comment (2026-08-05): proof of appraisal delivery in file is acceptable Buyer Comment (2026-08-05): Do not concur. Please review document ID [Redacted] page [Redacted] , Certificate of Appraisal Delivery, I certify the email address redacted is the same as listed on the URLA/1003. |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053809 | 3158701280 | 37169817 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Monthly MI premium on Final CD is [Redacted] and is escrowed. Page 4 of the final CD indicated the annual cost is $[Redacted], however this is not the correct amount. | Reviewer Comment (2026-08-10): The projected payments table includes a line item for mortgage insurance and a separate line item for those amounts payable into an escrow account. The charges that are included in the escrow line item are mortgage-related obligations including property taxes, HOA dues, ground rent, and certain insurance premiums. In this context, those mortgage-related obligations included in the escrow line item would not include mortgage insurance premiums as these insurance premiums are specifically carved out from charges that should be considered. See 12 CFR § 1026.38(c)(1) which references § 1026.37(c)(4)(ii) and the RESPA/Regulation X escrow analysis. These mortgage insurance premium amounts would not be calculated into the escrow line item because there is a separate line item specifically for mortgage insurance premiums. Please provide PCCD with a corrected page 4 showing no escrow accounts, LOE and proof of mailing. Buyer Comment (2026-08-07): Do not concur. Please re-review document ID XXX PAGE 287. Mortgage Insurance [Redacted] and confirms the Escrowed Property Costs, this is acceptable as amounts can be [Redacted]. |
No | 3 | C | C | C | C | C | C | C | C | C | C | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053809 | 3158701280 | 37169821 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053810 | 3158701285 | 37170676 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053813 | 3158641612 | 37177665 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Provide a supplemental title commitment or final title policy with coverage equal to the note amount. | Reviewer Comment (2026-08-13): final title policy received Buyer Comment (2026-08-13): Please review Title attached. Reviewer Comment (2026-08-10): Need documentation from title company confirming coverage amount. Affidavit of Title is insufficient to resolve Buyer Comment (2026-08-10): see the Affidavit of Title on page [Redacted] /[Redacted] ([Redacted]) |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053816 | 3158641614 | 37177964 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | File is missing a VVOE within 10 business days of closing for the borrower. | Reviewer Comment (2026-08-12): VVOE received Buyer Comment (2026-08-12): Please review documents to satisfy citing |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053816 | 3158641614 | 37177968 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-08-12): appraisal email confirmation received, [Redacted] Buyer Comment (2026-08-12): See attached Appraisal receipt |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053816 | 3158641614 | 37193608 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Document is missing from file. | Reviewer Comment (2026-08-12): disclosure received Buyer Comment (2026-08-12): Please review to satisfy |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053816 | 3158641614 | 37193648 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE within 10 business days of closing for the borrower. | Reviewer Comment (2026-08-12): VVOE received |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053816 | 3158641614 | 37193649 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE within 10 business days of closing for the borrower. | Reviewer Comment (2026-08-12): VVOE received |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053816 | 3158641614 | 37193662 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE within 10 business days of closing for the borrower. | Reviewer Comment (2026-08-12): VVOE received |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053816 | 3158641614 | 37193664 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE within 10 business days of closing for the borrower. | Reviewer Comment (2026-08-12): VVOE received |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053822 | 3158701294 | 37170046 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment was not within 10 business days of the Note. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub Buyer Comment (2026-08-10): Do Not Concur - Alternative employment verification used the most recent paystub (end date [Redacted], check date [Redacted]) within 15 days prior to the Note date. page [Redacted] / [Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053822 | 3158701294 | 37170061 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | The verification of employment was not within 10 business days of the Note. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053822 | 3158701294 | 37176812 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the missing VVOE for both borrowers dated within 10 business days of closing. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053822 | 3158701294 | 37176813 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE for both borrowers dated within 10 business days of closing. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053822 | 3158701294 | 37176838 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for both borrowers dated within 10 business days of closing. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053822 | 3158701294 | 37176839 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | File is missing a VVOE for the borrower dated within 10 business days of closing. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053822 | 3158701294 | 37176851 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing VVOE for both borrowers dated within 10 business days of closing. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053822 | 3158701294 | 37176870 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a VVOE for both borrowers dated within 10 days of closing. | Reviewer Comment (2026-08-10): verification of employment verified with recent paystub Buyer Comment (2026-08-10): Do Not Concur - [Redacted] -Employment was supported via alternative verification using the most recent paystub (end date [Redacted], check date [Redacted]) within 15 days prior to the Note date. page [Redacted]/[Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053826 | 3158641626 | 37180751 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-08-10): client accepts EV2 condition Buyer Comment (2026-08-10): Accept EV2 |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053828 | 3158641631 | 37179645 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-08-11): client accepts EV2 condition Buyer Comment (2026-08-11): Concur. Accept EV2. Closing Disclosure includes seller-paid escrow payment. |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053829 | 3158701298 | 37142822 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Earliest esign disclosure found signed [Redacted]. The Disclosure Tracking Summary indicates consent [Redacted]; however, evidence of that consent is not in file. | Reviewer Comment (2026-08-05): e-consent date on tracking form is sufficient Buyer Comment (2026-08-05): Do not concur. Please review document ID [Redacted] page [Redacted], Disclosure Tracking Details confirm Consent Accepted [Redacted]-borrowers email address redacted is one in the same as listed on the URLA/1003. Secondary confirmation document id [Redacted] page [Redacted]. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053832 | 3158641636 | 37178311 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-08-10): credit report received Buyer Comment (2026-08-10): Please review |
08/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226053832 | 3158641636 | 37178313 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | Reviewer Comment (2026-08-10): MI Cert received Buyer Comment (2026-08-10): Please review MIC |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226053832 | 3158641636 | 37178472 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing credit report. | Reviewer Comment (2026-08-10): credit report received |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053832 | 3158641636 | 37178473 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing credit report. | Reviewer Comment (2026-08-10): credit report received |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053832 | 3158641636 | 37187732 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Credit Report was not provided. | Reviewer Comment (2026-08-10): credit report received |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053833 | 3158701300 | 37154299 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053837 | 3158641640 | 37172266 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | File is missing a VVOE for the borrower dated within 10 days of the Note. | Reviewer Comment (2026-08-11): income/employment for the co-borrower is acceptably verified Buyer Comment (2026-08-10): Do Not Concur - Please review the most recent two-year income receipt for Borrower 2 to meet document requirements for Foster Care income and its continuance. I've also provided the year-end [Redacted] and most recent [Redacted] stipends for further reference. Since the stipends come from a State-sponsored organization, a VOE would not apply. [Redacted] Stipend - page [Redacted] /[Redacted] and Year End [Redacted] Stipend - page [Redacted] / [Redacted] and Income Letter page [Redacted] and [Redacted] / [Redacted] and [Redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053837 | 3158641640 | 37172315 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing VVOE for the co-borrower dates within 10 days or the Note. | Reviewer Comment (2026-08-11): income and employment docs are acceptable for the co-borrower |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053837 | 3158641640 | 37172316 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, WVOE provided was dated more than [Redacted] days prior to closing. | WVOE provided was dated more than [Redacted] days prior to closing. | Reviewer Comment (2026-08-07): WVOE is just less than [Redacted] days and meets guides which allow up to [Redacted] days. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053837 | 3158641640 | 37172318 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Fee disclosed 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. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053837 | 3158641640 | 37172381 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | The verification of employment is not within 10 business days of the Note. | Reviewer Comment (2026-08-11): income/employment for the co-borrower is acceptably verified |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053837 | 3158641640 | 37182009 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | .. | Reviewer Comment (2026-08-11): income/employment for the co-borrower is acceptably verified |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053837 | 3158641640 | 37182206 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE for co-borrower. | Reviewer Comment (2026-08-11): income and employment docs are acceptable for the co-borrower |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053837 | 3158641640 | 37182207 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for co-borrower. | Reviewer Comment (2026-08-11): income/employment for the co-borrower is acceptably verified |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053841 | 3158641645 | 37190169 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-08-14): SitusAMC received lender attestation on the service provided related to confirming title status. Buyer Comment (2026-08-13): Do not Concur. The Title-Title certification fee is a third party title charge for the title company to certify the status of title. A title certification is a settlement/title service performed in connection with closing, and it's paid for the service itself at/around closing, not an advance payment covering a future time period. So, consistent with the CFPB's TRID structure, it belongs in Closing Cost Details .Title services (and related) / other settlement services, not in Prepaids. It is excluded from the finance charge, and therefore does not affect the APR. Reviewer Comment (2026-08-13): Fee purpose determines inclusion or exclusion from APR calculations. Please provide documentation or LOE if the Title - Certification Fee is excludable under 1026.4(c)(7). 1026.4(c)(7) excludes the following fees only. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. Buyer Comment (2026-08-12): Do not concur. AMC is including the TItle certification fee $[Redacted] as a prepaid fee and should not be |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053842 | 3158641647 | 37180460 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized and was originated with an appraisal waiver. | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053842 | 3158641647 | 37184788 | 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 (2026-08-12): drive by appraisal received, showing no damage to the subject property. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053843 | 3158641652 | 37178644 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-07): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053843 | 3158641652 | 37178653 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted]for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-08-07): HOI policy indicates replacement cost coverage |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053843 | 3158641652 | 37178663 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053843 | 3158641652 | 37178718 | 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. CD disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053844 | 3158641654 | 37182386 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Reviewer Comment (2026-08-10): evidence of disclosure delivery received Buyer Comment (2026-08-10): Do not concur. HOC was sent to the customer [Redacted] |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053844 | 3158641654 | 37182387 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal 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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not Concur. Valid CIC for complexity [Redacted]. LE disclosed timely |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053845 | 3158641657 | 37181203 | 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 (2026-08-10): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-10): Please see attached BPO. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053845 | 3158641657 | 37181206 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-07): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053846 | 3158641658 | 37174685 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing employment/income documentation. | Reviewer Comment (2026-08-13): Automated documentation of income acceptable Buyer Comment (2026-08-13): I responded with regards to the [Redacted] income and provided procedures on the 2nd compliance exception. The [Redacted] income is determined by AUS. Reviewer Comment (2026-08-13): The credit exception was for a different borrower. This finding is separate Buyer Comment (2026-08-12): Please clear this exception since its a waterfall to the credit exception. |
08/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053846 | 3158641658 | 37174686 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | Income and employment for [Redacted] were validated by AUS; however, the underlying report was missing from the loan file and is required to be in file to meet the AUS. | Reviewer Comment (2026-08-13): Automated documentation of income acceptable Buyer Comment (2026-08-13): see attached DIV procedures, AUS validated the DIV and it's on the AUS findings in the file, the report in question is not required to be analyzed by Underwriting and it's uploaded to the loan until after the loan closes. It's not part of the Underwriting process nor should be analyzed as the AUS is the source document to validated the DIV. Thank you Reviewer Comment (2026-08-13): The credit exception was for a different borrower. This finding is separate. Buyer Comment (2026-08-12): Please clear this exception since its a waterfall to the credit exception. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053846 | 3158641658 | 37174734 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. | - | File was missing a VVOE dated within 10 business days of the Note. | Reviewer Comment (2026-08-12): VVOE received Buyer Comment (2026-08-12): Do Not Agree, in file build Verified [Redacted] Pg [Redacted] [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053847 | 3158641659 | 37183299 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[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 (2026-08-10): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-10): Do not Concur. Valid CIC for final inspection required [Redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053848 | 3158641662 | 37182994 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial Closing Disclosure is not signed/dated to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-08-12): proof of initial CD delivery received Buyer Comment (2026-08-12): Do not Concur. Initial CD sent [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226053848 | 3158641662 | 37182995 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Lock expiration and CIC for loan points [Redacted]. LE disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053851 | 3158641667 | 37184533 | 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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for Subqtlock and Loan points [Redacted]. Cd disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053851 | 3158641667 | 37184539 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226053851 | 3158641667 | 37191257 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-08-10): I-94 info in file |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226053852 | 3158641668 | 37185822 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree / Child Support document is missing in the file. | Reviewer Comment (2026-08-12): child support withholding information received Buyer Comment (2026-08-12): Customer #1 ([Redacted]) is married to Customer #2 ([Redacted]). Customer #2 ([Redacted]) is obligated to pay child support to [Redacted] , the support order is on page #995 of the file build and here is the withholding order. There is no divorce decree |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053852 | 3158641668 | 37185823 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | Mortgage Insurance Certificate (MIC) is missing in the file. | Reviewer Comment (2026-08-11): MI Cert received Buyer Comment (2026-08-11): MI cert attached |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053852 | 3158641668 | 37185827 | 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 property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after [Redacted] declared end date. | No | 3 | C | C | C | C | C | C | C | C | C | C | OH | Primary | Refinance - Rate/Term | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 226053852 | 3158641668 | 37185829 | 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 | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | No | 3 | D | D | B | B | D | D | C | C | D | D | OH | Primary | Refinance - Rate/Term | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226053852 | 3158641668 | 37185860 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing the PMI certificate. | Reviewer Comment (2026-08-11): MI Cert received |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053852 | 3158641668 | 37185861 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing the PMI certificate. | Reviewer Comment (2026-08-11): MI Cert received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | D | D | C | C | C | A | D | D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053853 | 3158641670 | 37176030 | 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. | Zero Percent Fee Tolerance was exceeded for Loan Discount Points. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over the legal limit. No valid change of circumstance found and no evidence of a tolerance cure provided. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. Cd disclosed timely |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053855 | 3158641675 | 37181365 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | No secondary valuation for securitization purposes. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053856 | 3158641676 | 37184876 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | The file was missing a copy of the Mortgage Insurance Certificate. | Reviewer Comment (2026-08-11): MI Cert received Buyer Comment (2026-08-11): MI cert |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053856 | 3158641676 | 37184976 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing Mortgage Insurance Certificate. | Reviewer Comment (2026-08-11): MI Cert received |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053856 | 3158641676 | 37184993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing Mortgage Insurance Certificate. | Reviewer Comment (2026-08-11): MI Cert received |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053856 | 3158641676 | 37184994 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for appraised value and loan points [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053857 | 3158641678 | 37196998 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing most recent paystub OR the supporting report for the AUS income rep/warranty. | Reviewer Comment (2026-08-11): employment verification in file is acceptable |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053857 | 3158641678 | 37197127 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due missing paystub for borrower XXX OR the supporting report for the rep/warranty of his income. | Reviewer Comment (2026-08-11): employment verification in file is acceptable |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053857 | 3158641678 | 37197128 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due missing paystub for borrower XXX OR the supporting report for the rep/warranty of his income. | Reviewer Comment (2026-08-11): employment verification in file is acceptable |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053857 | 3158641678 | 37197129 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided without borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-08-12): initial LE sent to borrower by mail Buyer Comment (2026-08-12): Do not Concur. Initial LE sent via [Redacted] [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053857 | 3158641678 | 37199255 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due missing paystub for borrower XXX OR the supporting report for the rep/warranty of his income. | Reviewer Comment (2026-08-11): employment verification in file is acceptable Buyer Comment (2026-08-11): Do Not Agree, VVOE in file build |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053857 | 3158641678 | 37199298 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | AUS indicates income was verified for borrower [Redacted]; however, the supporting report for the Income rep/warranty was not in file. | Reviewer Comment (2026-08-11): employment verification in file is acceptable Buyer Comment (2026-08-11): Disagree, VVOE in file dated [Redacted] [Redacted], [Redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053858 | 3158641682 | 37185548 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): RD - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053858 | 3158641682 | 37185649 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Disclosures were sent to borrower prior to obtaining consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application or proof of disclosure sent to borrower using another method within 3 days of application. | Reviewer Comment (2026-08-12): evidence of e-consent date received Buyer Comment (2026-08-12): Do not concur. TRID App was achieved [Redacted]. Initial Loan Estimate was sent to the borrower via CMH. Documents are not released to the borrower's CMH account for review until econsent is obtained. Borrower econsented, then accessed the LE [Redacted]. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053858 | 3158641682 | 37185650 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase of Title - Recording service fee, Title - Document preparation fee, and Title - Closing protection fee. No valid COC was provided, nor evidence of cure in file. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not concur. Recording fees increased [Redacted] due to a change in vesting. Fee increase was disclosed on [Redacted] LE. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053858 | 3158641682 | 37185651 | 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 Points. Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Loan Amount increased [Redacted] causing an increase to discount points. Fee increase was disclosed on[Redacted] LE. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053858 | 3158641682 | 37185652 | 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 was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-08-14): PCCD, LOX, refund check, and proof of mailing received Buyer Comment (2026-08-14): Please see attached PCCD package |
08/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053858 | 3158641682 | 37198226 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Rate/Term | C | B | C | A | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053859 | 3158641685 | 37187323 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized and was originated with an appraisal waiver. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053859 | 3158641685 | 37196154 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053860 | 3158641689 | 37192772 | 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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for initial loan lock |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053861 | 3158641691 | 37187010 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided | MI Cert not located in file. | Reviewer Comment (2026-08-11): MI Cert received Buyer Comment (2026-08-11): MI cert |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Rate/Term | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053861 | 3158641691 | 37187012 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): RD - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Rate/Term | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053861 | 3158641691 | 37187014 | 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 (2026-08-12): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. Buyer Comment (2026-08-12): RD - Please see FEMA exception |
08/12/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | NM | Primary | Refinance - Rate/Term | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053861 | 3158641691 | 37187054 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall condition for missing MI Cert. | Reviewer Comment (2026-08-11): MI Cert received |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NM | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053861 | 3158641691 | 37187055 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall condition for missing MI Cert. | Reviewer Comment (2026-08-11): MI Cert received Buyer Comment (2026-08-11): Document uploaded |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Rate/Term | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053861 | 3158641691 | 37187056 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-08-14): Please provide a letter of attestation indicating fee purpose. We would prefer the letter come from the Title company but will accept the LOA form the lender as well. [Redacted] will re-review once LOA is received. Buyer Comment (2026-08-13): Do not Concur. The Title-Title certification fee is a third party title charge for the title company to certify the status of title. A title certification is a settlement/title service performed in connection with closing, and it's paid for the service itself at/around closing, not an advance payment covering a future time period. So, consistent with the CFPB's TRID structure, it belongs in Closing Cost Details .Title services (and related) / other settlement services, not in Prepaids. It is excluded from the finance charge, and therefore does not affect the APR. Reviewer Comment (2026-08-13): While we acknowledge that a one-time up front tax determination used in the decisions to extend credit would be excluded from finance charge under 1026.4(c)(7), any portion of a charge for life of loan tax service is considered a finance charge. Without documentation evidencing which portion is for life of loan vs. one time upfront, the entire amount is included in finance charges for testing purposes pursuant to Comment 19 (4)(c)(7)-3 which provides: For example, a fee for one or more determinations during the loan term of the current tax-lien status or flood-insurance requirements is a finance charge, regardless of whether the fee is imposed at closing, or when the service is performed. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to the initial decision to grant credit, the entire fee may be treated as a finance charge. If a one time fee, please provide an executed lender attestation confirming not life of loan fee but a one time upfront at closing fee for determination. Buyer Comment (2026-08-12): Do not Concur. [Redacted] is including the Title Certification fee as a prepaid and should not be. |
No | 3 | C | C | C | C | C | C | C | C | C | C | NM | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226053861 | 3158641691 | 37187057 | 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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for LnRate, Loan points,, Loan amount [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053861 | 3158641691 | 37217747 | 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 (2026-08-12): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |
08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NM | Primary | Refinance - Rate/Term | D | C | C | A | C | C | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053863 | 3158641695 | 37190205 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. 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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for Loan amount and loan points [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053863 | 3158641695 | 37190206 | 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 $0.00. $[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 (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for Loan amount and loan points [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053863 | 3158641695 | 37190236 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053863 | 3158641695 | 37196963 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | For securitization requirements, a secondary valuation review product is required, which supports the PIW valuation utilized for approval. | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053864 | 3158641696 | 37182160 | 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 (2026-08-11): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-11): [Redacted] - Please see attached BPO |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053864 | 3158641696 | 37182162 | 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 (2026-08-11): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. Buyer Comment (2026-08-11): [Redacted] - Please see BPO provided for FEMA exception |
08/11/2026 | No | 1 | D | A | B | A | D | A | C | A | D | A | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053864 | 3158641696 | 37182191 | 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 Points 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. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CICs for loan amount and loan points [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | ||||||||||
| 226053864 | 3158641696 | 37205090 | 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 AVM was provided. | Reviewer Comment (2026-08-11): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Rate/Term | D | B | C | A | C | A | D | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053866 | 3158641704 | 37184679 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Tangible Net Benefit Testing | Rhode Island Home Loan: Unable to determine if refinance of existing home loan consummated within the past sixty months was made without a tangible net benefit to the borrower due to missing prior loan information. | Unable to determine if the refinance of an existing home loan consummated within the past sixty months was made without a tangible net benefit to the borrower due to missing prior loan information. | Reviewer Comment (2026-08-13): benefit info received Buyer Comment (2026-08-13): Do not concur. Present and Proposed Housing comparison shows current refinance as beneficial in lowering monthly payment. Payoff statement of previous loan shows Interest Rate at [Redacted]% vs new loan Interest Rate of [Redacted]% also shows as current refinance as beneficial. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053866 | 3158641704 | 37184681 | 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 Zero Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of $[Redacted] exceeds the tolerance of $[Redacted]. $[Redacted] is over the legal limit. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not concur. Loan amount increase [Redacted] causing increase to Discount Points. Increase to Points was disclosed on LE dated [Redacted]. Loan Purpose changed from No Cash-Out to Cash-Out [Redacted] causing subsequent increase to Discount Points. Increase to Points was disclosed on CD dated [Redacted]. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053866 | 3158641704 | 37185170 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 1003 initial missing in file | Reviewer Comment (2026-08-12): initial 1003 received Buyer Comment (2026-08-12): Please see document ID [Redacted] - initial 1003 dated [Redacted] |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | RI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053867 | 3158641709 | 37182689 | 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 Points 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. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Initial Loan lock [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053868 | 3158641715 | 37180529 | 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 $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for property type change and loan points [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053868 | 3158641715 | 37180530 | 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 Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Processing Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-08-12): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-12): Do not Concur. Valid CIC for property type change [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053869 | 3158641725 | 37184484 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits 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. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC s for appraised value and loan points [Redacted] |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053869 | 3158641725 | 37184485 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points 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. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for loan amount [Redacted]. LE disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053872 | 3158641736 | 37182201 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053872 | 3158641736 | 37182272 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-09): Loan is to be securitized and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Rate/Term | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053872 | 3158641736 | 37182351 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for vesting change increased ten percents. The LEv5 disclosed timely. THEN the ten percents increased out of tolerance by [Redacted] cents and this was already cured at closing |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053873 | 3158641745 | 37193805 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Expiration change and valid CIC for loan points [Redacted]. CDv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053873 | 3158641745 | 37193807 | 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 $0.00. $[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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Expiration change and valid CIC for loan points [Redacted]. CDv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053873 | 3158641745 | 37194491 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053873 | 3158641745 | 37194496 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. | Reviewer Comment (2026-08-11): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | C | A | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053874 | 3158641748 | 37182583 | 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. | 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. (0) | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053875 | 3158641755 | 37183298 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC and complexity comments attached [Redacted]. LEv4 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053878 | 3158641771 | 37183072 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the QM Points/Fees failure. | Reviewer Comment (2026-08-13): undiscounted rate and rate price information received Buyer Comment (2026-08-13): Please see attached undiscounted rate |
08/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053878 | 3158641771 | 37183073 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-13): undiscounted rate and rate price information received Buyer Comment (2026-08-13): Please see attached undiscounted rate |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053878 | 3158641771 | 37183075 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance in the file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): initial LE did disclose appraisal fee properly Buyer Comment (2026-08-13): Do not Concur. The appraisal $[Redacted] was disclosed upfront on the initial LE |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053879 | 3158641780 | 37190006 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. CDv1 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053879 | 3158641780 | 37190007 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-10): Cured at closing or within 60 days of consummation prior to TPR review |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053880 | 3158641788 | 37182971 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for loan amount [Redacted]. CDv2 disclosed timely. Points actually decreased at closing |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053881 | 3158641795 | 37183750 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for points and fees. | Reviewer Comment (2026-08-13): undiscounted rate and rate price information received Buyer Comment (2026-08-13): Please see attached undiscounted rate |
08/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053881 | 3158641795 | 37183751 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-13): undiscounted rate and rate price information received Buyer Comment (2026-08-13): Please see attached undiscounted rate |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053881 | 3158641795 | 37183753 | 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CICs for appraised value and loan points [Redacted]. CDv1 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053881 | 3158641795 | 37183768 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-08-17): Desk Review received, with a value supporting the appraisal value Buyer Comment (2026-08-17): Please see attached CDA. |
08/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053882 | 3158641797 | 37184746 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-08-10): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting AVM was provided. |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053882 | 3158641797 | 37184749 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053886 | 3158641886 | 37194466 | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for loan amount [Redacted]. LEv4 disclosed timely. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053886 | 3158641886 | 37194467 | 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]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for loan amount [Redacted]. Transfer tax increased to $[Redacted]. LEv4 disclosed timely. Transfer taxes actually decreased at closing. No cure required. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053890 | 3158641944 | 37194572 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. [Redacted] received the appraisal/invoice [Redacted]. Same day valid CIC due to final inspection required. CDv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053891 | 3158641954 | 37196805 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the DTI issue. | Reviewer Comment (2026-08-12): property tax info verified, DTI now meets guideline requirements |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | LA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053891 | 3158641954 | 37196806 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | For the property located at [Redacted], the lender used a PITIA amount of $[Redacted], which is lower than the calculated PITIA of $[Redacted]. The difference appears to be in the amount of taxes used for the property. Fraud report reflects [Redacted] taxes of $[Redacted] which is what was used in review. | Reviewer Comment (2026-08-12): property tax info verified, DTI now meets guideline requirements |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053891 | 3158641954 | 37196811 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. [Redacted] received the appraisal/invoice [Redacted]. Valid CIC for required inspection. CDv1 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053891 | 3158641954 | 37196865 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | For the property located at [Redacted], the lender used a PITIA amount of $[Redacted], which is lower than the calculated PITIA of $[Redacted]. The difference appears to be in the amount of taxes used for the property. Fraud report reflects [Redacted] taxes of $[Redacted] which is what was used in review. | Reviewer Comment (2026-08-12): property tax info verified, DTI now meets guideline requirements |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053891 | 3158641954 | 37196866 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | For the property located at [Redacted], the lender used a PITIA amount of $[Redacted], which is lower than the calculated PITIA of $[Redacted]. The difference appears to be in the amount of taxes used for the property. Fraud report reflects [Redacted] taxes of $[Redacted] which is what was used in review. | Reviewer Comment (2026-08-12): property tax info verified, DTI now meets guideline requirements Buyer Comment (2026-08-12): actual tax bill on page [Redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226053891 | 3158641954 | 37196904 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to DTI issue. | Reviewer Comment (2026-08-12): property tax info verified, DTI now meets guideline requirements |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053892 | 3158641959 | 37179992 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | Subject transaction is purchase of second home. However, on the Final 1003 declaration section 5A, 'Will you occupy subject property as primary residence?' is marked as 'Yes'. Please provide an updated 1003. | Reviewer Comment (2026-08-13): explanation acceptable, closed as more restrictive 2nd home, and confirmation of home being primary at closing is acceptable Buyer Comment (2026-08-13): The customer, a [Redacted] employee, was working in [Redacted] and renting his residence there, with no home ownership. He was awaiting a transfer to the [Redacted] location, where he intended to purchase the subject property. Since the transfer had not been finalized at the time of loan structuring, the loan was designated as a secondary residence, and the customer was qualified to carry both the rent for his [Redacted] residence and the new property. At closing, the customer indicated on the 1003 that he would occupy the subject property as his primary residence; however, it was unclear whether the transfer to [Redacted] had been secured at that time. I contacted the [Redacted] who assisted the customer to confirm the initial intent, and he corroborated the details outlined above. Additionally, I verified the customer's current work location in the internal [Redacted] directory, which shows he is now based in [Redacted]. This suggests the transfer was completed and the customer is currently living and working in [Redacted]. Given that the loan was structured as a second home-a more restrictive classification-and the customer was transparent about his intentions from the outset, I do not believe it is necessary to request a revised 1003 from the customer post funding. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053892 | 3158641959 | 37183161 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CICs for Occupancy type and affordable credit change [Redacted] CDv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053892 | 3158641959 | 37183164 | 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for Occupancy type [Redacted]. CDv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053893 | 3158641971 | 37183709 | 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 (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CICs for appraised value, loan points, and Loan amount. Lev2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053893 | 3158641971 | 37197992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall condition for the points and fees issue. | Reviewer Comment (2026-08-13): undiscounted rate and rate price information received Buyer Comment (2026-08-13): Please see attached undiscounted rate |
08/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053893 | 3158641971 | 37197993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2026-08-13): undiscounted rate and rate price information received Buyer Comment (2026-08-13): Please see attached undiscounted rate |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053896 | 3158641990 | 37195142 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[Redacted] exceeds the tolerance of $0.00. This is $[Redacted] over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for [Redacted] receiving purchase contract that stated the borrower will pay the mansion tax. LEv3 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053898 | 3158642049 | 37182249 | 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 (2026-08-12): BPO received, showing no damage to the subject property. Buyer Comment (2026-08-12): [Redacted] - Please see attached BPO |
08/12/2026 | 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 | ||||||||||||
| 226053898 | 3158642049 | 37182314 | 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 (2026-08-12): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. Buyer Comment (2026-08-12): [Redacted] - Please see FEMA exception |
08/12/2026 | 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 | ||||||||||||
| 226053898 | 3158642049 | 37217692 | 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 (2026-08-12): Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting BPO was provided. |
08/12/2026 | 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 | |||||||||||
| 226053899 | 3158642055 | 37189132 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. LEv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053899 | 3158642055 | 37189133 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for loan amount [Redacted]. LEv3 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053901 | 3158642106 | 37185245 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-08-13): evidence of e-delivery of appraisal received Buyer Comment (2026-08-13): Do not Concur. Appraisal sent [Redacted] [Redacted] |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226053901 | 3158642106 | 37185247 | 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 Points Fee was last disclosed as $[Redacted] on Initial closing disclosure but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CICs for credit score and loan points [Redacted]. LEv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053901 | 3158642106 | 37185248 | 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 Initial closing disclosure but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee and the cure provided at closing ($[Redacted]) was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-08-13): Cured at closing or within 60 days of consummation prior to TPR review Buyer Comment (2026-08-13): Do not Concur. Transfer tax tolerance violation was already cured at closing |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053902 | 3158642110 | 37189970 | 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. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CICs for loan amount and loan points [Redacted]. Cdv2 disclosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226053902 | 3158642110 | 37189971 | 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 $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-08-13): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-08-13): Do not Concur. Valid CIC for vesting changes [Redacted]. Cdv3 discosed timely |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |