Exhibit 99.1 Schedule 3
| |
| Exception Grades |
| Run Date - 8/18/2026 8:58:23 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 |
| 223626601 | [Redacted] | [Redacted] | 33762536 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | 07/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | C | C | A | C | C | A | A | Non QM | Non QM | No | ||||||||||||
| 223626601 | [Redacted] | [Redacted] | 33762561 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | 07/02/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | C | C | A | C | C | A | A | Non QM | Non QM | No | ||||||||||||
| 223626601 | [Redacted] | [Redacted] | 33762566 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | 07/07/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | C | C | A | C | C | A | A | Non QM | Non QM | No | ||||||||||||
| 223626601 | [Redacted] | [Redacted] | 33848526 | 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). | 07/18/2025 | No | 2 | B | B | B | B | B | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| 223626601 | [Redacted] | [Redacted] | 33848558 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. | 07/18/2025 | No | 1 | A | A | A | A | A | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| 223626601 | [Redacted] | [Redacted] | 33848559 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | 07/18/2025 | No | 1 | A | A | A | A | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| 223626601 | [Redacted] | [Redacted] | 33979669 | 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). | 07/18/2025 | No | 2 | B | B | B | B | B | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| 223626601 | [Redacted] | [Redacted] | 34234530 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | Reviewer Comment (2026-08-17): Client accepts EV3. |
No | 3 | C | C | C | C | C | IL | Primary | Purchase | C | C | C | A | C | C | A | A | Non QM | Non QM | No | |||||||||||||||||
| 224387936 | [Redacted] | [Redacted] | 34941003 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception at origination to permit DSCR [redacted] - [redacted]% LTV with I/O using market rents to qualify. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2025-11-11): Client elects to waive with compensating factors. |
11/11/2025 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 224387936 | [Redacted] | [Redacted] | 34955697 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The primary borrower signed the Security instrument on [redacted], however the closing statement reflects the disbursement date was [redacted]. Please provide the correct disbursement date. | Reviewer Comment (2025-11-18): Received Memo in the file. Exception Cleared. Buyer Comment (2025-11-14): Memo |
11/18/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 224732260 | [Redacted] | [Redacted] | 35306046 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject appraisal does not identify if value is "as-is" or "subject to". | - | "Subject to" or "as is" not provided on valuation. It appears the appraisal may have been cut off at the bottom. | Reviewer Comment (2025-12-24): Received complete appraisal. Cleared. Seller Comment (2025-12-24): Stip added |
12/24/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 224943147 | [Redacted] | [Redacted] | 35606144 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing Certificate of Good Standing dated within [redacted] days of the note date ([redacted]). The document provided is dated [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-05-01): Lender Exception with Compensating Factors provided. Buyer Comment (2026-04-29): Please see Exception Approval Reviewer Comment (2026-01-23): Reviewed trailing documents, however the CoGS dated within [redacted]days prior to the note date was not located or illegible. Buyer Comment (2026-01-23): The Good standing letter was received within [redacted]days. |
05/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 224943147 | [Redacted] | [Redacted] | 35609632 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The name of the borrowing entity is misspelled on all lender documents. Per articles of organization, the entity is [redacted]. The entity on the documents is [redacted]. | Reviewer Comment (2026-05-18): Document provided Buyer Comment (2026-05-14): Please see [redacted] Affidavit to correct Business Entity name on Mortgage and riders and new signed Note with accurate Business Entity name. Reviewer Comment (2026-01-28): Note document reflect entity name as [redacted] and all other entity document reflects[redacted]. Require all business entity document as per note business entity[redacted]. Exception Remains. Buyer Comment (2026-01-27): Please confirm what docs need correcting |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 224943147 | [Redacted] | [Redacted] | 35610224 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Transaction appears to be a technical refinance (property is owned less than [redacted] months), however the file is missing the original final closing statement from the purchase of the property and the source of funds to purchase it. | Reviewer Comment (2026-03-20): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-03-18): This is a c/o refinance, not a technical refi. The borrower has owned the property for more than [redacted]months, however quit claimed the property to his LLC, (the same entity that the loan closed in) in [redacted]. This is a transfer of the same person as the borrower is the sole member of [redacted], therefore original closing statement is not applicable (please see Chain of Title along with Title commitment). |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225102606 | [Redacted] | [Redacted] | 35811176 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance shortfall by $[redacted]. Replacement Cost Estimator is required. | Reviewer Comment (2026-06-11): Hazard with sufficient coverage, cleared Buyer Comment (2026-06-11): Received new policy from insurance company showing sufficient coverage, please see attached. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225102606 | [Redacted] | [Redacted] | 35811215 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is provided at origination for less than [redacted] months previous landlord experience & unable to document private mortgage payment history with cancelled checks or bank statements. Borrower receives cash from the subject property tenant and takes the cash payment directly to his private mortgage lienholder to make the monthly mortgage payments. UW requested a VOM from the private mortgage lien holder to confirm [redacted] since loan inception after acquiring the property in [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-18): Lender Exception with Compensating Factors provided. |
02/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225114376 | [Redacted] | [Redacted] | 35825044 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Required recent [redacted] months bank statements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-04): Lender Exception with Comp factors [redacted] Guidelines only require [redacted]month of assets statement vs [redacted]months Financial Institution: [redacted]// Account type: savings/account number: [redacted] Financial type: savings/account number : [redacted] Financial Institution : [redacted]// Account Type: Checking/Account Number:[redacted] Reviewer Comment (2026-02-27): Lender Exception with Compensating Factors provided. Buyer Comment (2026-02-25): Exception |
02/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||
| 225114376 | [Redacted] | [Redacted] | 35829066 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing from the file. | Reviewer Comment (2026-02-25): Guarantor Agreement received and verified the details. Exception Cleared. Buyer Comment (2026-02-23): Agreement |
02/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225114376 | [Redacted] | [Redacted] | 35934808 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception [redacted] Guidelines only require [redacted] month of assets statement vs [redacted] months Financial Institution: [redacted] // Account type: savings/account number: [redacted] Financial type: savings/account number : [redacted] Financial Institution : [redacted] // Account Type: Checking/Account Number: [redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-27): Lender Exception with Compensating Factors provided. |
02/27/2026 | Yes | 2 | B | B | B | B | B | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||||
| 225199650 | [Redacted] | [Redacted] | 35961110 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was last disclosed as $[redacted] on LE dated [redacted] but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-05-22): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-21): Please see attached. Reviewer Comment (2026-05-13): [redacted]Received Corrected PCCD, LOE and Proof of Mailing; however, copy of check not received. Provide Copy of check. Buyer Comment (2026-05-12): Please see attached. Reviewer Comment (2026-04-30): [redacted]received valid rebuttal comment. Exception will reevaluate once received refund cure with cure documents. Additionally, the remediation documentation must be provided within [redacted]days of discovery date of [redacted]. It has been [redacted]days since discovery. Cure documents were mailed to borrower within [redacted]days of discovery is required to cure. Without documentation, exception will remain in an open, unable to clear status until the SOL expires Buyer Comment (2026-04-29): Loan Amount increase from $[redacted]to $[redacted]on[redacted] LE causing transfer taxes to increase to $[redacted]. Provide LE & COC $[redacted]- $[redacted]= $[redacted] $[redacted]cured at Final CD cover the increase in Transfer tax. Credit report increase in valid and we need to cure that amount. |
05/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225199650 | [Redacted] | [Redacted] | 35961111 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 LE dated [redacted] but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-05-01): Cured at closing or within [redacted]days of consummation prior to [redacted] Buyer Comment (2026-04-30): Please see attached COC Reason Reviewer Comment (2026-04-30): [redacted]received valid rebuttal comment. But, provided COC does not reflect the loan amount changed and only states Rate locked and settlement charge. Provide updated COC as per the rebuttal comment below in order to reevaluate and re-baseline this exception. Additionally, the remediation documentation must be provided within [redacted] days of discovery date of [redacted]. It has been [redacted]days since discovery. Cure documents were mailed to borrower within [redacted]days of discovery is required to cure. Without documentation, exception will remain in an open, unable to clear status until the SOL expires Buyer Comment (2026-04-29): Loan Amount increase from $[redacted]to $[redacted]on[redacted] LE causing transfer taxes to increase to $[redacted]. Provide LE & COC $[redacted]- $[redacted]= $[redacted] $[redacted]cured at Final CD cover the increase in Transfer tax. Credit report increase in valid and we need to cure that amount. |
05/01/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225199650 | [Redacted] | [Redacted] | 35967895 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flag on fraud report was not cleared. | Reviewer Comment (2026-03-30): Received updated fraud report. Exception cleared Buyer Comment (2026-03-27): Please see final fraud that shows all alerts cleared. Please clear condition. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971521 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-03-30): received documentation confirming employment authorization approval, exception cleared. Buyer Comment (2026-03-26): Please see attached docs for the clients residency |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971724 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]D/[redacted]was not provided. | - | Reviewer Comment (2026-04-16): Original appraisal was initially marked subject to repairs. Appraiser subsequently issued a revised appraisal revisiting the original report and changed the condition to "As Is," confirming the noted siding repair is minor and not a health or safety issue. As there are no remaining appraisal conditions, a 1004D is not required. Exception Cleared. Buyer Comment (2026-04-14): Please see attached. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971725 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Reviewer Comment (2026-05-13): Received updated 1008 and 1003. DTI is matching and within the tolerance. Exception cleared. Reviewer Comment (2026-05-04): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-05-04): The discrepancy is due to lender calculated income considering bank statements till [redacted], [redacted] bank statements are available. Considering [redacted] bank statement, the calculated income $[redacted]which less than the lender considered income of $[redacted]. Guideline requires income to be calculated using most recent [redacted]months bank statement, exception remains. Buyer Comment (2026-04-30): Please review the income worksheet. If you are able to match this income, then our DTI will be inline. Reviewer Comment (2026-04-16): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971770 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Please provide the discharge or satisfaction copy for judgment case # [redacted] [redacted], [redacted], [redacted], [redacted], [redacted] and [redacted]. | Reviewer Comment (2026-04-23): Judgement affidavit received for all lien, Exception cleared. Buyer Comment (2026-04-22): Please see attached. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971786 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-03-30): Rate lock received. Buyer Comment (2026-03-26): Please see attached. |
03/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971788 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification of non- [redacted] citizen status is missing. | Reviewer Comment (2026-05-13): Received updated 1008 and 1003. DTI is matching and within the tolerance. Exception cleared. |
05/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225209375 | [Redacted] | [Redacted] | 35971789 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Verification of non- [redacted] citizen status is missing. | Reviewer Comment (2026-05-13): Received updated 1008 and 1003. DTI is matching and within the tolerance. Exception cleared. Buyer Comment (2026-05-11): See updated 1008 and 1003 correcting income. DTI matched at [redacted]- Will also provide an updated BID tape this week. Reviewer Comment (2026-05-04): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-03-30): This exception is for DTI discrepancy. The discrepancy seems to be due to lender calculated income considering bank statements till[redacted],[redacted] bank statements are available. Considering[redacted] bank statement, the calculated income $[redacted]which less than the lender considered income of $[redacted]. Buyer Comment (2026-03-26): Please see attached |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971791 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Buyer Comment (2026-05-13): Please waive condition. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225209375 | [Redacted] | [Redacted] | 35971792 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-05-04): Client elects to waive. Buyer Comment (2026-04-30): The difference is less than .[redacted]%. Please waive condition. Reviewer Comment (2026-04-16): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |
05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225210119 | [Redacted] | [Redacted] | 35975461 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is Missing. | Reviewer Comment (2026-04-03): Final 1003 associated. Exception cleared. Buyer Comment (2026-04-01): Please see attached. |
04/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225210119 | [Redacted] | [Redacted] | 35975518 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee increased without a valid change in circumstance. Cure was not provided at closing. | Reviewer Comment (2026-05-26): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-22): Please see attached. Reviewer Comment (2026-04-29): [redacted]received copy of initial LE which was already in file but COC is dated [redacted] and fee was increased to $[redacted]on CD dated [redacted]. The CD is not within [redacted]business days from the date of change provided VCC cannot re-baseline the fee. Additionally, the increase in fee due to rush but the reason provided is not sufficient. Please provide additional information and documentation to support a valid changed circumstance to add the RUSH appraisal fee to the appraisal total. Invalid increases due to addition of appraisal rush fees was addressed on page [redacted]of the [redacted]Supervisory Highlight found here: https://files.consumerfinance.gov/f/documents/cfpb_supervisory-highlights_issue-[redacted].pdf. If there is a valid changed circumstance such as new information not previously known to the creditor for the increase in appraisal fee, please provide documentation to support and when creditor became aware of new information. When was it determined that appraisal would need rushed and why. Otherwise, cure is required for both the increase in appraisal fee due to appraisal rush fee. Cure documents includes Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Buyer Comment (2026-04-28): Please see attached loan estimate. This should clear the condition. Reviewer Comment (2026-04-17): [redacted]received rebuttal and COC, however no LE/CD provided within [redacted]days of change. Aso, we require additional information why the appraisal fee increased. Please provide valid COC with sufficient information along with LE/CD within [redacted] days of change. Buyer Comment (2026-04-16): The verbiage for the rush fee was incorrect. But the fee for the increase was valid. Please review. Thank you. Reviewer Comment (2026-04-16): [redacted]received a COC dated [redacted] However, only the initial LE dated[redacted] is available in the loan file, and there is no LE or CD issued within the required [redacted]business day timeline to support the COC dated[redacted]. Additionally, the provided COC does not contain sufficient information explaining the reason for the rush request to increase the appraisal fee. Please provide the missing LE/CD to associate with the COC dated [redacted], along with additional details justifying the rush appraisal request, to clear this exception. Buyer Comment (2026-04-15): Please see attached COC reason for the appraisal fee increase. |
05/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225210119 | [Redacted] | [Redacted] | 35975590 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing for REO [redacted]. | Reviewer Comment (2026-04-03): Lease agreement received & associated. Exception cleared. Buyer Comment (2026-04-01): Please see attached. |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225210119 | [Redacted] | [Redacted] | 35975594 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to missing lease agreement required to verify rental income. | Reviewer Comment (2026-04-03): Lease agreement received & associated. Exception cleared. |
04/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225210119 | [Redacted] | [Redacted] | 35975595 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable [redacted]-party records. | Loan designation discrepancy due to missing lease agreement required to verify rental income. | Reviewer Comment (2026-04-03): Lease agreement received & associated. Exception cleared. |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225210119 | [Redacted] | [Redacted] | 35975600 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan designation discrepancy due to missing lease agreement required to verify rental income. | Reviewer Comment (2026-04-03): Lease agreement received & associated. Exception cleared. |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225212529 | [Redacted] | [Redacted] | 35986695 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in the file. | Reviewer Comment (2026-03-31): Received Business Purpose Certificate. Exception cleared. Buyer Comment (2026-03-27): Please see attached. |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225212529 | [Redacted] | [Redacted] | 35986706 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The Closing Statement, Security Instrument, and Title Commitment reflect the borrower as a business entity, the [redacted] is not reflected in the [redacted] box of the note. A corrected Note reflecting the proper vesting is required. | Reviewer Comment (2026-07-10): Received signed note as required. Exception cleared. Buyer Comment (2026-07-08): Please see attached. |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225212529 | [Redacted] | [Redacted] | 35986753 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The Closing Statement, Security Instrument ([redacted]st page), and Title Commitment reflect the borrower as a business entity, the [redacted] is not reflected in the [redacted] box of the Security Instrument. A corrected Security Instrument reflecting the proper vesting is required. | Reviewer Comment (2026-07-10): Received signed security instrument as required. Exception cleared. Buyer Comment (2026-07-08): Please see attached |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MO | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225212529 | [Redacted] | [Redacted] | 36013927 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The loan file is missing a [redacted] worksheet. | Reviewer Comment (2026-03-31): Received DSCR Worksheet. Exception cleared. Buyer Comment (2026-03-27): Please see attached. |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225212529 | [Redacted] | [Redacted] | 36013951 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | The loan file is missing an OFAC for the business entity. | Reviewer Comment (2026-03-31): Received OFAC search result for the borrowing business entity. Exception cleared. Buyer Comment (2026-03-27): Please see attached. |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225238374 | [Redacted] | [Redacted] | 36030447 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided E-sign consent agreement. | Reviewer Comment (2026-04-08): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-04-07): Please see attached. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225238374 | [Redacted] | [Redacted] | 36030449 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | The date is not provided on the CPA document for the business. | Reviewer Comment (2026-05-22): Alternate documentation from SOS is located in the file. Reviewer Comment (2026-05-22): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Borrower: [redacted] // Employment Type: Employment / Income Type: [redacted] / Start Date: [redacted]/ Document: CPA Letter / Document Date: <empty> / Tax Year: <empty>, Borrower: [redacted] // Employment Type: Employment / Income Type: [redacted] / Start Date: [redacted] // Document: CPA Letter / Document Date: <empty> / Tax Year: <empty>, Borrower: [redacted] // Employment Type: Employment / Income Type: [redacted]s / Start Date:[redacted] // Document: CPA Letter / Document Date: <empty> / Tax Year: <empty>, Borrower: [redacted] // Employment Type: Employment / Income Type: [redacted] / Start Date: [redacted] // Document: CPA Letter / Document Date: <empty> / Tax Year: <empty> Buyer Comment (2026-05-20): Please re-designate to Safe Harbor QM Reviewer Comment (2026-05-15): Required dated CPA letter to clear this condition. Exception remains. Buyer Comment (2026-05-13): Could you please redesginate this loan as QM. Please advise. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225238374 | [Redacted] | [Redacted] | 36030460 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to missing date on provided CPA document. | Reviewer Comment (2026-05-22): Client redesignated to Safe Harbor QM |
05/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225238374 | [Redacted] | [Redacted] | 36030461 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing date on provided CPA document. | Reviewer Comment (2026-05-22): Client redesignated to Safe Harbor QM Reviewer Comment (2026-05-18): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225238374 | [Redacted] | [Redacted] | 36030462 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-05-22): Client redesignated to Safe Harbor QM |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225238374 | [Redacted] | [Redacted] | 36030463 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-05-22): Client redesignated to Safe Harbor QM |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225238374 | [Redacted] | [Redacted] | 36030464 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to missing date on provided CPA document. | Reviewer Comment (2026-05-22): Client redesignated to Safe Harbor QM |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225238374 | [Redacted] | [Redacted] | 36030468 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The date was not provided on the CPA document for the business. | Reviewer Comment (2026-05-22): Client redesignated to Safe Harbor QM |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225238374 | [Redacted] | [Redacted] | 36562159 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of[redacted] QM (APOR) matches the Due Diligence Loan Designation of [redacted] QM (APOR). | Client redesignated to [redacted] QM | Buyer Comment (2026-05-27): Please waive. Reviewer Comment (2026-05-26): Unable to clear. The exception is for information purpose to idenity the redesignation of the loan. Buyer Comment (2026-05-22): Please clear condition. |
05/27/2026 | No | 2 | A | B | B | B | A | AZ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225245060 | [Redacted] | [Redacted] | 36039348 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. [redacted]. | Reviewer Comment (2026-07-02): Received the executed Note and Guarantor Agreement signed by the Guarantor. Exception cleared. Buyer Comment (2026-07-01): Please see attached. Reviewer Comment (2026-06-02): Cleared in error. Even with the guarantor agreement, the member signed the note as an individual. The note would need to be signed as guarantor. Buyer Comment (2026-05-29): Please see attached personal gur. This should suffice to get the PPP condition cleared. Reviewer Comment (2026-04-17): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. Reviewer Comment (2026-04-15): Exception was escalated: Please refer to external Compliance Bulletin [redacted]on [redacted]website regarding our testing for [redacted]prepays. This Bulletin can be shared (and should have already been distributed at the time of issuance) to the client. In short, only business purpose loans made to corporations will qualify for the exemption. On business purposes loans made to a business entity other than a corporation (such as an LLC) an exception will be cited as an [redacted] The Bulletin explains the reasoning in further detail. Citing is an [redacted]and may be waived by lender. Buyer Comment (2026-04-15): Please waive condition. Reviewer Comment (2026-04-15): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail:[redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted]. Buyer Comment (2026-04-13): Please see attached business purpose cert to downgrade to EV2. Once the downgrade, could you please waive condition. Reviewer Comment (2026-03-31): Reviewed trailing docs provided, however it appears the entire file was re-uploaded. It is unclear what lender is providing for this exception. Buyer Comment (2026-03-27): Please see attached. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | A | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 225250453 | [Redacted] | [Redacted] | 36046857 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved. Non-warrantable condo due to outstanding critical. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The representative FICO score is above [redacted]. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-03-16): Client elects to waive with compensating factors. |
03/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225250453 | [Redacted] | [Redacted] | 36046933 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-28): [redacted]received Post CD and LOX. Buyer Comment (2026-05-27): Please see attached. Reviewer Comment (2026-05-22): [redacted]Received PCCD dated [redacted] is already present in file and no new PCCD received showing Attorney review fee under section [redacted]. Provide corrected PCCD showing Attorney review fee under section [redacted]. Buyer Comment (2026-05-21): Please see attached. Reviewer Comment (2026-05-20): [redacted]received LOE stating Attorney fee uploaded in sec H, however no PCCD provided. Please provide PCCD to re-evaluate the exception. Buyer Comment (2026-05-19): Please see correct PCCD LOX Reviewer Comment (2026-05-12): [redacted]received the Corrected CD and LOE to borrower. However, the fee in question did not move sections and remained in section [redacted], Attorney's Fees-Borrower's and section [redacted] reflects a Post Close cure of $[redacted]. Additionally the LOE provided states lender is providing a refund. [redacted]was not provided a copy of the cure refund or proof of mailing for this cure. If there was a different change in Sections on a PCCD and a LOE to borrower, [redacted]has not yet received. It should be noted, that any revised PCCD's moving fees or changing fee amounts must match to the Final Settlement Statement in file also. If lender is finalizing a cure, they should provide the missing check and proof of mailing as soon as possible as there is [redacted]days remaining to cure within the discovery period. Reviewer Comment (2026-05-04): [redacted]received a PCCD reflecting a refund cure of $[redacted]in the inner column of section [redacted]. The provided LOX also states that a $[redacted]refund was issued for the attorney's fee listed in section [redacted] on page [redacted]. However, a copy of the refund check and proof of mailing were not located in the loan file. A copy of the refund check and proof of mailing are required to complete remediation. Buyer Comment (2026-04-30): There was no check. No refund was issued. The fee was just moved to the correct place and the clerical ONLY pccd and lox were completed. This should clear the condition. Reviewer Comment (2026-04-30): [redacted]received Post CD and LOX. However, we would also require Copy of refund check and proof of mailing in order cure the exception. Buyer Comment (2026-04-28): Please see attached PCCD and LOX which should clear condition. Reviewer Comment (2026-04-17): [redacted]As per rebuttal comment, if fee is a third-party fee, then provide corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-04-16): Move to section [redacted]. The attorney fee was not present on the title CD either. This was a borrower shopped for fee that was not required per [redacted]. |
05/28/2026 | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225250453 | [Redacted] | [Redacted] | 36073630 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-05-04): Rental history required at underwriter's discretion as per guidelines, exception cleared Buyer Comment (2026-04-30): Please see attached. |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225250659 | [Redacted] | [Redacted] | 36048886 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | No HUD/CD is available for subject property "[redacted]" | Reviewer Comment (2026-05-18): Received evidence the addresses are the same. Condition cleared. Reviewer Comment (2026-03-26): Recent settlement statement received is not for the subject property. Exception remains Buyer Comment (2026-03-25): Final ALTA |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225250659 | [Redacted] | [Redacted] | 36048975 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Lender exception for subject property is non-warrantable condo as property is new construction without PERS and lack of reserve funding. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-17): Client elects to waive with compensating factors. |
03/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 225257794 | [Redacted] | [Redacted] | 36055046 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-13): Received [redacted]Rate Lock document, Exception Cleared. Buyer Comment (2026-04-10): Please see attached. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | MO | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225257794 | [Redacted] | [Redacted] | 36055164 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Due diligence DTI of [redacted]% differs from lender qualifying DTI of [redacted]% due to Lender utilizing a lower Negative cash flow and a higher other monthly payment than reflected in source document. Bid Tape DTI of [redacted]% . UPDATE: DTI matches lenders, however not bit tape. |
Reviewer Comment (2026-06-30): Bid tape has been updated based on the income documents available in the file. Exception cleared. Buyer Comment (2026-06-29): The data compare now matches. Please clear condition. Reviewer Comment (2026-06-22): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-06-17): Reviewed the 1008 provided and lenders rebuttal. The way the expenses are calculated are as follows Borrowers income $[redacted]. Positive rent $[redacted]= $[redacted]. Residence PITI $[redacted]. Subject $[redacted]. [redacted] $[redacted]. Remaining credit debt $[redacted]. = $[redacted]. DTI remains at [redacted]%. Buyer Comment (2026-06-15): Please see the revised 1008 dated [redacted]- The [redacted] rental properties ([redacted] and [redacted]) should be netted out and not have the two positives as income and the [redacted] negative a s debt. The net rental income/debt would be a negative of $[redacted]and the income is reduced to $[redacted]giving a DTI of [redacted]which was approx. where it was when originally submitted. Buyer Comment (2026-06-15): Updated 1008 -[redacted] Reviewer Comment (2026-06-15): Reviewed lenders rebuttal and corrected the mortgages on the Vancouver property. With adding the 1st mortgage, the DTI is now at [redacted]%. Subject property $[redacted]. [redacted] net rental $[redacted]. [redacted] net rental $[redacted]. Primary $[redacted].[redacted] $[redacted](no rents used) Total Income $[redacted]. Total debt: Primary PITI $[redacted]. Neg Cash flow (Subject and [redacted]$[redacted]and open debt $[redacted]= $[redacted]. Reviewer Comment (2026-06-15): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-06-12): Also, for the [redacted] property you used the HELOC payment but didn't include the [redacted]mortgage? Loan was submitted with DTI at [redacted]as indicated in exception but then reduced to [redacted]([redacted]) which appears due to not including the [redacted]on [redacted]? Buyer Comment (2026-06-11): Please see attached 1008. [redacted]is still showing the "other" expense as $[redacted]which is including the $[redacted]for [redacted] and should not. Your income is too high by that same $[redacted]because you have not netted out the REO for the [redacted] and [redacted] properties with the [redacted]. Net REO for those [redacted] properties should be $[redacted]and total income should be $[redacted]and total debt $[redacted]for a DTI of [redacted]- see included 1008 and refer to prior breakdown of income/debt which also provided this detail. Buyer Comment (2026-06-11): updated 1008 Reviewer Comment (2026-06-11): [redacted] -$[redacted] [redacted] $[redacted] [redacted] $[redacted] [redacted] -$[redacted] [redacted] [redacted] -$[redacted] Total income $[redacted]with DTI [redacted]% CLient [redacted]shows total income $[redacted]with DTI of [redacted]% Other debt is $[redacted] Buyer Comment (2026-06-09): Thank you for providing those figures. You are showing "other" debt of $[redacted]but that should only be the subject property loss of $[redacted]but you have also added the [redacted]st property loss to that. The [redacted]St property should be netted out with the other two investment properties so that the REO net of positive $[redacted] and a total debt of $[redacted]and a total income of $[redacted]for a DTI of [redacted]% Reviewer Comment (2026-06-09): [redacted] -$[redacted] [redacted] $[redacted] [redacted] $[redacted] [redacted] -$[redacted] [redacted] [redacted] -$[redacted] Buyer Comment (2026-06-05): Please review the income attached. Could you also send over your calculations if you do not agree Reviewer Comment (2026-05-15): Received 1008 reflects positive rental income of $[redacted]with a corresponding DTI of [redacted]%. However, recalculated eligible rental income is $[redacted], resulting in a revised DTI of [redacted]%. The current 1008 does not align with calculated income figures. Request updated 1008 reflecting accurate rental income and DTI. Exception Remains. Buyer Comment (2026-05-13): Please see attached. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225257837 | [Redacted] | [Redacted] | 36055518 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Reviewer Comment (2026-04-29): Received updated hazard insurance policy. Exception cleared. Buyer Comment (2026-04-28): renewal policy upld |
04/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225257837 | [Redacted] | [Redacted] | 36055594 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]. | Reviewer Comment (2026-05-19): [redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-05-19): rtc docs with proof of deivery upld Reviewer Comment (2026-05-04): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Buyer Comment (2026-05-01): pccd docs upld Reviewer Comment (2026-04-06): Finance Charge violation is $[redacted]. This is related to the Tax Return Verification fee $[redacted]and the [redacted] Report of [redacted]. Fee tolerance cure at closing only cured a portion of the Tax Return Verification that was over tolerance of $[redacted]so only $[redacted]can be utilized towards the total $[redacted] finance charge violation. The credit report fee tolerance violation accounted for the other portion of that fee tolerance cure of $[redacted]. Finance charge violation is separate from a fee tolerance violation and only the portion cured of the finance charge fee violation can be utilized towards the finance charge cure. This would remain $[redacted] finance charge cure. $[redacted]finance charge violation - $[redacted]Tax Return Verif fee tolerance cure. Cure with Corrected CD, LOE to borrower, copy of cure refund of $[redacted], proof of mailing and proof of reopening of rescission to all consumers to finalize. Buyer Comment (2026-04-03): the $[redacted]was included in the $[redacted]lender credit issued at closing, please confirm the remaining cuure needed will be $[redacted]. Reviewer Comment (2026-04-01): Upfront one-time determination Tax Cert is excluded, however life of loan tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for life of loan tax service as applicable. Buyer Comment (2026-03-31): please remove the $[redacted]loan tie-in fee and $[redacted]verification of tax return fee from your finance charge calculation. They are both one-time fees and not life of loan. Also the $[redacted]is not a tie-in fee, it's for the loan safe report. |
05/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225257837 | [Redacted] | [Redacted] | 36055595 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | 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 (fee amounts included in Finance Charge calculation 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]. | Reviewer Comment (2026-05-19): [redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-05-19): rtc docs with proof of deivery upld to trl docs Reviewer Comment (2026-05-04): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Buyer Comment (2026-05-01): pccd docs upld to trl docs Reviewer Comment (2026-04-06): Finance Charge violation is $[redacted]. This is related to the Tax Return Verification fee $[redacted]and the [redacted] Report of [redacted]. Fee tolerance cure at closing only cured a portion of the Tax Return Verification that was over tolerance of $[redacted]so only $[redacted]can be utilized towards the total $[redacted]finance charge violation. The credit report fee tolerance violation accounted for the other portion of that fee tolerance cure of $[redacted]. Finance charge violation is separate from a fee tolerance violation and only the portion cured of the finance charge fee violation can be utilized towards the finance charge cure. This would remain $[redacted]finance charge cure. $[redacted]finance charge violation - $[redacted]Tax Return Verif fee tolerance cure. Cure with Corrected CD, LOE to borrower, copy of cure refund of $[redacted], proof of mailing and proof of reopening of rescission to all consumers to finalize. Buyer Comment (2026-04-03): the $[redacted]was included in the $[redacted]lender credit issued at closing, please confirm the remaining cuure needed will be $[redacted]. Reviewer Comment (2026-04-01): Upfront one-time determination Tax Cert is excluded, however life of loan tax service is included as a finance charge. Please provide invoice or other documentary evidence to determine which portion is for upfront determination and which portion is for life of loan tax service as applicable. Buyer Comment (2026-03-31): please remove the $[redacted]loan tie-in fee and $[redacted]verification of tax return fee from your finance charge calculation. They are both one-time fees and not life of loan. Also the $[redacted]is not a tie-in fee, it's for the loan safe report. |
05/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225257837 | [Redacted] | [Redacted] | 36055609 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225257837 | [Redacted] | [Redacted] | 36055624 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-13): Sufficient Cure Provided At Closing |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225257837 | [Redacted] | [Redacted] | 36075797 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-04-02): Received rate lock document. Exception cleared. Buyer Comment (2026-03-31): lock upld |
04/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225258168 | [Redacted] | [Redacted] | 36063722 | Compliance | Compliance | Federal Compliance | Federal HPML | [redacted] HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Undiscounted rate and Undiscounted pricing updated as per Compliance report in file. | Reviewer Comment (2026-06-04): Received appraisal notice for the evidence of appraisal delivery. Exception cleared. Buyer Comment (2026-06-02): Please see attached. Reviewer Comment (2026-05-29): Exception remains. the appraisals we have reflect these dates,The receipt delivery reflects [redacted] which is prior to the report date. Please provide Doc # of revision done on[redacted] Buyer Comment (2026-05-27): Please be advised. The appraisal had corrections done which is whey there are [redacted]different dates. The inital appraisal (which has been uploaded to you) was completed and provided to us with SSRs on [redacted] there was a revision done on[redacted], which is also an appraisal that was uploaded to you all. Please review both. This issue should be cleared. Reviewer Comment (2026-05-22): Received dupplicate appraisal report dated [redacted]. The receipt delivery reflects [redacted] which is prior to the report date. Buyer Comment (2026-05-21): Please see attached appraisal. This should clear the final condition. Reviewer Comment (2026-05-01): The appraisal rule applies to the report date instead of the effective date. Buyer Comment (2026-04-29): Please review the effective date of the appraisal. Once the appraisal was received by us, which was [redacted] it was sent to the borrower. Please clear condition. Reviewer Comment (2026-04-16): The appraisal report date is [redacted] however the download date on the receipt for delivery is [redacted]. Buyer Comment (2026-04-14): Please see attached. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225258168 | [Redacted] | [Redacted] | 36063723 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification of appraisal was delivered to borrower not provided in file. | Reviewer Comment (2026-06-04): Received appraisal notice for the evidence of appraisal delivery. Exception cleared. Buyer Comment (2026-06-02): [redacted], please clear. Reviewer Comment (2026-05-22): Received dupplicate appraisal report dated [redacted]. The receipt delivery reflects [redacted] which is prior to the report date. Buyer Comment (2026-05-21): [redacted]. Please clear. Reviewer Comment (2026-05-01): The appraisal rule applies to the report date instead of the effective date. Buyer Comment (2026-04-29): Please review the effective date of the appraisal. Once the appraisal was received by us, which was [redacted] it was sent to the borrower. Please clear condition. Reviewer Comment (2026-04-16): The appraisal report date is [redacted] however the download date on the receipt for delivery is[redacted]. Buyer Comment (2026-04-14): Please see attached. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225258361 | [Redacted] | [Redacted] | 36065605 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Due diligence review DTI is [redacted]% however the lender bid tape [redacted]%. | Reviewer Comment (2026-05-14): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Buyer Comment (2026-05-12): Please see attached. |
06/12/2026 | 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 | Non QM | Non QM | No | ||||||||||
| 225258361 | [Redacted] | [Redacted] | 36065630 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document is not provided in file | Reviewer Comment (2026-04-22): Received [redacted]rate lock. Exception cleared. Buyer Comment (2026-04-20): Please see attached. |
04/22/2026 | 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 | Non QM | Non QM | No | ||||||||||
| 225258361 | [Redacted] | [Redacted] | 36065634 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower within [redacted] business days of application. | Reviewer Comment (2026-04-21): [redacted]received earliest e-consent. Buyer Comment (2026-04-20): The initial disclosures were sent out to the client on[redacted] which is the date of the application. Please review and clear condition. |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225258361 | [Redacted] | [Redacted] | 36065636 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee. Fee increased from $[redacted] to $[redacted] without a valid change of circumstance or cure | Reviewer Comment (2026-06-12): [redacted]received VCC. Buyer Comment (2026-06-12): Rebuttal - please cancel condition Reviewer Comment (2026-06-12): . Reviewer Comment (2026-06-09): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Exception remains in unable to cure status as remediation documents were not provided within [redacted]days of discovery. Buyer Comment (2026-06-06): Could you please tell me what is needed on this loan? All items were provided. Please advise. Reviewer Comment (2026-06-04): TRID Grid [redacted], Additional Considerations, Row [redacted], states: A recent CFPB Supervisory Highlight (see Appendix section) emphasizes increased scrutiny regarding the sufficiency of Change of Circumstance (COC) documentation. When a lender issues a revised Loan Estimate reflecting an increase in fees subject to tolerance, adequate COC documentation is required to rebaseline those fee amounts. The regulation requires that "the creditor must be able to demonstrate compliance with § [redacted](e) by documenting the original estimate of the cost at issue, explaining the reason for the revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the revision actually increased the cost, and confirming that the timing requirements of § [redacted](e)([redacted]) were satisfied." Buyer Comment (2026-06-04): Rebuttal - please cancel condition Buyer Comment (2026-06-03): Please see attached. Reviewer Comment (2026-05-13): [redacted]Changed Circumstance dated [redacted] does not give sufficient information on why the Credit report fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. " Buyer Comment (2026-05-12): Please see attached. |
06/12/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225258361 | [Redacted] | [Redacted] | 36065660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due diligence review DTI is [redacted]% however the lender bid tape [redacted]%. | Reviewer Comment (2026-05-14): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Buyer Comment (2026-05-12): [redacted]conditon. Please clear. |
05/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225258361 | [Redacted] | [Redacted] | 36065661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Due diligence review DTI is [redacted]% however the lender bid tape [redacted]%. | Reviewer Comment (2026-05-14): Received verification from lender that DTI matches/is within tolerance. However, Bid tape remains a discrepancy. Condition cleared. Reviewer Comment (2026-05-14): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-12): [redacted]conditon. Please clear. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225258751 | [Redacted] | [Redacted] | 36060391 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/CD/Closing statement was not found in file. | Reviewer Comment (2026-05-26): Received Final HUD. Exception Cleared. Buyer Comment (2026-05-22): full signed copy upld Reviewer Comment (2026-05-21): The HUD-1 is cut off at the bottom of each page especially the one showing the 'Cash To Borrower' amount Buyer Comment (2026-05-21): final hud upld Reviewer Comment (2026-04-06): Please provide final closing statement. Exception remains. Buyer Comment (2026-04-03): cd's are not required on dscr loans, upld[redacted] provided by title |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36060432 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Rent Comparison Schedule was not found in file. | Reviewer Comment (2026-04-07): Received clarification/approval/documentation from lender. Condition cleared. using [redacted]calculation. Buyer Comment (2026-04-03): exception aprvl upld |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36060482 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lender is using a calculation from [redacted]. The documentation from this website only provides a nightly rate. Evidence of lenders calculation of the total rent of $[redacted] was not located in the file. Please provide the lenders calculation reflecting how the total was calculated. | Reviewer Comment (2026-04-07): Received clarification/approval/documentation from lender. Condition cleared. using [redacted]calculation. Buyer Comment (2026-04-03): exception aprvl upld to trl docs |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36060538 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-05-21): Final title with sufficient coverage, cleared |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36060834 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in file disclosed $[redacted] of title insurance coverage; however this is less than the loan amount of $[redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-05-21): Final title with sufficient coverage, cleared Buyer Comment (2026-05-21): final title upld |
05/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36060880 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. by $[redacted]. | Reviewer Comment (2026-05-07): Replacement cost estimator provided. Exception cleared. Buyer Comment (2026-05-06): rebuttal and rce upld Reviewer Comment (2026-04-06): Require replacement cost estimator to verify coverage shortfall. Exception remains. Buyer Comment (2026-04-03): please confirm your calculation for shortage. Loan amount is $[redacted], coverage is $[redacted] |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36084032 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | Comparable rent schedule was not found in file. | Reviewer Comment (2026-04-07): Received clarification/approval/documentation from lender. Condition cleared. using [redacted]calculation. Buyer Comment (2026-04-03): exception aprvl upld to trl docs |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36248634 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet CCM requirements. Variance is more than [redacted] . | Based on the lender exception approval [redacted]% of the income from the [redacted] is to be used. That figure is $[redacted]x [redacted]% = $[redacted] which is causing the discrepancy. | Reviewer Comment (2026-04-16): Using [redacted]% of [redacted]$[redacted] Buyer Comment (2026-04-15): Please see updated 1008 and clear condition Buyer Comment (2026-04-15): 1008rev |
04/16/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 225258751 | [Redacted] | [Redacted] | 36248642 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to use [redacted] in lieu of appraiser providing [redacted] approved. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-07): Client elects to waive with compensating factors. |
04/07/2026 | Yes | 2 | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225278370 | [Redacted] | [Redacted] | 36082844 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement not provided. | Reviewer Comment (2026-04-17): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-04-15): Please see attached. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225278370 | [Redacted] | [Redacted] | 36082957 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided. | Reviewer Comment (2026-04-17): Received Rate Lock, exception cleared Buyer Comment (2026-04-15): Please see attached. |
04/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225278370 | [Redacted] | [Redacted] | 36082959 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal 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 (2026-05-19): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-18): Please see attached. Reviewer Comment (2026-04-29): [redacted]received LOE to borrower, proof of mailing, Corrected CD). Missing Copy of Refund Check. Buyer Comment (2026-04-28): Please see attached. |
05/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225278370 | [Redacted] | [Redacted] | 36091587 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-17): Received Rate Lock, exception cleared Buyer Comment (2026-04-15): Please see attached. |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225278370 | [Redacted] | [Redacted] | 36091789 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flags on fraud report were not cleared. | Reviewer Comment (2026-05-28): Verified the Red flags are cleared, exception cleared Buyer Comment (2026-05-27): Please see attached. Reviewer Comment (2026-05-27): The escow officer and settlement agent names are flagged on the [redacted] fraud report. Buyer Comment (2026-05-22): Please rereview - there are no alert for the borrower's name on the report and there are no open high or medium alerts on this report. Reviewer Comment (2026-04-29): Required updated Fraud report as provided Fraud report does not clear borrower name alert red flag. Exception remains. Buyer Comment (2026-04-28): Please see attached. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225287263 | [Redacted] | [Redacted] | 36090434 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verbal verification of employment is required within [redacted] business days from the note date for both borrowers. | Reviewer Comment (2026-05-20): Received required documentation. Condition cleared. Buyer Comment (2026-05-18): Please see attached Exception approval. Note: Loan must receive a B grade Reviewer Comment (2026-05-08): Loan is investment and Originator Loan Designation is N/A. File is missing VVOE. notes state "please redesignate to QM which allows for post close VVOE" Please clarify what you asking to change the Originator Loan Designation too. also VVOE was not provided. Buyer Comment (2026-05-06): Please redesignate to QM which allows for post close VVOE. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225287263 | [Redacted] | [Redacted] | 36090647 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-04-16): Received Property History Report. Exception cleared Buyer Comment (2026-04-14): Please see property profile in [redacted]& [redacted]. This property is part of a Coop and the taxes are paid through the coop fees. The unit itself does not have individual taxes. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225287263 | [Redacted] | [Redacted] | 36090724 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal verification of employment is required within [redacted] business days from the note date for both borrowers. | Reviewer Comment (2026-05-20): Received [redacted]party verification. Cleared. Reviewer Comment (2026-05-08): Loan is investment and Originator Loan Designation is N/A. File is missing VVOE. notes state "please redesignate to QM which allows for post close VVOE" Please clarify what you asking to change the Originator Loan Designation too. also VVOE was not provided. Buyer Comment (2026-05-06): Please redesignate to QM which allows for post close VVOE. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225287263 | [Redacted] | [Redacted] | 36090725 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal verification of employment is required within [redacted] business days from the note date for both borrowers. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-20): Lender approved exception for Lender provided post closing third party verification along with exception approval. Client elects to waive with compensating factors. Buyer Comment (2026-05-18): Please see attached Exception approval. Note: Loan must receive a B grade Reviewer Comment (2026-05-08): Loan is investment and Originator Loan Designation is N/A. File is missing VVOE. notes state "please redesignate to QM which allows for post close VVOE" Please clarify what you asking to change the Originator Loan Designation too. also VVOE was not provided. Buyer Comment (2026-05-06): Please redesignate to QM which allows for post close VVOE. |
05/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225287263 | [Redacted] | [Redacted] | 36090726 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal verification of employment is required within [redacted] business days from the note date for both borrowers. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-20): Lender approved exception for Lender provided post closing third party verification along with exception approval. Client elects to waive with compensating factors. Buyer Comment (2026-05-18): Please see attached Exception approval. Note: Loan must receive a B grade Reviewer Comment (2026-05-08): Loan is investment and Originator Loan Designation is N/A. File is missing VVOE. notes state "please redesignate to QM which allows for post close VVOE" Please clarify what you asking to change the Originator Loan Designation too. also VVOE was not provided. Buyer Comment (2026-05-06): Please redesignate to QM which allows for post close VVOE. |
05/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225298023 | [Redacted] | [Redacted] | 36387359 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | [redacted] Rate Lock Date not provided. | Reviewer Comment (2026-05-24): Rate lock received. Buyer Comment (2026-05-21): Please see attached. |
05/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225298023 | [Redacted] | [Redacted] | 36387363 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 not disclosed on initial LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-26): [redacted]received valid rate lock document. Buyer Comment (2026-05-26): Please see lock for from [redacted]when the discount points were added. The borrower elected for a lower rate and to accept the points associated with them. Due to this, please clear condition. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225298023 | [Redacted] | [Redacted] | 36387364 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit report fee disclosed as $.[redacted] and then on final CD as $[redacted]. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-22): Cured at closing or within [redacted]days of consummation prior to [redacted] Buyer Comment (2026-05-21): Please see final CD. This fee has already been credited to the borrower. Please clear condition. |
05/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225298023 | [Redacted] | [Redacted] | 36582289 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-05-26): Sufficient Cure Provided At Closing |
05/26/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225330493 | [Redacted] | [Redacted] | 36103651 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-22): Initial [redacted]Rate Lock received. Buyer Comment (2026-04-20): Please see attached. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225330493 | [Redacted] | [Redacted] | 36103820 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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. | Reviewer Comment (2026-05-27): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-26): Please see attached. Reviewer Comment (2026-05-04): [redacted]: Appraisal report with provided disclosure completed on [redacted] with subject to completion, but the Appraisal re-inspection fee was added on [redacted]. This is outside of the required [redacted]-day timeline for notification of borrower. Cure is required. Buyer Comment (2026-04-30): Please see attached COC Reason and invoice to clear condition. |
05/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225330493 | [Redacted] | [Redacted] | 36116622 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted]. | Reviewer Comment (2026-06-01): Updated input. Condition cleared. Per lender guides, [redacted]months is required for subject property and [redacted]month for additional financed REO. Buyer Comment (2026-05-31): based on encompass data PITI $[redacted] rental - $[redacted] subject property - [redacted]months = $[redacted] LTV over [redacted]% - [redacted]months = $[redacted] other REO owned - [redacted]months = $[redacted] total of $[redacted]reserves needed total assets listed in encompass $[redacted] Reviewer Comment (2026-05-29): As per the final 1003, [redacted][redacted]account #[redacted]shows a balance of $[redacted], and the bank statement for this account is not available in the file. Additionally, account #[redacted]reflects a balance of $[redacted]based on the [redacted]statement; however, the [redacted]statement shows a reduced balance of $[redacted]. Exception remains. Buyer Comment (2026-05-28): Are you reviewing the [redacted][redacted]business statements? With the [redacted]statement we are at $[redacted]. Please clear condition. Reviewer Comment (2026-05-04): As per the most recent statements available in the file, the total verified balance is $[redacted], while the required reserves are $[redacted], resulting in a shortfall. The shortage is due to the [redacted] ending balance being used for the [redacted] business account #[redacted]instead of [redacted], and because no statement is available to verify the balance for account #[redacted]. Verified balances: #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] Buyer Comment (2026-04-30): Please see attached. Reviewer Comment (2026-04-22): Total available reserve is $[redacted], final 1003 shows #[redacted]with balance of $[redacted]while [redacted] month statement received confirms $[redacted]also, we have not received bank statement of #[redacted]account so not considered for reserve. Total difference of $[redacted]. Total fund required $[redacted]. Buyer Comment (2026-04-20): Could you please review the assets again. We have total verified funds of $[redacted]. Which is 6 months reservies. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225330493 | [Redacted] | [Redacted] | 36117425 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR - short reserves because they used the [redacted] ending balance on the [redacted] business account instead of [redacted]. | Reviewer Comment (2026-06-01): Updated input. Condition cleared. Per lender guides, [redacted]months is required for subject property and [redacted]month for additional financed REO. Buyer Comment (2026-05-31): [redacted]Condition Reviewer Comment (2026-05-29): As per the final 1003, [redacted][redacted]account #[redacted]shows a balance of $[redacted], and the bank statement for this account is not available in the file. Additionally, account #[redacted]reflects a balance of $[redacted]based on the [redacted]statement; however, the [redacted]statement shows a reduced balance of $[redacted]. Exception remains. Buyer Comment (2026-05-28): [redacted]. Please clear. Reviewer Comment (2026-05-04): As per the most recent statements available in the file, the total verified balance is $[redacted], while the required reserves are $[redacted], resulting in a shortfall. The shortage is due to the [redacted] ending balance being used for the [redacted] business account #[redacted]instead of [redacted], and because no statement is available to verify the balance for account #[redacted]. Verified balances: #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] Buyer Comment (2026-04-30): Please see attached. Reviewer Comment (2026-04-22): Total available reserve is $[redacted], final 1003 shows #[redacted]with balance of $[redacted]while [redacted] month statement received confirms $[redacted]also, we have not received bank statement of #[redacted]account so not considered for reserve. Total difference of $[redacted]. Total fund required $[redacted]. |
06/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225330493 | [Redacted] | [Redacted] | 36117426 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR - short reserves because they used the [redacted] ending balance on the [redacted] business account instead of [redacted] . | Reviewer Comment (2026-06-01): Updated input. Condition cleared. Per lender guides, [redacted]months is required for subject property and [redacted]month for additional financed REO. Reviewer Comment (2026-06-01): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-31): [redacted]Condition Reviewer Comment (2026-05-29): As per the final 1003, [redacted] account #[redacted]shows a balance of $[redacted], and the bank statement for this account is not available in the file. Additionally, account #[redacted]reflects a balance of $[redacted][redacted]on the [redacted]statement; however, the [redacted]statement shows a reduced balance of $[redacted]. Exception remains. Buyer Comment (2026-05-28): [redacted]. Please clear. Reviewer Comment (2026-05-04): As per the most recent statements available in the file, the total verified balance is $[redacted], while the required reserves are $[redacted], resulting in a shortfall. The shortage is due to the [redacted] ending balance being used for the [redacted] business account #[redacted]instead of [redacted], and because no statement is available to verify the balance for account #[redacted]. Verified balances: #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] Buyer Comment (2026-04-30): [redacted]condition. Please clear. Reviewer Comment (2026-04-22): Total available reserve is $[redacted], final 1003 shows #[redacted]with balance of $[redacted]while [redacted] month statement received confirms $[redacted]also, we have not received bank statement of #[redacted]account so not considered for reserve. Total difference of $[redacted]. Total fund required $[redacted]. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225330493 | [Redacted] | [Redacted] | 36117813 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Insufficient funds provided for reserves. | Reviewer Comment (2026-06-01): Updated input. Condition cleared. Per lender guides, [redacted]months is required for subject property and [redacted]month for additional financed REO. Buyer Comment (2026-05-31): [redacted]Condition Reviewer Comment (2026-05-29): As per the final 1003, [redacted][redacted]account #[redacted]shows a balance of $[redacted], and the bank statement for this account is not available in the file. Additionally, account #[redacted]reflects a balance of $[redacted]based on the [redacted]statement; however, the [redacted]statement shows a reduced balance of $[redacted]. Exception remains. Buyer Comment (2026-05-28): [redacted]. Please clear. Reviewer Comment (2026-05-04): As per the most recent statements available in the file, the total verified balance is $[redacted], while the required reserves are $[redacted], resulting in a shortfall. The shortage is due to the [redacted] ending balance being used for the [redacted] business account #[redacted]instead of [redacted], and because no statement is available to verify the balance for account #[redacted]. Verified balances: #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] Buyer Comment (2026-04-30): [redacted]condition. Please clear. Reviewer Comment (2026-04-22): Total available reserve is $[redacted], final 1003 shows #[redacted]with balance of $[redacted]while [redacted] month statement received confirms $[redacted]also, we have not received bank statement of #[redacted]account so not considered for reserve. Total difference of $[redacted]. Total fund required $[redacted]. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225330493 | [Redacted] | [Redacted] | 36117823 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Insufficient funds provided for reserves. | Reviewer Comment (2026-06-01): Updated input. Condition cleared. Per lender guides, [redacted] months is required for subject property and [redacted]month for additional financed REO. Reviewer Comment (2026-06-01): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) Buyer Comment (2026-05-31): [redacted]Condition Reviewer Comment (2026-05-29): As per the final 1003, [redacted] account #[redacted]shows a balance of $[redacted], and the bank statement for this account is not available in the file. Additionally, account #[redacted] reflects a balance of $[redacted]based on the [redacted]statement; however, the [redacted]statement shows a reduced balance of $[redacted]. Exception remains. Buyer Comment (2026-05-28): [redacted]. Please clear. Reviewer Comment (2026-05-04): As per the most recent statements available in the file, the total verified balance is $[redacted], while the required reserves are $[redacted], resulting in a shortfall. The shortage is due to the [redacted] ending balance being used for the [redacted] business account #[redacted]instead of [redacted], and because no statement is available to verify the balance for account #[redacted]. Verified balances: #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] #[redacted]: $[redacted] Buyer Comment (2026-04-30): [redacted]condition. Please clear. Reviewer Comment (2026-04-22): Total available reserve is $[redacted], final 1003 shows #[redacted]with balance of $[redacted] while [redacted] month statement received confirms $[redacted]also, we have not received bank statement of #[redacted]account so not considered for reserve. Total difference of $[redacted]. Total fund required $[redacted]. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225358475 | [Redacted] | [Redacted] | 36150309 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal verification of the borrower's employment dated within [redacted] business days of the Note was missing. | Reviewer Comment (2026-06-10): Client redesignate to safe harbor APOR Buyer Comment (2026-06-06): Please redesignate to safe harbor APOR Reviewer Comment (2026-04-23): Require borrower "[redacted]" employment name "[redacted]" VVOE document dated within [redacted]business days of the closing date, Exception Remains. Buyer Comment (2026-04-21): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225358475 | [Redacted] | [Redacted] | 36150509 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Verbal verification of the borrower's employment dated within [redacted] business days of the Note was missing. | Reviewer Comment (2026-06-12): [redacted]-party VOE received and verified; exception cleared. Buyer Comment (2026-06-11): Please see attached. Reviewer Comment (2026-04-23): Require borrower "[redacted]" employment name "[redacted]" VVOE document dated within [redacted]business days of the closing date, Exception Remains. Buyer Comment (2026-04-21): [redacted]condition, please clear. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225358475 | [Redacted] | [Redacted] | 36150511 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verbal verification of the borrower's employment dated within [redacted] business days of the Note was missing. | Reviewer Comment (2026-06-12): [redacted]-party VOE received and verified; exception cleared. Buyer Comment (2026-06-11): [redacted]. Please clear. Reviewer Comment (2026-04-23): Require borrower "[redacted]" employment name "[redacted]" VVOE document dated within [redacted]business days of the closing date, Exception Remains. Buyer Comment (2026-04-21): [redacted]condition, please clear. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225358475 | [Redacted] | [Redacted] | 36150513 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-03-25): Sufficient Cure Provided At Closing |
03/25/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225358475 | [Redacted] | [Redacted] | 36162156 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verbal verification of the borrower's employment dated within [redacted] business days of the Note was missing. | Reviewer Comment (2026-06-12): [redacted]-party VOE received and verified; exception cleared. Buyer Comment (2026-06-11): [redacted]. Please clear. Reviewer Comment (2026-04-23): Require borrower "[redacted]" employment name "[redacted]" VVOE document dated within [redacted]business days of the closing date, Exception Remains. Buyer Comment (2026-04-21): [redacted]condition, please clear. |
06/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225361102 | [Redacted] | [Redacted] | 36153119 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-04-23): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-04-21): Please see attached. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225361102 | [Redacted] | [Redacted] | 36153145 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | File is missing the Initial [redacted] Rate Lock as required by the client's guidance. | Reviewer Comment (2026-04-23): Received Rate Lock, exception cleared Buyer Comment (2026-04-21): Please see attached. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NJ | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225361102 | [Redacted] | [Redacted] | 36153151 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Missing evidence from title company that open judgment from [redacted] do not affect title. | Reviewer Comment (2026-05-28): Received email from title company no judgment exist. Condition cleared. Reviewer Comment (2026-05-22): Fraud report shows an open judgment of $[redacted]from [redacted], please provide confirmation from title company that this will not affect title. Buyer Comment (2026-05-20): The buyers Aft of Title was supplied to you with the closing package. Which states that the title is clear, so this would not affect title. Please clear condition. |
05/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225361102 | [Redacted] | [Redacted] | 36153182 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee increased from $[redacted] to $[redacted] without any valid changed circumstances, no cure was provided. | Reviewer Comment (2026-05-21): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-20): Please see attached. |
05/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225361102 | [Redacted] | [Redacted] | 36153183 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | $[redacted] cure was provided for appraisal reinspection fee, but it is less than the total cure requirement of $[redacted]. | Reviewer Comment (2026-04-22): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-04-21): Please see attached closing CD. The re-inspection fee was cured at closing. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225373280 | [Redacted] | [Redacted] | 36166203 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide HOA verification for the property [redacted]. | Reviewer Comment (2026-04-24): All reo docs received. Buyer Comment (2026-04-23): tax & hoi upld Reviewer Comment (2026-04-10): Supporting documents missing for the amount $[redacted]. Provided Insurance Verification, Tax Verification and HOA document. Exception remains. Buyer Comment (2026-04-09): hoa statement upld |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225373280 | [Redacted] | [Redacted] | 36166374 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock Date document is missing in the file. | Reviewer Comment (2026-04-10): Initial [redacted]Rate Lock document received and verified. Exception cleared. Buyer Comment (2026-04-09): lock form upld |
04/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225373280 | [Redacted] | [Redacted] | 36166376 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | HOA/Condo Questionnaire Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-27): Sufficient Cure Provided At Closing |
03/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225373280 | [Redacted] | [Redacted] | 36166377 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel is not provided in the file. Loan disbursement on CD also shows the same date as closing. | Reviewer Comment (2026-06-04): Received the RTC. Condition cleared. Other conditions generated. Buyer Comment (2026-06-02): the right to cancel was not provided at closing due to a computer glitch and the form not generating in the closing package. Reviewer Comment (2026-06-02): RTC verification has been received; it is not confirmed whether the RTC is signed on the note date, exception remains Buyer Comment (2026-05-29): right to cancel and proof of receipt upld |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225373280 | [Redacted] | [Redacted] | 36658941 | 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 [redacted] business days from transaction date of [redacted]. | Disbursement date was not provided. | Reviewer Comment (2026-06-04): Cure documentation received. |
06/04/2026 | No | 2 | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225373280 | [Redacted] | [Redacted] | 36658942 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | RTC's were provided post closing. | Reviewer Comment (2026-06-04): Cure documentation received. |
06/04/2026 | No | 2 | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225380961 | [Redacted] | [Redacted] | 36170728 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is not provided | Reviewer Comment (2026-04-21): Corporate Resolution, cleared Buyer Comment (2026-04-21): Please see attached. |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225380961 | [Redacted] | [Redacted] | 36178268 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower on the Security Instrument reads [redacted], an [redacted], however the deed and Articles of organization show the borrowing entity is a [redacted]. The borrowing entity is a foreign entity in [redacted]. A corrected Security Instrument along with evidence the corrected Security Instrument has been re-recorded will be required. | Reviewer Comment (2026-06-15): Client states they are the same. Ok to clear. Reviewer Comment (2026-06-08): Are the [redacted] [redacted]in the same? They do not appear to be one and the same to us. The deed appears to be for the [redacted] and the Security Instrument is for the [redacted]company. Reviewer Comment (2026-06-02): UPDATE: The issue is the Deed reflects the title holder to be [redacted] , however that is not the borrower on the closing documents. Reviewer Comment (2026-06-01): Received corrected Article of Organization. However, required Deed as [redacted], . Exception Remains. Buyer Comment (2026-05-28): Please see articles of incorp that show this is an [redacted] llc. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225380961 | [Redacted] | [Redacted] | 36178330 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The EIN documentation for the borrowing entity is missing from the file. | Reviewer Comment (2026-06-01): Received EIN details in Article of Organization document. Details Verified and Exception Cleared. Buyer Comment (2026-05-28): Please see EIN on the [redacted] line. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225404294 | [Redacted] | [Redacted] | 36198883 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-18): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-15): Please see attached. Reviewer Comment (2026-04-17): [redacted]Received Invoice dated [redacted] is not acceptable reason for the fee increased appraisal fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-04-16): Please review. Invoice is dated [redacted]and we disclosed the fee [redacted] with the ICD. There should be no cure needed. |
05/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225405988 | [Redacted] | [Redacted] | 36199904 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee was disclosed on initial Loan estimate as $[redacted] but disclosed but final Closing Disclosure $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-05-28): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): pccd docs upld Reviewer Comment (2026-05-14): [redacted]received Post CD and LOX.However,we would also require copy of refund check and proof of mailing in order to cure the exception. Buyer Comment (2026-05-13): pccd docs upld for rvw. please confirm acceptable and we will send to bwr and upload proof Reviewer Comment (2026-05-13): [redacted]: Please see doc ID [redacted]final CD dated [redacted] only reflects the $[redacted]credit in outer column of section [redacted] and does not include in inner column. Provide corrected CD and LOX updated with $[redacted]under section [redacted] in inner column. Buyer Comment (2026-05-11): the final cd signed at closing reflects the $[redacted]credit on inner column of section [redacted] Reviewer Comment (2026-04-30): [redacted]Lender Credit and Lender Cure are different amounts. Provided lender Credit [redacted] cannot be considered as lender cure as Cure amount is not mentioned under section [redacted] inner column. If Lender credit $[redacted]is provided for exceeding Appraisal fee than provide Corrected PCCD and LOX updated with $[redacted]under section [redacted] inner column. Buyer Comment (2026-04-29): there was no valid reason for the increase which is why we applied a lender credit on the [redacted] CD. Reviewer Comment (2026-04-17): [redacted]received Changed Circumstance dated[redacted], but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-04-16): coc details upld Reviewer Comment (2026-04-14): Require Notice of change of circumstances sent to the borrower about the change in fees with date. Buyer Comment (2026-04-13): please see cd on [redacted]that reflects a lender credit for the increase. |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225405988 | [Redacted] | [Redacted] | 36213135 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-04-14): Initial [redacted]Rate Lock agreement received. Buyer Comment (2026-04-13): please disregard [redacted]lock upld, it was for incorrect loan, please review lock for this loan [redacted] #[redacted] Buyer Comment (2026-04-13): lock upld |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225412846 | [Redacted] | [Redacted] | 36208297 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure reflects Amount Finance of $ [redacted] but calculated Amount Finance of $ [redacted] . Variance = $ [redacted] . Lender to provide corrected CD and copy of letter sent to borrower explaining changes. | Reviewer Comment (2026-06-12): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-06-10): Please see attached. Reviewer Comment (2026-05-14): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted]days to cancel the transaction from date of delivery. Buyer Comment (2026-05-13): Please see attached. |
06/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225412846 | [Redacted] | [Redacted] | 36208298 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | 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 (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure reflects Amount Finance of $[redacted] but calculated Amount Finance of $[redacted]. Variance = -$[redacted]. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. | Reviewer Comment (2026-06-12): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-06-10): [redacted]. Reviewer Comment (2026-05-14): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted]days to cancel the transaction from date of delivery. Buyer Comment (2026-05-13): Waterfall. Please clear |
06/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225412846 | [Redacted] | [Redacted] | 36718604 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in Extended rescission rights ([redacted] years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. | This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. | Reviewer Comment (2026-06-12): [redacted]received RTC and Proof of delivery. |
06/12/2026 | No | 2 | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225413751 | [Redacted] | [Redacted] | 36209886 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-04-27): Received E-consent Document, Exception Cleared. Buyer Comment (2026-04-23): Please see attached. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225413751 | [Redacted] | [Redacted] | 36209891 | 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-[redacted] form was used, the H-[redacted] form should have been used. | The H-[redacted] form was used, the H-[redacted] form should have been used. | Reviewer Comment (2026-06-11): Purchase CD was received confirming that the original lender is the same as the new lender. The required correction has been completed, and the exception has been cleared. Buyer Comment (2026-06-09): Please see CD that was requested. Please clear condition. Reviewer Comment (2026-06-09): Both the Payoff Statement and Closing Disclosure reference [redacted], confirming it as the servicer, not the original lender. Please provide the Note/Mortgage or original Closing Disclosure to verify the lender details. Exception remains. Buyer Comment (2026-06-07): The correct form was used for this file. The orignial loan was closed with us on [redacted]. Please clear condition. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | 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 | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225413751 | [Redacted] | [Redacted] | 36221054 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-27): Received [redacted]Rate Lock document, Exception Cleared. Buyer Comment (2026-04-23): Please see attached. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | SC | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225413751 | [Redacted] | [Redacted] | 36342642 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-06-05): [redacted]Received earliest E-Consent dated [redacted]. Buyer Comment (2026-06-04): Please see attached. Reviewer Comment (2026-05-18): [redacted]The consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on 0[redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted](e)([redacted])(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-05-17): Please see attached. |
06/05/2026 | No | 1 | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225413754 | [Redacted] | [Redacted] | 36220521 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [redacted] rate lock was not found in the file. | Reviewer Comment (2026-04-27): Received Rate Lock document in file. Exception Cleared. Buyer Comment (2026-04-23): Please see attached. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225413754 | [Redacted] | [Redacted] | 36220527 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Due diligence review DTI is [redacted]% however the Bid Tape is [redacted]%. Lender did not include fully amortized payment in DTI calculations. | Reviewer Comment (2026-06-25): Received updated clarification. Condition cleared. Reviewer Comment (2026-06-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-06-23): Please provide your breakdown of the subject property qualifying debt. Also, you show "credit debt" as $[redacted]but it should be $[redacted]as you excluded the [redacted] debt as being less than [redacted]months but this is a lease and that would not apply so it should be included. Please refer to our DTI breakdown previously provided Reviewer Comment (2026-06-17): Reviewed lenders rebuttal. Based on the system calculations, the DTI is at [redacted]% based on max rate [redacted]year periodic P&I, however with the IO component, the DTI is at [redacted]%. Condition remains. Buyer Comment (2026-06-15): Reviewed file for DTI variance and believe both [redacted]and [redacted] are wrong. I have uploaded an analysis of the DTI. [redacted]did use the qualifying rate to qualify as the UW explained on the 1008. In this case, as an Interest Only and an ARM file we need to use the rate + margin at the remaining amortized term of [redacted]years. [redacted]and [redacted]used a slightly different qual rate but would be insignificant. [redacted]and [redacted]agree on the primary residence PITI, other debt and the income. [redacted]and [redacted]did agree on the total debt too, at least as how it was reflected in Encompass at time of my review but the UW transmittal in E-folder was not matching (but I believe both were wrong). [redacted]used the wrong property taxes for the subject (too low). [redacted]underwriter commented on the 1008 that the difference between the note rate and the qual rate was shown on the 1008 under "other" BUT, the [redacted]underwriter also showed that same amount as HOA dues. There are no HOA dues. The net PITI for the subject property was inflated by this amount. I cannot determine how [redacted]came up with their Total Expense under the Qualifying Debt Ratio section. Please provide the debt analysis to [redacted]and ask them to review and respond if there is something I am not calculating or considering Reviewer Comment (2026-06-15): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-06-10): The calculated DTI is [redacted]%, whereas the lender's calculated DTI is [redacted]%. A corrected Form 1008 is required since the lender qualified the loan based on the note rate, although the loan is interest-only. Additionally, the tape data DTI also needs to be corrected. Exception remains. Buyer Comment (2026-06-09): Please see attached tax cert which confirms the amount of $[redacted] Reviewer Comment (2026-06-09): Please provide the tax certificate confirming the value of $[redacted].. Buyer Comment (2026-06-05): Please review DTI calculation. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225413754 | [Redacted] | [Redacted] | 36221217 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | The appraisal reflects [redacted] instead of [redacted]. | Reviewer Comment (2026-05-01): Appraisal report provided with correct property address. Exception cleared Buyer Comment (2026-04-30): Please see attached. |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225413754 | [Redacted] | [Redacted] | 36931370 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Discrepancy in DTI | Reviewer Comment (2026-07-23): Received updated 1008. Condition cleared. Buyer Comment (2026-07-21): The [redacted]on 1003 is the adjustment for the qualifying payment - the transmittal summary takes that into account, the DTI is correct as provided on 1008 at [redacted]% Reviewer Comment (2026-07-21): The proposed PITIA for subject property is P&I: [redacted]+ HOI: [redacted]+ Taxes: [redacted]= [redacted]However provided 1003 shows additional [redacted]in other. Due to which DTI is [redacted]%. Exception Remains. Buyer Comment (2026-07-17): Please review updated 1003 and 1008 provided - the [redacted]was accidentally duplicated on final 1003 and was supposed to be adjustment for qualifying payment. Per appraisal, there are no association/project dues. Reviewer Comment (2026-07-16): Our DTI calculation also includes $[redacted]disclosed as Association/Project Dues under the Proposed Monthly Payment section of the Final 1003, resulting in DTI of [redacted]%, provide explanation. Exception remains Buyer Comment (2026-07-15): Please see attached. Reviewer Comment (2026-07-13): Discrepancy remains. Bid tape has not been updated yet. Buyer Comment (2026-07-13): Please review data compare to clear this condition. |
07/23/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225413754 | [Redacted] | [Redacted] | 37030394 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The proposed PITIA for subject property is P&I: [redacted] + HOI: [redacted]+ Taxes: [redacted]= [redacted] However provided 1003 shows additional [redacted] in other. Due to which DTI is [redacted]% | Reviewer Comment (2026-07-23): Received updated 1008. Condition cleared. |
07/23/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225414183 | [Redacted] | [Redacted] | 36210906 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-05): Lender changed the Loan designation. Condition cleared. Buyer Comment (2026-05-01): Please redesignate file to QM Reviewer Comment (2026-04-17): A copy of the [redacted] valuation was not provided applicant [redacted]([redacted]) business days prior to consummation date of [redacted]. This is an HPML loan. Buyer Comment (2026-04-15): Appraisal sent received |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| 225414183 | [Redacted] | [Redacted] | 36210907 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-05-05): Lender changed the Loan designation. Condition cleared. Buyer Comment (2026-05-01): Please redesignate file to QM Reviewer Comment (2026-04-17): A copy of the [redacted] valuation was not provided applicant [redacted]([redacted]) business days prior to consummation date of [redacted]. This is an HPML loan. Buyer Comment (2026-04-15): Sent appraisal receipts |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| 225414183 | [Redacted] | [Redacted] | 36210910 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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]. | Reviewer Comment (2026-05-28): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): please see attached lox, pccd & refund check Reviewer Comment (2026-04-26): [redacted]received COC dated [redacted] for increase in fee due to rush but the reason provided is not sufficient as to if lender has requested the rush as they failed to obtain it on time or borrower has requested the rush to fast track the closing. Please provide additional information and documentation to support a valid changed circumstance to add the RUSH appraisal fee to the appraisal total. Invalid increases due to addition of appraisal rush fees was addressed on page [redacted] of the CFPB Supervisory Highlight found here: [redacted]. If there is a valid changed circumstance such as new information not previously known to the creditor for the increase in appraisal fee, please provide documentation to support and when creditor became aware of new information. When was it determined that appraisal would need rushed and why. Otherwise, cure is required for both the increase in appraisal fee due to appraisal rush fee. Cure documents includes Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Buyer Comment (2026-04-23): Rebuttal and RCD with COC Reviewer Comment (2026-04-16): [redacted]received Changed Circumstance dated [redacted], but it does not give sufficient information on why the rush was requested. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-04-15): RCD with COC for appraisal increase |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | |||||||||
| 225414183 | [Redacted] | [Redacted] | 36222410 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The buildings are experiencing periodic pinhole leaks due to copper piping. This would be a total re-pipe project. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-17): Client elects to waive with compensating factors Buyer Comment (2026-04-15): Exception |
04/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||
| 225414183 | [Redacted] | [Redacted] | 36399147 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender changed the loan designation to [redacted] QM APOR, however DD returned a Higher Priced QM APUR | Reviewer Comment (2026-05-21): Redesignated. Cleared Buyer Comment (2026-05-19): redesignate to Higher-Priced QM |
05/21/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 225414183 | [Redacted] | [Redacted] | 36399148 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qualification Method not Matching QM | General QM: The Qualification Method used by the lender does not match the QM payment calculation method. | Buyer Comment (2026-05-28): OK to waive as cond states it is for information purposes only Reviewer Comment (2026-05-21): Exception is an EV2 for informational purposes only. Buyer Comment (2026-05-19): redesignate to Higher-Priced QM |
05/28/2026 | No | 2 | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||||||||
| 225414183 | [Redacted] | [Redacted] | 36551266 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | EV[redacted] exception for informational purposes only. | Buyer Comment (2026-05-28): OK to waive as cond states it is for information purposes only |
05/28/2026 | No | 2 | A | B | B | B | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||
| 225415478 | [Redacted] | [Redacted] | 36210777 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. | Per state law, no prepayment penalties are permitted for [redacted] entities. | Reviewer Comment (2026-07-14): Received corrected note. Condition cleared. Buyer Comment (2026-07-10): revised note upld Reviewer Comment (2026-06-11): Received the guarantor agreement, however the note will need to be corrected as the [redacted] member signed as an individual, whereas should have just signed as a member or guarantor on the note. Buyer Comment (2026-06-10): please clear or provide an update. Reviewer Comment (2026-06-04): [redacted]has been escalated. DD will reach out when response has bee received. Buyer Comment (2026-06-04): please review and clear. Buyer Comment (2026-05-29): guaranty agreement upld Reviewer Comment (2026-05-22): The note and security instrument reflect the borrower as an LLC. A guarantee agreement is not located in the file. "While [redacted] law prohibits prepayment fees on personal residential mortgage loans, this protection does not extend to loans where the borrower is a business entity (LLC, Corp) and the purpose is commercial, even if guaranteed by an individual. Prepayment Law ([redacted]) protects consumers, not commercial borrowers" Buyer Comment (2026-05-20): On the Note & Mortgage, [redacted] signed as an individual and as a managing member, [redacted] signed as an additional managing member of the LLC. Reviewer Comment (2026-05-13): Is it [redacted]contention that [redacted] is signing the Note in the capacity of Individual Guarantor or as a Co-Borrower? We don't see any evidence that he is acting as guarantor, so the system is testing as though he is a co-borrower on the loan given the [redacted]s on the Note (where prepays are not permissible for individual borrowers). If he is an individual guarantor, please have them direct us to the documentation in file to support this role as guarantor. If supported, we can change the Designation on the 1003 screen to "Guarantor - Individual" and re-run Compliance to see how that may impact results. Buyer Comment (2026-05-11): While [redacted]law prohibits prepayment fees on personal residential mortgage loans, this protection does not extend to loans where the borrower is a business entity (LLC, Corp) and the purpose is commercial, even if guaranteed by an individual. Prepayment Law ([redacted]) protects consumers, not commercial borrowers Reviewer Comment (2026-04-17): On this loan, there is a coborrower who is an individual. Then the note has ""Does the Note contain language indicating the Prepayment Penalty will not exceed the maximum permitted by applicable law?" question in the PPP section. This is answered No as this language is not present, so the resulting exception grade for "[redacted] Prepayment Penalty - Non Business Entity" is EV3-C. Exemption applies to corporations only. Buyer Comment (2026-04-14): this is a business purpose/investment property, ppp is allowed, bp cert is on [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225415478 | [Redacted] | [Redacted] | 36969689 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. | EV2 exception may be waived by lender. | Buyer Comment (2026-07-14): ok to waive |
07/14/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||||||
| 225415478 | [Redacted] | [Redacted] | 36969707 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Received corrected note. File will require a lost note affidavit for the original note. | Reviewer Comment (2026-07-22): Destroyed note affidavit provided. Buyer Comment (2026-07-17): Destroyed Note Affidavit Reviewer Comment (2026-07-17): Correction: A destroyed note affidavit for the original note is required. Buyer Comment (2026-07-15): the note was not lost, we had it re-signed removing the bwr signing as individual due to [redacted] ppp, the original re-signed revised note will be delivered to you today [redacted]#[redacted] |
07/22/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225422521 | [Redacted] | [Redacted] | 36219488 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Lender exception approved to waive the required corporate resolution. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-11): Client elects to waive with compensating factors. Buyer Comment (2026-06-09): Exception Reviewer Comment (2026-05-28): Received lender exception approval provided for corporate resolution for vested entity. The approval required [redacted]%LTV max however the calculated LTV is [redacted]%. Buyer Comment (2026-05-27): Exception |
06/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225424101 | [Redacted] | [Redacted] | 36233319 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted] // Account Type: Checking / Account Number: [redacted]: Account Months Verified is less than [redacted] months. require [redacted] months bank statement | Reviewer Comment (2026-04-24): Data of Member removed from file. No Additional bank statement required. Exception cleared. Buyer Comment (2026-04-22): please cancel [redacted]is not on the loan, only signed ad additional [redacted]member, bank statement not needed. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225424101 | [Redacted] | [Redacted] | 36233354 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of [redacted] under [redacted]. | Buyer Comment (2026-04-28): ok to waive Reviewer Comment (2026-04-24): For a borrower which is a business entity that is not a corporation (such as an LLC), an EV2-B exception is cited. Buyer Comment (2026-04-22): this is a business purpose/investment loan, [redacted] upld, [redacted] is a [redacted]licensee, business purpose cert is on [redacted] |
04/28/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225424101 | [Redacted] | [Redacted] | 36233361 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | REO Property "[redacted]" [redacted] PITI amount "[redacted]" does not included in DTI calculation due to this getting variance more than [redacted]% | Reviewer Comment (2026-04-24): Updated 1008 received. Details verified and updated. Now DTI within Guideline limit. Exception cleared. Buyer Comment (2026-04-22): revised 1008 upld, please remove [redacted] asset/liabilities, he is not on the loan. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225424101 | [Redacted] | [Redacted] | 36827023 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Missing corrected bid tape. | Reviewer Comment (2026-07-02): Bid tape has been corrected as required. Exception cleared. Buyer Comment (2026-06-30): bid tape has been update, please clear. |
07/02/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225424742 | [Redacted] | [Redacted] | 36220602 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD is missing in the file. | Reviewer Comment (2026-06-11): Received Closing statement. Exception Cleared. Buyer Comment (2026-06-10): final ss and usps address confirm upld, the title agent is unable to change the final ss after the fact but has referenced[redacted], this should be sufficient to clear the condition. Buyer Comment (2026-06-10): final ss and usps address confirm upld, the title agent is unable to change the final ss after the fact but has referenced [redacted], this should be sufficient to clear the condition. Reviewer Comment (2026-04-24): Closing statement received reflecting a city name mismatch with the note address. Exception Remains. Buyer Comment (2026-04-23): final cert copy of ss upld |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225424742 | [Redacted] | [Redacted] | 36220621 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Please override. Details not required for member. | Reviewer Comment (2026-04-22): Cleared Buyer Comment (2026-04-22): please cancel, [redacted]is not on the loan, only signed as additional member of the llc. |
04/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225424742 | [Redacted] | [Redacted] | 36249429 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution in file reflects amount different from subject loan amount. | Reviewer Comment (2026-04-22): Corporate resolution, cleared Buyer Comment (2026-04-22): please cancel, the amount on the consent is more that the actual loan amount. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225426991 | [Redacted] | [Redacted] | 36256843 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-21): Initial [redacted]Rate Lock received. Exception cleared. Buyer Comment (2026-04-20): Lock |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | VT | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225426991 | [Redacted] | [Redacted] | 36257192 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable - condotel with timeshare and fractional use & appraisal requirements not met due to square footage being [redacted] with no bedroom or [redacted]. UPDATE COMMENT FROM CLIENT: The Condotel allows for fractional/timeshare units, but our unit in particular is not [redacted] of those. The Conditions box is reiterating the guideline in that if additional information was provided that showed it was fractional/timeshare it wouldn't be allowed, but that's not the case here. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-29): Client elects to waive with compensating factors. Reviewer Comment (2026-05-07): Verbiage in the "Nature of Exception" section of the exception approval document states that subject is a condotel with timeshare and fractional use. However, the "Disposition Comment" section states that fractional ownership/timeshare vesting prohibited. Please provided clarification and evidence the requirement was met. Buyer Comment (2026-05-05): The subject unit vesting doesn't have fractional ownership/timeshare vesting which is what the exception says. Can we get this cleared or clarified? Reviewer Comment (2026-04-22): The lender exception approval required no fractional ownership/timeshare vesting is prohibited, however the exception request indicates this is the case. Please provide clarification and evidence the lenders exception approval requirements were met. Buyer Comment (2026-04-20): Exception |
05/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VT | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225429707 | [Redacted] | [Redacted] | 36234924 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing. Sec ID: [redacted] | [redacted] Valuation is Missing in loan file. | Reviewer Comment (2026-04-30): CDA, cleared Buyer Comment (2026-04-29): CDA Reviewer Comment (2026-04-22): The address provided in CDA [redacted]does not match the note subject's address. Exception Remains. Buyer Comment (2026-04-21): See CDA on [redacted]Page [redacted]. This should address this |
04/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Rate/Term | D | B | B | B | D | A | N/A | No | ||||||||||||||
| 225429707 | [Redacted] | [Redacted] | 36234998 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request to use annualized [redacted]-month receipt of documented rent ($[redacted]) resulting in a DSCR of [redacted] is approved. Per disposition, no additional exceptions and subject to final review. | Borrower has owned the subject property for at least [redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-08): Client elects to waive with compensating factors. |
04/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | D | B | B | B | D | A | N/A | No | |||||||||||
| 225430065 | [Redacted] | [Redacted] | 36245500 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending e-sign consent. | Reviewer Comment (2026-04-13): Received e-sign consent. Exception cleared. Buyer Comment (2026-04-09): Please see attached. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225430065 | [Redacted] | [Redacted] | 36245665 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225430065 | [Redacted] | [Redacted] | 36245668 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225430065 | [Redacted] | [Redacted] | 36245669 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225430065 | [Redacted] | [Redacted] | 36261163 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Initial [redacted] Rate Lock was not found in file. | Reviewer Comment (2026-04-29): Received [redacted]Rate Lock DOC [redacted]document, Exception Cleared. Buyer Comment (2026-04-28): Please see attached. Reviewer Comment (2026-04-13): Required initial rate lock when rate was first locked on[redacted]. Exception remains. Buyer Comment (2026-04-09): Please see attached. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NC | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225430065 | [Redacted] | [Redacted] | 36272416 | 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 [redacted] 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. | Reviewer Comment (2026-06-12): [redacted] received e-consent dated [redacted] Buyer Comment (2026-06-11): the eConsent IS dated for the borrower within the correct time frame. Please view the date of [redacted]. The consentors from [redacted] are the gift donors and don't have to do with the disclosure timing. Please clear condition. Reviewer Comment (2026-06-11): [redacted]received disclosures summary showing e-consent date as [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-06-10): Please see attached. This should clear condition. Reviewer Comment (2026-06-09): [redacted]received e-consent dated [redacted].However, the provided initial application in the loan file completed on [redacted] with all [redacted] pieces of RESPA information and the Initial disclosures are an issued on [redacted]within those [redacted] business days of application. However, the borrower electronically signed on the initial LE on [redacted], but the actual e-sign consent agreement was not provided by [redacted] within that timing requirement. If the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-06-08): Please see attached to clear condition. Reviewer Comment (2026-06-02): [redacted]: provided initial application in the loan file completed on [redacted] with all [redacted] pieces of RESPA information and the Initial disclosures are an issued on [redacted] within those [redacted] business days of application. However, the borrower electronically signed on the initial LE on [redacted], but the actual e-sign consent agreement was not provided by [redacted] within that timing requirement. If the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-05-29): The application was not completed until [redacted] at which time the disclosures were sent. Please clear condition. Reviewer Comment (2026-05-08): [redacted] received disclosures summary as per which the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-05-07): Please see attached. Reviewer Comment (2026-04-29): [redacted]received Loan Summary with Loan disclosure History. However, the document provided does not reflect the actual Electronic Consent Agreement Authorization by borrower and only reflects the history of a disclosure sent to borrower that was signed. No entry states "electronic consent approved/authorized. Provide actual E-consent agreement with borrower. Buyer Comment (2026-04-28): Please see attached. |
06/12/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225434801 | [Redacted] | [Redacted] | 36246340 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 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 (2026-05-05): [redacted]Received Valid COC dated [redacted] along with corresponding CD. Buyer Comment (2026-05-04): See changed circumstance dated [redacted] however the corresponding CD was not found in Acuity and has been attached. |
05/05/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225440383 | [Redacted] | [Redacted] | 36253444 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing from the file. The provided E-Sign consent is reflecting a pending status. | Reviewer Comment (2026-05-26): Received E-sign consent document, Exception cleared. Buyer Comment (2026-05-22): Please see attached initial econsent that shows when the borrower initially signed. Reviewer Comment (2026-05-05): Please provide documentation to verify the e-consent date. Buyer Comment (2026-05-04): Please see attached. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225440383 | [Redacted] | [Redacted] | 36253451 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM Disclosure dated [redacted] was not provided to the borrower within [redacted] days of the application date [redacted]. | Reviewer Comment (2026-05-27): ARM disclosure provided on [redacted], verified from disclosure summary. Buyer Comment (2026-05-22): Please review the date at the top left hand corner. This date is [redacted], which is the date that it was sent. - Please clear condition. Reviewer Comment (2026-05-05): The ARM disclsosure is located in the file is dated [redacted]. Buyer Comment (2026-05-04): Please see attached ARM disclosure that was sent to the borrower on [redacted] |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225440383 | [Redacted] | [Redacted] | 36253455 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]th page of the Post Closing Disclosure issued on [redacted] is missing the required verbiage. | Reviewer Comment (2026-06-22): Received cd dated[redacted] with complete page [redacted] with proper timestamp. Buyer Comment (2026-06-18): Please see attached. Reviewer Comment (2026-06-10): Provided CD dated on [redacted] however required post-closing CD with required verbiage dated on [redacted]. Exception remains. Buyer Comment (2026-06-08): Please see attached. Reviewer Comment (2026-06-03): The document provided does not include the date stamp at the bottom of the CD to confirm that the page is related to the CD dated [redacted]. Please provide page [redacted] of the CD issued on [redacted] with standard wordings and selections for Assumption, Demand Feature, Negative amortization, partial payments, security interest and escrow. There is nothing mentioned in any of the sections on page [redacted]. Buyer Comment (2026-05-31): Please see attached. Reviewer Comment (2026-05-27): The document provided does not include the date stamp at the bottom of the CD to confirm that the page is related to the CD dated [redacted]. Please provide page [redacted] of the CD issued on [redacted] with standard wordings and selections for Assumption, Demand Feature, Negative amortization, partial payments, security interest and escrow. There is nothing mentioned in any of the sections on page [redacted] for the [redacted] CD. Buyer Comment (2026-05-22): Can you please clariy which wording you are referring to? I have reviewed this and there is nothing missing. this account is not escrowed, which is noted. Reviewer Comment (2026-05-05): Please see Page [redacted] of the CD dated [redacted]. The standard wording is missing from the page. Buyer Comment (2026-05-04): Can you please advise of what required verbiage is missing |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225443724 | [Redacted] | [Redacted] | 36254645 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Required [redacted] account statement for the account ending #[redacted] which is missing from the file. Provided transaction history can not be used for the income calculations. | Reviewer Comment (2026-05-06): [redacted]Shows [redacted]transactions |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225443724 | [Redacted] | [Redacted] | 36254659 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Required [redacted] account statement for the account ending #[redacted] which is missing from the file. Provided transaction history can not be used for the income calculations. | Reviewer Comment (2026-05-06): [redacted]Shows [redacted]transactions |
05/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225443724 | [Redacted] | [Redacted] | 36254660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-05-06): [redacted]Shows [redacted]transactions |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225443724 | [Redacted] | [Redacted] | 36254662 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Amount financed disclosed is $[redacted]. Calculated amount financed is $[redacted]. Variance of $[redacted]. Required Leter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD. Variance is due to Appraisal Review Fee showing on Final Closing Disclosure and is not included in finance charges on Compliance Report. | Reviewer Comment (2026-06-02): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-06-01): pccd docs with cure and proof of shipping upld Reviewer Comment (2026-05-20): [redacted]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. The Patriot Act search and the rush fee are not specifically excluded and are tested as finance charges. A cure is required, however if the seller provided a legal opinion [redacted] would be happy to review the citation. Buyer Comment (2026-05-19): The Finance Charge and resulting Amount Financed variance is due to inconsistent classification of appraisal-related fees (appraisal review/reinspection/rush) between the Final Closing Disclosure and the compliance finance charge calculation model. All fees were properly disclosed on the Final CD dated [redacted]f. The variance is a system calculation/reconciliation issue rather than a disclosure error. We request removal of the exception based on corrected fee classification alignment. Reviewer Comment (2026-05-08): [redacted]received title company confirmation of one time fees on Title-Flood Determination, Title-Tax Status Research and Title-Patriot Act search. That the Title-Flood & Title Tax Status are one time fees would confirm they are not life of loan services that lender required and thus not a finance charge. As for the Title-Patriot Act, that it is a one time fee does not exclude as it is not a fee type that would be an ongoing lender life of loan type service. This would be a service for checking consumer's identification against OFAC & comparable lists and is a processing type fee. With recalculation of fees, the finance charge is now underedisclosed by $[redacted]fand due to the Title-Patriot Act search and the Appraisal Rush fee,with the Rush fee being the primary amount and even if Patriot Act search fee excluded, would still be underdisclosed over tolerance. The exclusion under [redacted]f covers Property appraisal fees or fees for inspections to assess the value or condition of the property. The fee to rush the appraisal is not a [redacted]f fee. If the seller can provide evidence or documentation the rush appraisal was requested by the borrower and was not imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit, we can consider exclusion from finance charge. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund of $[redacted]fand proof of mailing based on current fees. Buyer Comment (2026-05-07): please see title email confirming one time fees for $[redacted]flood, $[redacted]pat act and $[redacted]research fee and remove from finance charges, also remove appraisal rush fee as that is not a finance charge. |
06/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225443724 | [Redacted] | [Redacted] | 36254663 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | 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 (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Amount financed disclosed is $[redacted] . Calculated amount financed is $[redacted]. Variance of $[redacted] . Required Leter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD. Variance is due to Appraisal Review Fee showing on Final Closing Disclosure and is not included in finance charges on Compliance Report. | Reviewer Comment (2026-06-02): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-06-01): pccd docs with cure and proof of shipping upld to trl docs Reviewer Comment (2026-05-08): [redacted]received title company confirmation of one time fees on Title-Flood Determination, Title-Tax Status Research and Title-Patriot Act search. That the Title-Flood & Title Tax Status are one time fees would confirm they are not life of loan services that lender required and thus not a finance charge. As for the Title-Patriot Act, that it is a one time fee does not exclude as it is not a fee type that would be an ongoing lender life of loan type service. This would be a service for checking consumer's identification against OFAC & comparable lists and is a processing type fee. With recalculation of fees, the finance charge is now underedisclosed by $[redacted]fand due to the Title-Patriot Act search and the Appraisal Rush fee,with the Rush fee being the primary amount and even if Patriot Act search fee excluded, would still be underdisclosed over tolerance. The exclusion under[redacted]f covers Property appraisal fees or fees for inspections to assess the value or condition of the property. The fee to rush the appraisal is not a[redacted]f fee. If the seller can provide evidence or documentation the rush appraisal was requested by the borrower and was not imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit, we can consider exclusion from finance charge. Otherwise cure would be Corrected CD, LOE to borrower, copy of cure refund of $[redacted]fand proof of mailing based on current fees. Buyer Comment (2026-05-07): please see title email confirming one time fees for $[redacted]flood, $[redacted]pat act and $[redacted]research fee and remove from finance charges, also remove appraisal rush fee as that is not a finance charge. |
06/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225443724 | [Redacted] | [Redacted] | 36254668 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | ATR failure due to required [redacted] account statement for the account ending #[redacted] which is missing from the file. Provided transaction history can not be used for the income calculations. | Reviewer Comment (2026-05-06): [redacted]Shows [redacted]transactions |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225443724 | [Redacted] | [Redacted] | 36431416 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Changed circumstance is missing additional information and supporting documentation to support a valid changed circusmtance. Appraisal fee increase disclosed on [redacted] CD but does not give information on why the fee increased or when lender was notified and became aware of the increase. typically appraiser will notify lender if an appraisal fee increases. Unable to locate the support documentation of when lender was notified and why the fee was increased. (file notes, emails, etc can further support) | Reviewer Comment (2026-06-08): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-05): pccd docs upld Reviewer Comment (2026-06-03): [redacted]received cure documents for $[redacted]f, however cure required for $[redacted]f($[redacted]for second appraisal fee and $[redacted]ffor appraisal rush fee). Please provide additional cure of $[redacted]with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-01): pccd docs with cure and proof of shipping upld to trl docs. Reviewer Comment (2026-05-28): [redacted]freceived appraisal inspection scheduled document for the rush fee added on[redacted]f. But it does not give sufficient information on reason for the appraisal fee of $[redacted]fadded on [redacted]f. Please provide documentation of the reason for the addition of the appraisal fee of $[redacted]fadded. What information was received that required the increase in the fee and when was that information received or Cure would be due to borrower. Buyer Comment (2026-05-27): suporting documentation was provided in the loan file, the coc's do not need to include detailed information Reviewer Comment (2026-05-20): [redacted]received rebuttal. however, COC dated [redacted]f does not give sufficient information on why the fee was increased and what additional services required. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-05-19): The $[redacted]appraisal-related fee was disclosed on the revised Loan Estimate issued under valid changed circumstances and carried forward to the Final Closing Disclosure. The fee reflects additional valuation services required during loan processing and was properly disclosed prior to consummation. We request removal of the exception based on proper LE/CD redisclosure. |
06/08/2026 | No | 2 | B | B | B | B | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225443724 | [Redacted] | [Redacted] | 36431417 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Changed circumstance is missing additional information and supporting documentation to support a valid changed circumstance. RUSH fee added on [redacted] and appears related to the final inspection. Please provide additional information and supporting documentation to confirm who requested the RUSH (borrower or lender), why requested and when lender became aware. (file notes, emails, etc can further support) | Reviewer Comment (2026-06-08): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-05): pccd docs upld to trl docs. Reviewer Comment (2026-06-03): [redacted]received cure documents for $[redacted]f, however cure required for $[redacted]($[redacted]for [redacted]appraisal fee and $[redacted]ffor appraisal rush fee). Please provide additional cure of $[redacted]with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-01): pccd docs with cure and proof of shipping upld to trl docs. Reviewer Comment (2026-05-28): [redacted]received the appraisal inspection schedule document for the rush fee added on [redacted]f; however, the provided document does not include borrower or loan details required to accept the order. Please provide an updated document with borrower or loan information to reevaluate and re-baseline this exception. Buyer Comment (2026-05-27): supporting documentation was provided in the loan file, the coc's do not need to include detailed information Reviewer Comment (2026-05-20): [redacted]received rebuttal and supporting document, but it does not give sufficient information on why the rush fee was requested. In order to determine if the changed circumstance is valid more information is necessary on reason rush requested and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-05-19): The $[redacted]rush/reinspection fee was added due to an appraisal-related expedited processing requirement identified during underwriting. The appraisal portal confirms the rush request was initiated and acknowledged on [redacted]f, supporting the timing of the changed circumstance and corresponding revised Loan Estimate issued on the same date. The fee was properly disclosed under valid changed circumstances and carried forward to the Final Closing Disclosure. Supporting appraisal portal documentation can be provided upon request. We request removal of the exception based on validated timing and proper disclosure. |
06/08/2026 | No | 2 | B | B | B | B | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225452139 | [Redacted] | [Redacted] | 36270587 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Borrower Citizenship document is not provided in file. | Reviewer Comment (2026-06-15): Borrower is permanent resident, received permanent resident alien card. Exception cleared. Buyer Comment (2026-06-15): Please see attached. Reviewer Comment (2026-05-26): Required Citizenship document for [redacted], Exception Remains. Buyer Comment (2026-05-22): The [redacted]fresident card is all that is required to verify the citizenship. Please clear condition. Reviewer Comment (2026-05-06): Required Citizenship document for [redacted][redacted][redacted](Borrower). Exception Remains. Buyer Comment (2026-05-05): Please see attached. |
06/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225452139 | [Redacted] | [Redacted] | 36270649 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Verification of appraisal being delivered to the borrower is not provided within [redacted] business days. | Reviewer Comment (2026-05-27): Preliminary appraisal dated [redacted]f received confirmation of borrower receipt at [redacted]. Appraised value and date of report verified from CDA for preliminary appraisal. Buyer Comment (2026-05-22): Please see attached. Reviewer Comment (2026-05-06): Required Right to Receive Copy of Appraisal within [redacted] business days prior to the Note date. Exception Remains. Buyer Comment (2026-05-05): The APR variance is less than [redacted]%. Please clear condition. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225452139 | [Redacted] | [Redacted] | 36270656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 fees disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. | Reviewer Comment (2026-05-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-05): Please see the attached closing disclosure which was signed at closing. This will show the credit that will coverage this excess amount. Please clear condition. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225452139 | [Redacted] | [Redacted] | 36270657 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee disclosed on Loan Estimate $[redacted] and disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-05-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-05): Please see the attached closing disclosure which was signed at closing. This will show the credit that will coverage this excess amount. Please clear condition. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225452139 | [Redacted] | [Redacted] | 36270658 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Survey Fee was not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-06-02): [redacted] received Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-05-31): Please see attached. Reviewer Comment (2026-05-26): [redacted]is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-22): This is an elected fee from the borrower. Please clear condition. Reviewer Comment (2026-05-06): [redacted]freceived Post CD and LOX by moving fee to section [redacted]. However,we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-05): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225452139 | [Redacted] | [Redacted] | 36270659 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-05-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-05): Please see the attached closing disclosure which was signed at closing. This will show the credit that will coverage this excess amount. Please clear condition. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225452139 | [Redacted] | [Redacted] | 36270681 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted]Citizen Status not provided | Verification of borrower for non-US citizenship is not provided in file. | Reviewer Comment (2026-06-15): Borrower is permanent resident, received permanent resident alien card. Exception cleared. Buyer Comment (2026-06-15): [redacted]. Please clear. Reviewer Comment (2026-06-02): Received permanent resident alien card is for co-borrower. 1st borrower's permanent resident alien card is required. Exception remains. Buyer Comment (2026-05-31): [redacted]. Please clear. Reviewer Comment (2026-05-26): Required Citizenship document for [redacted], Exception Remains. Buyer Comment (2026-05-22): [redacted]. Please clear. Reviewer Comment (2026-05-06): Required Citizenship document for [redacted] (Borrower). Exception Remains. Buyer Comment (2026-05-05): Waterfall condition. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225452139 | [Redacted] | [Redacted] | 36283945 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-05-27): Preliminary appraisal dated [redacted]f received confirmation of borrower receipt at[redacted]. Appraised value and date of report verified from CDA for preliminary appraisal. Buyer Comment (2026-05-22): [redacted]. Please clear. Reviewer Comment (2026-05-06): Required Right to Receive Copy of Appraisal within [redacted] business days prior to the Note date. Exception Remains. Buyer Comment (2026-05-05): Please see attached. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225452139 | [Redacted] | [Redacted] | 36283946 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Buyer Comment (2026-06-06): Please waive per CNR Reviewer Comment (2026-06-02): Received document for delivery of revised Appraisal report dated [redacted]f are already provided in file and as per the document, Appraisal report is not provided to borrower within [redacted] business day prior to closing date [redacted]f. Exception remains. Buyer Comment (2026-05-31): Please see attached. Reviewer Comment (2026-05-27): Exception remains. Required Right to Receive Copy of Appraisal within [redacted]fbusiness days prior to the Note date. If already provided please provide doc #. Buyer Comment (2026-05-22): [redacted]. Please clear. Reviewer Comment (2026-05-06): Required Right to Receive Copy of Appraisal within [redacted] business days prior to the Note date. Exception Remains. Buyer Comment (2026-05-05): Waterfall condition |
06/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225452139 | [Redacted] | [Redacted] | 36637207 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225452139 | [Redacted] | [Redacted] | 36637208 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225452139 | [Redacted] | [Redacted] | 36637209 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225452475 | [Redacted] | [Redacted] | 36265094 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. $[redacted] over legal limit, with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-05-26): [redacted]freceived PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-26): Please see attached Cover Letter, PCCD Copy of cure check and proof [redacted] delivered. |
05/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225452475 | [Redacted] | [Redacted] | 36265095 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit, with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-05-08): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-05-06): Please see attached rebuttal |
05/08/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225452603 | [Redacted] | [Redacted] | 36267291 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-07): Residual income income is updated hence exception cleared. Buyer Comment (2026-05-06): Loan should be designated Safe Harbor QM (APOR) |
05/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225452603 | [Redacted] | [Redacted] | 36267292 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Unable to test due to missing info regarding Guidelines and/or Investor and/or Non QM residual income amount(s). | Reviewer Comment (2026-05-07): Residual income income is updated hence exception cleared. Buyer Comment (2026-05-06): Loan should be designated Safe Harbor QM (APOR) |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225460251 | [Redacted] | [Redacted] | 36278861 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI difference due to departure residence property #[redacted]. The require document to exclude a departing residence to be sold after closing are missing. | Reviewer Comment (2026-06-03): Received appraisal and Listing Agreement received and verified. Exception cleared. Buyer Comment (2026-06-01): Please see attached valuation on departing residence. Reviewer Comment (2026-05-14): A valuation report for the departing residence to verify at least [redacted]f% equity after deduction of all liens outstanding against the property is required and further conditions may apply. Exception remains. Buyer Comment (2026-05-12): Please see copy of listing agreement to verify intent to sell. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225460251 | [Redacted] | [Redacted] | 36278870 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to departure residence property #[redacted]. The require document to exclude a departing residence to be sold after closing are missing. | Reviewer Comment (2026-06-03): Received appraisal and Listing Agreement received and verified. Exception cleared. Buyer Comment (2026-06-01): Please see departing residence documents to exclude PITI from ratios |
06/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225460251 | [Redacted] | [Redacted] | 36278872 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | ATR failure due to departure residence property #[redacted]. The require document to exclude a departing residence to be sold after closing are missing. | Reviewer Comment (2026-06-03): Received appraisal and Listing Agreement received and verified. Exception cleared. Buyer Comment (2026-06-01): Please see attached valuation on departing residence. Reviewer Comment (2026-05-14): A valuation report for the departing residence to verify at least [redacted]f% equity after deduction of all liens outstanding against the property is required and further conditions may apply. Exception remains. Buyer Comment (2026-05-12): Please see copy of listing agreement to verify intent to sell. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225460251 | [Redacted] | [Redacted] | 36278875 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI difference due to departure residence property #[redacted].The require document to exclude a departing residence to be sold after closing are missing. | Reviewer Comment (2026-06-03): Received appraisal and Listing Agreement received and verified. Exception cleared. Buyer Comment (2026-06-01): Please see attached valuation on departing residence. Reviewer Comment (2026-05-14): A valuation report for the departing residence to verify at least [redacted]f% equity after deduction of all liens outstanding against the property is required and further conditions may apply. Exception remains. Buyer Comment (2026-05-12): Please see copy of listing agreement to verify intent to sell. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225460251 | [Redacted] | [Redacted] | 36278877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR failure due to departure residence property #[redacted]. The require document to exclude a departing residence to be sold after closing are missing. | Reviewer Comment (2026-06-03): Received appraisal and Listing Agreement received and verified. Exception cleared. Buyer Comment (2026-06-01): Please see attached valuation on departing residence. Reviewer Comment (2026-05-14): EXCEPTION HISTORY - Exception Detail was updated on [redacted]f PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-05-14): A valuation report for the departing residence to verify at least [redacted]f% equity after deduction of all liens outstanding against the property is required and further conditions may apply. Exception remains. Buyer Comment (2026-05-12): Please see copy of listing agreement to verify intent to sell. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225460251 | [Redacted] | [Redacted] | 36294815 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The transmittal summary comments indicates that a lender exception was approved for reserve requirement, but a copy of the lender exception document is missing. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-14): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-12): Please see attached Exception |
05/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225460405 | [Redacted] | [Redacted] | 36278571 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-13): [redacted]freceived COC dated [redacted]fand CD dated[redacted] Buyer Comment (2026-05-12): [redacted]frevised cd upld, valid coc for extension fee was provided on [redacted] Reviewer Comment (2026-05-12): [redacted]freceived COC dated [redacted]f.However, the fee increased on CD dated [redacted]f for $[redacted]f. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-05-11): please cancel. the coc and supporting lock for the additional extension fee were provided on [redacted] & [redacted]. |
05/13/2026 | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225460405 | [Redacted] | [Redacted] | 36278572 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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. | Reviewer Comment (2026-05-28): [redacted]freceived Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): pccd docs upld |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225460405 | [Redacted] | [Redacted] | 36278573 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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. | Reviewer Comment (2026-05-12): [redacted]freceived a valid COC. Buyer Comment (2026-05-11): coc details upld |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225460550 | [Redacted] | [Redacted] | 36297010 | Credit | Credit | Credit Eligibility | Credit | Refi Purpose reflects Rate/Term and cash out is greater than the lesser of [redacted]% of the loan amount or $[redacted]. | Approval documents indicate rate/term however borrower received cash back at closing. | Reviewer Comment (2026-07-02): New documentation updating the loan purpose to cash out, cleared Buyer Comment (2026-07-02): please see attached revised [redacted]f reflecting cash out |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225460550 | [Redacted] | [Redacted] | 36297037 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Refinance purpose discrepancy. | Approval documents indicate rate/term however borrower received cash back at closing. | Reviewer Comment (2026-07-02): New documentation updating the loan purpose to cash out, cleared Buyer Comment (2026-07-02): please see attached revised [redacted]f reflecting cash out Reviewer Comment (2026-05-21): DD is unable to clear. There is no breakdown of the cash to borrower showing any escrow rebates etc. Based on the closing statement provided, the loan transaction must be classified as a cash out based on lenders guides. Buyer Comment (2026-05-19): The $[redacted]fcash-to-borrower includes escrow/impound refunds and prepaid item reconciliations, which are not loan proceeds and should be excluded from the cash-out test. When properly calculated based on net loan proceeds versus payoff and closing costs, there is no equity extraction and the transaction remains Rate/Term. We request the determination be revised to reflect guideline-compliant net proceeds analysis. Reviewer Comment (2026-05-08): Per guides, if Cash to borrower is Higher than the greater of [redacted]f threshold would be considered as cash out. Exception remains Buyer Comment (2026-05-06): The loan is correctly classified as a Rate/Term Refinance, and the cash to borrower at closing does not exceed allowable thresholds under agency and non-QM/Alt-A guidelines. The borrower received $[redacted]f, which is within the permissible incidental cash back limits for a rate/term refinance. The proceeds were primarily used to satisfy the existing lien ($[redacted]fpayoff) and cover standard closing costs and prepaid items. The cash back is the result of normal payoff variance and prorations, not a structured equity extraction. Per guideline definitions, a transaction is only considered cash-out when proceeds exceed allowable incidental cash limits or when equity is intentionally withdrawn. That is not the case here. Therefore, the loan purpose remains accurately documented as Rate/Term Refinance, and reclassification to Cash-Out is not warranted. Please clear this condition accordingly |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225462752 | [Redacted] | [Redacted] | 36296295 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Failure due to increase in Title - Lenders title insurance and the recording fee. File has no valid change of circumstance and no cure was provided. | Reviewer Comment (2026-05-28): [redacted]freceived Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): pccd docs upld Reviewer Comment (2026-05-14): [redacted]freceived PCCD and LOE, however we still require cure of $[redacted]fis required as on initial LE Title - lenders insurance fee disclosed as $[redacted]fand on increased to $[redacted]f. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-05-13): pccd docs upld, please review and confirm acceptable and we will provide to bwr and upld proof of delivery. Reviewer Comment (2026-04-28): [redacted]freceived rebuttal comment and final SS which shows the simultaneous amount of Lender's title policy amount. However, the final CD shows the full rate premium amount of Lender's Title Insurance of $[redacted]fpaid by borrower causing the [redacted]f% cure. A corrected PCCD reconciled with final SS is required along with the LOE to borrower. Buyer Comment (2026-04-27): please see final settlement statement and re-calculate the [redacted]f% tolerance violation, the final lenders title amount charged was $[redacted]f |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225463538 | [Redacted] | [Redacted] | 36284271 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy is due to non-occupant CB's PITIA expense for primary residence counted twice in the lender's DTI calculation | Reviewer Comment (2026-04-23): Property expenses $[redacted]consider twice, now we received updated 1008, Exception cleared. Buyer Comment (2026-04-21): Please see attached. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225463538 | [Redacted] | [Redacted] | 36284279 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI discrepancy. | Reviewer Comment (2026-04-23): Property expenses $[redacted]consider twice, now we received updated 1008, Exception cleared. Buyer Comment (2026-04-21): [redacted]fcondition. Please clear. |
04/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225463538 | [Redacted] | [Redacted] | 36284280 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | DTI discrepancy is due to non-occupant CB's PITIA expense for primary residence counted twice in the lender's DTI calculation. | Reviewer Comment (2026-04-23): Property expenses $[redacted]consider twice, now we received updated 1008, Exception cleared. Buyer Comment (2026-04-21): [redacted]fcondition. Please clear. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225463538 | [Redacted] | [Redacted] | 36284283 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate | Reviewer Comment (2026-05-21): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-05-20): Please see attached Reviewer Comment (2026-05-13): Please re-upload PCCD for review. Thanks. Buyer Comment (2026-05-12): Please see attached. |
05/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225463538 | [Redacted] | [Redacted] | 36284284 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | 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 (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | 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 | Reviewer Comment (2026-05-21): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-05-20): [redacted]. Please clear. Reviewer Comment (2026-05-13): Please re-upload PCCD for review. Thanks. Buyer Comment (2026-05-12): Pleae see attached. |
05/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225463818 | [Redacted] | [Redacted] | 36284669 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided | Borrower is not a [redacted] citizen. Provide an identification document to verify citizenship. (Visa, Passport, Resident Alien Card or Employment authorization) | Reviewer Comment (2026-06-15): Borrower is permanent resident, received permanent resident alien card. Exception Cleared. Buyer Comment (2026-06-12): Please see attached. Reviewer Comment (2026-05-19): Final Application for[redacted] has been crossed on [redacted] and Permanent Resident Alien has been selected with initials. Permanent Resident Card or Updated final 1003 with correct Citizenship is required. Exception remains. Buyer Comment (2026-05-15): Please review the 1003. Our client is a US citizen. Please waive condition. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225463818 | [Redacted] | [Redacted] | 36284670 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Borrower is not a [redacted] citizen. Provide an identification document to verify citizenship. (Visa, Passport, Resident Alien Card or Employment authorization) | Reviewer Comment (2026-06-15): Borrower is permanent resident, received permanent resident alien card. Exception cleared. Buyer Comment (2026-06-12): [redacted] Reviewer Comment (2026-05-19): Final Application for[redacted] has been crossed on[redacted]and Permanent Resident Alien has been selected with initials. Permanent Resident Card or Updated final 1003 with correct Citizenship is required. Exception remains. Buyer Comment (2026-05-15): [redacted]condition. Please clear |
06/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225463818 | [Redacted] | [Redacted] | 36284671 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. | - | Borrower is not a [redacted] citizen. Provide an identification document to verify citizenship. (Visa, Passport, Resident Alien Card or Employment authorization) | Reviewer Comment (2026-06-15): Borrower is permanent resident, received permanent resident alien card. Exception Cleared. Buyer Comment (2026-06-12): [redacted] Reviewer Comment (2026-05-19): Final Application for[redacted] has been crossed on [redacted] and Permanent Resident Alien has been selected with initials. Permanent Resident Card or Updated final 1003 with correct Citizenship is required. Exception remains. Buyer Comment (2026-05-15): [redacted]condition. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225465748 | [Redacted] | [Redacted] | 36293022 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reserve requirement of $[redacted] ([redacted] months of subject property + [redacted] month of each additional REO) not met. Lender qualified with balance $[redacted] of account #[redacted] as of [redacted], but the balance as of [redacted] is $[redacted]. | Reviewer Comment (2026-07-15): Cleared. Received PCCD reflecting realtor credit. Reviewer Comment (2026-07-15): exception remains. File would require letter to borrower and a refund check for any overage the borrower paid and evidence of borrower receipt to allow for reduced funds at closing. Unable to utilize the closing statement on a TRID file. Buyer Comment (2026-07-13): This loan is a [redacted]table-funded transaction. No refund check was issued to the borrower because no refund was due or required at closing. As a result, there is no canceled check or other evidence of a refund to provide. Please clear condition. Reviewer Comment (2026-07-13): Received a PCCD and letter to borrower however and a refund check for any overage the borrower paid and evidence of deliver to the borrower was not provided. Buyer Comment (2026-07-09): Please see attached. Reviewer Comment (2026-07-01): File would require a PCCD, letter to borrower and a refund check for any overage the borrower paid and evidence of borrower receipt to allow for reduced funds at closing. Unable to utilize the closing statement on a TRID file. Buyer Comment (2026-06-29): Please see final settlement statement which shows the credit given by the agent. Please clear condition. Reviewer Comment (2026-06-22): The final closing disclosure provided on [redacted] does not show any agent credit and cash to close was [redacted], also the final closing statement is not signed by any parties or stamped certified by closing agent. Please provide 1. Post close closing disclosure with added agent credit 2.Final signed/stamped closing statement. 3. contract addendum with agent credit to buyer mentioned. Buyer Comment (2026-06-18): Please see attached. Reviewer Comment (2026-06-15): The borrower has total reserves of [redacted], calculated as follows: ([redacted] + U[redacted]) + EMD - calculated cash to close [redacted]). The required reserve is [redacted]; therefore, the available assets are insufficient to meet the reserve requirement. Exception remains. Buyer Comment (2026-06-12): Are you saying that the difference where we are off is [redacted] Reviewer Comment (2026-05-19): Cash to close requirement is [redacted] and reserve requirement [redacted] hence assets are insufficient to meet reserve requirement. Exception remains. Buyer Comment (2026-05-18): Please see attached for the reserves. Based on our calculations, there should be enough in assets for reserves. Buyer Comment (2026-05-15): Please view the cash out for the loan. This should cover the reserves needed. Please clear condition. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225465748 | [Redacted] | [Redacted] | 36293023 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Reserve requirement of $[redacted] ([redacted] months of subject property + [redacted] month of each additional REO) not met. Lender qualified with balance $[redacted] of account #[redacted] as of [redacted], but the balance as of [redacted] is $[redacted]. | Reviewer Comment (2026-07-15): Cleared. Received PCCD reflecting realtor credit. Reviewer Comment (2026-07-15): exception remains. File would require letter to borrower and a refund check for any overage the borrower paid and evidence of borrower receipt to allow for reduced funds at closing. Unable to utilize the closing statement on a TRID file. Buyer Comment (2026-07-13): This loan is a [redacted]table-funded transaction. No refund check was issued to the borrower because no refund was due or required at closing. As a result, there is no canceled check or other evidence of a refund to provide. Please clear condition. Reviewer Comment (2026-07-13): Received a PCCD and letter to borrower however and a refund check for any overage the borrower paid and evidence of deliver to the borrower was not provided. Buyer Comment (2026-07-09): [redacted] Reviewer Comment (2026-07-01): File would require a PCCD, letter to borrower and a refund check for any overage the borrower paid and evidence of borrower receipt to allow for reduced funds at closing. Unable to utilize the closing statement on a TRID file. Buyer Comment (2026-06-29): [redacted] Reviewer Comment (2026-06-22): The final closing disclosure provided on [redacted] does not show any agent credit and cash to close was [redacted], also the final closing statement is not signed by any parties or stamped certified by closing agent. Please provide 1. Post close closing disclosure with added agent credit 2.Final signed/stamped closing statement. 3. contract addendum with agent credit to buyer mentioned. Buyer Comment (2026-06-18): [redacted] Reviewer Comment (2026-05-19): Cash to close requirement is [redacted] and reserve requirement [redacted] hence assets are insufficient to meet reserve requirement. Exception remains. Buyer Comment (2026-05-18): Waterfall condition. Please clear. Buyer Comment (2026-05-15): [redacted] condition. Please clear. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225466155 | [Redacted] | [Redacted] | 36293301 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] with no valid change of circumstances and no cure was provided to borrower | Reviewer Comment (2026-05-28): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): pccd docs upld |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225466155 | [Redacted] | [Redacted] | 36306379 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception for [redacted]% LTV (vs. Guideline max of [redacted]% LTV for [redacted] second home) | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-20): Lender approved exception for [redacted] % LTV (vs. Guideline max of [redacted]% LTV for condo unit) |
04/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225466156 | [Redacted] | [Redacted] | 36293089 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Fee amounts included in Finance Charge calculation exceeds due to Loan safe Report $[redacted] and Tax Return Fee $[redacted]. | Reviewer Comment (2026-06-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-06-25): Please see attached. Reviewer Comment (2026-06-16): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. Buyer Comment (2026-06-15): Please see attached. |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225466156 | [Redacted] | [Redacted] | 36293090 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | 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 (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Fee amounts included in Finance Charge calculation exceeds due to Loan safe Report $[redacted] and Tax Return Fee $[redacted]. | Reviewer Comment (2026-06-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-06-25): [redacted] Reviewer Comment (2026-06-16): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. Buyer Comment (2026-06-15): [redacted]. |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225466156 | [Redacted] | [Redacted] | 36293091 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification Of Tax Return 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 cure provided at closing. | Reviewer Comment (2026-06-17): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-15): [redacted]. |
06/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225466157 | [Redacted] | [Redacted] | 36293033 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-05-04): Received proof of appraisal receipt. Exception Cleared. Buyer Comment (2026-04-30): Appraisal proof of receipt |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225466157 | [Redacted] | [Redacted] | 36293034 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] is missing evidence of receipt. | Reviewer Comment (2026-05-04): Received proof of appraisal receipt. Exception Cleared. Buyer Comment (2026-04-30): See Appraisal proof of receipt |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225466157 | [Redacted] | [Redacted] | 36293036 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | HPML Disclosure was not provided. | Buyer Comment (2026-06-04): Ok to waive per [redacted] Reviewer Comment (2026-05-04): [redacted] Higher-Priced Mortgage Loan (HPML) Disclosure has not been provided. Borrower acknowledgment of the [redacted] HPML Disclosure, including written disclosure of non-HPML loan options for which the borrower may qualify, is required to satisfy [redacted] state compliance requirements. Exception Remains. Buyer Comment (2026-04-30): See Appraisal proof of receipt |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225466157 | [Redacted] | [Redacted] | 36293037 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | {redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher-Priced Loan. | Buyer Comment (2026-06-04): Ok to waive per [redacted] Reviewer Comment (2026-05-04): [redacted] Higher-Priced Mortgage Loan (HPML) Disclosure has not been provided. Borrower acknowledgment of the [redacted] HPML Disclosure, including written disclosure of non-HPML loan options for which the borrower may qualify, is required to satisfy [redacted] state compliance requirements. Exception Remains. Buyer Comment (2026-04-30): See Appraisal proof of receipt |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225466157 | [Redacted] | [Redacted] | 36293038 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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. | Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-06-10): Corrected COC reason. Lender exception was created and program changed. condition cleared. Buyer Comment (2026-06-10): Exception Reviewer Comment (2026-06-08): [redacted] received rebuttal stating "pricing concession added and pricing exceptions required due to need for UW exception outside guidelines" we would require additional information about the UW exceptions along with supporting documents in order to clear the exception. Buyer Comment (2026-06-04): Rebuttal |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225466157 | [Redacted] | [Redacted] | 36293039 | 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 [redacted] business days prior to closing. | Loan Estimate provided on [redacted] was not received by the borrower within [redacted] business days prior to closing. | Reviewer Comment (2026-05-01): [redacted] received consent for revised LE. Buyer Comment (2026-04-30): Disclosure Tracking |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225466157 | [Redacted] | [Redacted] | 36293041 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-06-12): [redacted] Received Valid Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-06-11): PCCD with letter. Please see attached lox\pccd moving 3rd party pest inspection fee to section [redacted]. Please remove from your calculations as this is a third party non apr fee. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225466157 | [Redacted] | [Redacted] | 36293046 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not provided. | Reviewer Comment (2026-05-13): Hazard Insurance Policy document received and verified. Exception cleared. Buyer Comment (2026-05-11): Hazard |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225466762 | [Redacted] | [Redacted] | 36298366 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | As per 1008, exception approved for borrower is in the [redacted] industry, missing exception request and approval form. | Reviewer Comment (2026-05-04): Lender Exception document provided and associated. Exception Cleared Buyer Comment (2026-05-01): Exception |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225466762 | [Redacted] | [Redacted] | 36298376 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225466762 | [Redacted] | [Redacted] | 36392358 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception is approved for: Section [redacted]and Section [redacted]-- Requires exception as borrower's business is in the [redacted] -- she is qualifying off of [redacted] business; [redacted] and [redacted]. I do know they are in the [redacted] industry, but when I try to enter their website, [redacted] has it blocked or I would give further detail. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-13): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-11): exception |
05/13/2026 | Yes | 2 | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225469411 | [Redacted] | [Redacted] | 36304050 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee increased from $[redacted] on initial CD to $[redacted] on final CD. No valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-05-18): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-05-15): Please see attached final CD which shows the credit of [redacted] |
05/18/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225469411 | [Redacted] | [Redacted] | 36304051 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee not disclosed on initial or final LE's. No valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-06-16): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-15): Please see attached. |
06/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225469411 | [Redacted] | [Redacted] | 36304052 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM disclosure signed on [redacted]. Application date is shown as [redacted]. | Reviewer Comment (2026-05-19): Disclosure was sent on [redacted] and signed on [redacted] Buyer Comment (2026-05-15): When it was determined that the loan was going to be locked on an ARM [redacted] the ARM disclosure was sent out. Please clear condition. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225469419 | [Redacted] | [Redacted] | 36301003 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report 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. Cure was provided at closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Investment | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | N/A | N/A | Yes | |||||||||
| 225469419 | [Redacted] | [Redacted] | 36301056 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Provide an updated Hazard Insurance Policy with correct City name "[redacted]". | Reviewer Comment (2026-07-01): Master Policy received with correct address, Exception Cleared. Buyer Comment (2026-06-30): Please see attached Blanket policy with the correct city and zip Reviewer Comment (2026-05-21): The ZIP code and city name in Master policy doc id [redacted] is not matching with subject property Note. Required Master policy of subject property with correct city name and ZIP code. Exception remains. Buyer Comment (2026-05-19): Please see attached HOI showing city as [redacted](Not [redacted]City as indicated in the condition). |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225469419 | [Redacted] | [Redacted] | 36301057 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Provide an updated Hazard Insurance Policy with correct City name "[redacted]". | Reviewer Comment (2026-05-21): The Valuation report received with correct City name and verified. Exception cleared. Buyer Comment (2026-05-19): Please see corrected appraisal correcting city from [redacted] City to [redacted] (Not [redacted] City as indicated in the condition). |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225469848 | [Redacted] | [Redacted] | 36301380 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase agreement not provided. | Reviewer Comment (2026-05-15): updated and associated document Buyer Comment (2026-05-13): The Purchase Memo is what the manufactured housing dealer uses for their purchase contract. This was a new manufactured home purchase directly from the manufactured housing dealer, [redacted] Reviewer Comment (2026-05-05): Received purchase memo instead of purchase contract, please provide purchase contract, Exception remains. Buyer Comment (2026-05-04): Purchase contract |
05/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225469848 | [Redacted] | [Redacted] | 36301404 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance document not provided. | Reviewer Comment (2026-05-05): Received letter of explanation document for HOI of REO property Address: "[redacted] information validated. Exception Cleared. Buyer Comment (2026-05-04): HOI Letter |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225469848 | [Redacted] | [Redacted] | 36301441 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent agreement not provided. | Reviewer Comment (2026-05-05): Received E-consent Document, Exception Cleared. Buyer Comment (2026-05-04): eConsent |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225469848 | [Redacted] | [Redacted] | 36301514 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-22): The proof of appraisal delivery received for original Appraisal. Exception cleared. Buyer Comment (2026-05-20): Appraisal received Reviewer Comment (2026-05-15): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. Reviewer Comment (2026-05-14): Require proof/receipt which confirms copy of appraisal deliver to borrower from [redacted]business days prior to closing date for Preliminary appraisal report date [redacted] . Exception Remains. Buyer Comment (2026-05-12): Right to Receive Reviewer Comment (2026-05-05): Please provide right to receive copy of appraisal within [redacted]days before the closing, Exception remains. Buyer Comment (2026-05-04): CDA was sent an viewed |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225469848 | [Redacted] | [Redacted] | 36301515 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Proof of delivery of Desk Review not provided. | Reviewer Comment (2026-05-22): The proof of appraisal delivery received for original Appraisal. Exception cleared. Buyer Comment (2026-05-20): Appraisal received Reviewer Comment (2026-05-14): Require proof/receipt which confirms copy of appraisal deliver to borrower from [redacted] business days prior to closing date for Preliminary appraisal report date [redacted] . Exception Remains. Buyer Comment (2026-05-12): See right to receive Reviewer Comment (2026-05-05): Please provide right to receive copy of appraisal within [redacted]days before the closing, Exception remains. Buyer Comment (2026-05-04): See proof CDA sent |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225469848 | [Redacted] | [Redacted] | 36301516 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] 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 (2026-05-21): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-20): Delivered [redacted] Reviewer Comment (2026-05-13): [redacted] received PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-05-12): PCCD with cure |
05/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225469848 | [Redacted] | [Redacted] | 36301517 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-21): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-20): See PCCD with cure |
05/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225469848 | [Redacted] | [Redacted] | 36301518 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was last disclosed as $[redacted] on the Loan Estimate but appears as $[redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance or evidence of a tolerance cure. A post-close Closing Disclosure reflecting the $[redacted] fee was provided; however, the tolerance cure of $[redacted] , including a refund check, proof of delivery, and a letter of explanation to the borrower regarding the fee change, is required but not present in the file. | Reviewer Comment (2026-05-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-04): See [redacted] page [redacted] for consummation CD , bottom of page [redacted] is the cure |
05/05/2026 | 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 | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225470376 | [Redacted] | [Redacted] | 36412900 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-20): Provided E-sign agreement Buyer Comment (2026-05-19): Please see attached EConsent |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412901 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement, Tax certificate, insurance, Homeowners Association verification for [redacted]. | Reviewer Comment (2026-05-21): Received Mortgage Statement, Tax Verification, Insurance Verification and HOA Verification for the property "[redacted]". Exception cleared. Buyer Comment (2026-05-19): See attached REO docs for [redacted] Way property |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412902 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-05-21): Received Appraisal Report for the subject property. Exception cleared. Buyer Comment (2026-05-19): Appraisal attached |
05/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412904 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-12): Received supplemental title report with policy amount which is matching with loan amount. Exception cleared. Buyer Comment (2026-06-11): Please see attached title with the correct policy amount |
06/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412906 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | File is missing credit report and Non-REO documentation. Unable to verify all liabilities and if any liabilities were paid prior to closing to lower debt-to-income ratio. Per the final 1003, total all monthly payments is $[redacted]; however, current calculated total all monthly payments is $[redacted]. | Reviewer Comment (2026-06-03): DTI within tolerance. Exception cleared. Buyer Comment (2026-06-01): Please exclude the PITI on the borrower's departing residence as we are using the Departing Residence guidelines. Appraisal on property provided in [redacted] and Listing agreement found in [redacted] . |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412910 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-06-03): Received credit report. Exception cleared. Buyer Comment (2026-06-01): Please see attached merged credit report. Reviewer Comment (2026-05-21): Received Credit Supplement instead of full Credit Report. Exception remains. Buyer Comment (2026-05-19): Credit report and supplement attached |
06/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412911 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-05-21): Received Flood Certificate. Exception cleared. Buyer Comment (2026-05-19): Flood cert attached |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412912 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Reviewer Comment (2026-05-21): Received Purchase Agreement. Exception cleared. Buyer Comment (2026-05-19): contract attached Buyer Comment (2026-05-19): contract docs attached |
05/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412913 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2026-05-21): Received Appraisal Report for the subject property. Exception cleared. Buyer Comment (2026-05-19): Please see attached appraisal in trailing docs |
05/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412914 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing Closing Disclosure from [redacted] loan. | Reviewer Comment (2026-05-21): Received Closing Disclosure for Bride Loan. Exception cleared. Buyer Comment (2026-05-19): [redacted]loan CD attached |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412919 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | File is missing credit report and Non-REO documentation. Unable to verify all liabilities and if any liabilities were paid prior to closing to lower debt-to-income ratio. Per the final 1003, total all monthly payments is $[redacted]; however, current calculated total all monthly payments is $[redacted]. | Reviewer Comment (2026-06-03): DTI within tolerance. Exception cleared. Buyer Comment (2026-06-01): Please exclude the PITI on the borrower's departing residence as we are using the Departing Residence guidelines. Appraisal on property provided in [redacted] and Listing agreement found in [redacted] . |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412922 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing appraisal, credit report, mortgage statement, taxes, and insurance documentation for Non-REO. | Reviewer Comment (2026-06-03): Received all documents. Exception cleared. Buyer Comment (2026-06-01): Please see full merged credit report attached. All other documents have been provided. Reviewer Comment (2026-05-21): Received Credit Supplement instead of full Credit Report. Exception remains. Buyer Comment (2026-05-19): This is not an AUS loan and I'm not clear what you mean by "mortgage statement, taxes, and insurance documentation for Non-REO". Other docs have been attached and found in trailing docs |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412936 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Missing Rate Lock. | Reviewer Comment (2026-05-21): Received [redacted] Rate Lock. Exception cleared. Buyer Comment (2026-05-19): See attached lock form |
05/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412937 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Flood certificate is missing from the file. | Reviewer Comment (2026-05-21): Received Flood Certificate. Exception cleared. Buyer Comment (2026-05-19): Flood Cert Attached in Trailing docs |
05/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412938 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date using the following dates: [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], [redacted]. Lookback testing performed up to {redacted] of the following: TRID start date, TIL/MDIA [redacted] start date, RESPA [redacted]start date, TIL/MDIA [redacted]start date, LOS Application Date, Broker Application Date, or [redacted] months prior to consummation. | Missing initial 1003. | Reviewer Comment (2026-05-21): Received 1003 Initial Application. Exception cleared. Buyer Comment (2026-05-19): Please see attached initial 1003s |
05/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412939 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Missing initial 1003. | Reviewer Comment (2026-05-21): Received 1003 Initial Application. Exception cleared. Buyer Comment (2026-05-19): 1003 attached to trailing docs. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412940 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing verification of employment within [redacted] business days of the Note date for co-borrower, missing Closing Disclosure from [redacted] loan to verify final funds, missing credit report, and missing appraisal. | Reviewer Comment (2026-06-03): DTI within tolerance. Exception cleared. Buyer Comment (2026-06-01): Please see full merged credit report attached. All other documents have been provided. |
06/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225470376 | [Redacted] | [Redacted] | 36412941 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to missing verification of employment within [redacted] business days of the Note date for co-borrower, missing Closing Disclosure from [redacted] loan to verify final funds, missing credit report, and missing appraisal. | Reviewer Comment (2026-06-03): DTI within tolerance. Exception cleared. Buyer Comment (2026-06-01): Please exclude the PITI on the borrower's departing residence as we are using the Departing Residence guidelines. Appraisal on property provided in [redacted] and Listing agreement found in [redacted]. Reviewer Comment (2026-05-21): [redacted]due to DTI [redacted] is greater than lender's DTI [redacted] and missing Credit Report. Exception remains. Buyer Comment (2026-05-19): 10 Day VVOE's attached |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412944 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted] significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Final 1003 shows Bank statement income of [Redacted] months of bank statements were provided for A/C #[Redacted] Calculated bank statement income is [Redacted] Business Bank statement [Redacted] was provided but not considered for income due to consecutive [Redacted] months of bank statements not provided. Unable to determine the reason for discrepancy due to a missing income worksheet. Also, due to missing 1008 approval, unable to determine all reasons for DTI discrepancy. | Reviewer Comment (2026-06-03): DTI within tolerance. Exception cleared. Buyer Comment (2026-06-01): Based on the figures in Clarity, it appears the discrepancy is due to included the PITI on the departing residence. Please exclude the PITI on the borrower's departing residence as we are using the Departing Residence guidelines. Appraisal on property provided in [redacted] and Listing agreement found in [redacted]. [redacted] Pushed back on ratios as investor had included departing residence in total DTI. Called out where appraisal and listing contract were found in Acuity. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412945 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of employment within [Redacted] business days of the Note date for co-borrower, missing Closing Disclosure from [redacted] loan to verify final funds, missing credit report, and missing appraisal. | Reviewer Comment (2026-05-21): Received third party verification of employment for co-borrower within [redacted] business day of the Note, Closing Disclosure for Bride Loan and Mortgage Statement, Tax Verification, Insurance Verification and HOA Verification for the property "[redacted]". Exception cleared. Buyer Comment (2026-05-19): All docs attached in trailing docs |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412946 | 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 [redacted] business days prior to closing. | Missing Initial Closing Disclosure. Only final Closing Disclosure is provided. | Reviewer Comment (2026-06-02): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-06-01): Please see attached Initial Closing Disclosure. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225470376 | [Redacted] | [Redacted] | 36412947 | 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 [redacted] 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. | File is missing initial 1003. | Reviewer Comment (2026-05-20): Provided e-sign agreement |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225470376 | [Redacted] | [Redacted] | 36412948 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Missing settlement service provider list. | Reviewer Comment (2026-06-02): [redacted] Received copy of [redacted]. |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | No Defined Cure | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225470376 | [Redacted] | [Redacted] | 36412949 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of [Redacted] plus [Redacted]% or [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Missing settlement service provider list. Unable to determine if the borrower shopped for services. | Reviewer Comment (2026-06-02): [redacted] Received copy of [redacted] and borrower within tolerance limit. Buyer Comment (2026-06-01): Please see attached SSLP. Borrower shopped for services outside of the SSPL therefore we are not held to the tolerance. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225470376 | [Redacted] | [Redacted] | 36412950 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Missing ARM Disclosure. | Reviewer Comment (2026-05-21): Received ARM Disclosure. Exception cleared. Buyer Comment (2026-05-19): Please see attached ARM disclosure dated [redacted] the same date the borrower locked the loan as an ARM (previously floating as a fixed rate) |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225470376 | [Redacted] | [Redacted] | 36412951 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Missing CHARM booklet. | Reviewer Comment (2026-05-21): Received [redacted] Disclosure. Exception cleared. Buyer Comment (2026-05-19): Please see attached ARM disclosure dated [redacted] the same date the borrower locked the loan as an ARM (previously floating as a fixed rate) |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225470376 | [Redacted] | [Redacted] | 36419664 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing Closing Disclosure from [redacted] loan to verify final funds. | Reviewer Comment (2026-05-21): Received Closing Disclosure for Bride Loan. Exception cleared. Buyer Comment (2026-05-19): CD From [redacted]loan attached in trailing docs |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225470376 | [Redacted] | [Redacted] | 36419665 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing verbal verification of employment for co-borrower dated no more than [Redacted] business days prior to the Note date. | Reviewer Comment (2026-05-21): Received [redacted]party verification of employment for co-borrower within [redacted] business day of the Note. Exception cleared. Buyer Comment (2026-05-19): VVOES within [redacted] days of close are provided in trailing docs |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225470376 | [Redacted] | [Redacted] | 36425032 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided to permit an [Redacted]% LTV - $[Redacted] loan amount. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-19): Please clear exception found in Acuity |
05/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||
| 225470376 | [Redacted] | [Redacted] | 36425046 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for large deposit into [Redacted] came from a business loan of $[Redacted]and should be backed out per guidelines but we need assets to close. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-03): Client elects to waive with compensating factors. Buyer Comment (2026-06-01): Fund to close came from the proceeds of the Bridge loan of [redacted] |
06/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||
| 225470376 | [Redacted] | [Redacted] | 36549643 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec [Redacted] | Reviewer Comment (2026-06-03): Received second appraisal. Exception cleared. Buyer Comment (2026-06-01): [redacted] full appraisals were completed on the property, please see attached for the missing appraisal. |
06/03/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||||||||
| 225473481 | [Redacted] | [Redacted] | 36306237 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | An exception has been raised that the non-warrantable condo is due to minor litigation. Compensating Factors: 1. FICO [Redacted]points or more above requirement. 2. Total debt [Redacted]% or more under requirements. 3. Residual Income $[Redacted] or more. 4. Reduction in Housing/Mortgage payment. 5. Minimal Consumer debt. We previously received an exception for the same project and borrower for their purchase. However, the borrower ended up paying cash, and we are now doing their cash-out refinance. The project is non-warrantable under [redacted] Expanded guidelines. The exception has been approved along with the following conditions: 1. Max LTV [Redacted]%. 2. [Redacted] per the rate sheet. 3. Subject to meeting all technical refinance requirements. 4. Document reserve requirements with [redacted] Expanded UW guidelines. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-22): Lender Exception with Compensating Factors provided. |
04/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225473481 | [Redacted] | [Redacted] | 36306373 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-11): Original appriasal and proof of receipt received. Buyer Comment (2026-06-09): Original appraisal and proof of receipt Reviewer Comment (2026-05-11): Appraisal report date is [redacted] and appraisal received by borrower is on [redacted] which is not within [redacted] business days prior to the note date of [redacted]. Exception remains. Buyer Comment (2026-05-07): Appraisal Receipt / viewed |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225473481 | [Redacted] | [Redacted] | 36306374 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | The creditor did not provide a copy of each valuation to the applicant [redacted]business days prior to consummation. | Reviewer Comment (2026-06-11): Original appriasal and proof of receipt received. Reviewer Comment (2026-05-11): Appraisal report date is [redacted] and appraisal received by borrower is on [redacted] which is not within [redacted] business days prior to the note date of [redacted] Exception remains. Buyer Comment (2026-05-07): See appraisal receipt |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473481 | [Redacted] | [Redacted] | 36306489 | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of [Redacted]% of the loan amount or $[Redacted]. | Cash to Borrower: ___; Total Cash Out: ___; Refi Purpose: ___ | Refinance purpose reflects Rate/Term and cash out greater than the lesser of [Redacted]% of the loan amount or $[Redacted]. | Reviewer Comment (2026-05-07): Delayed Financing Buyer Comment (2026-05-05): This is delayed financing |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473481 | [Redacted] | [Redacted] | 36418464 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy - LTV | Reviewer Comment (2026-05-07): Cleared. updated for delayed financing value |
05/07/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225473481 | [Redacted] | [Redacted] | 36714183 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | EV2 exception for revised appraisal was not provided within [Redacted] business days of closing. | Buyer Comment (2026-06-11): Ok to waive per CNR |
06/11/2026 | No | 2 | B | B | B | B | B | FL | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225473488 | [Redacted] | [Redacted] | 36305951 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A copy of the HOA Verification, Insurance Verification & Tax Verification was not found in the file. | Reviewer Comment (2026-06-29): HOA Verification, Insurance Verification & Tax Verification received. Exception cleared. Buyer Comment (2026-06-25): Please see attached. Reviewer Comment (2026-06-23): Please provide tax and insurance document, Exception remains. Buyer Comment (2026-06-22): Please see attached. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225473488 | [Redacted] | [Redacted] | 36306045 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Reviewer Comment (2026-05-11): Updated 1008 received with the corrected DTI, exception cleared Buyer Comment (2026-05-07): Please see attached. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225473488 | [Redacted] | [Redacted] | 36324252 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | A copy of the deed transferring the property to the borrower's is missing from the file. | Reviewer Comment (2026-05-27): Received Deeds / Warranty / Grant / Quit-Claim in file. Exception Cleared. Buyer Comment (2026-05-26): Please see attatched. |
05/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225473488 | [Redacted] | [Redacted] | 36324265 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a current mortgage statement for the first mortgage on this property. | Reviewer Comment (2026-07-02): Hazard insurance and verified. Exception cleared. Buyer Comment (2026-06-30): Please see attached insurance dec page. This should be the final document needed to clear this final condition. Reviewer Comment (2026-06-29): Required Most recent Mortgage statement, Taxe certificate and insurance policy if any as we are unable to verify that taxes and insurance are escrowed for primary property The provided tax certificate and hazard policy is for different property. Exception remains. Buyer Comment (2026-06-25): Please see attached Reviewer Comment (2026-05-11): Taxes and Insurance are not escrowed as per provided mortgage statements, provide tax and insurance document to verify the amounts. Exception remains Buyer Comment (2026-05-07): Please see attached. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225473512 | [Redacted] | [Redacted] | 36311217 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [Redacted] due to missing most recent dated, signed 1065 returns in file. | Reviewer Comment (2026-05-18): Income details for borrower have been corrected as per available document in file. Exception cleared. Buyer Comment (2026-05-14): Please see attached signed 1065 |
05/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473512 | [Redacted] | [Redacted] | 36311218 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | [Redacted] due to missing most recent dated, signed 1065 returns in file. | Reviewer Comment (2026-05-18): Income details for borrower have been corrected as per available document in file. Exception cleared. Buyer Comment (2026-05-14): Please see attached signed 1065 |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473512 | [Redacted] | [Redacted] | 36311219 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [Redacted] due to missing most recent dated, signed 1065 returns in file. | Reviewer Comment (2026-05-18): Income details for borrower have been corrected as per available document in file. Exception cleared. |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473512 | [Redacted] | [Redacted] | 36311220 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee. was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-05-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): Proof [redacted] delivered Buyer Comment (2026-05-27): Please see attached copy of Cure Check PCCD, Cover Letter and [redacted] in transit |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473512 | [Redacted] | [Redacted] | 36520435 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted] Tax Return Due Date [Redacted] | File is missing Audited YTD P&L, most recent year [Redacted] personal and business tax return in file | Reviewer Comment (2026-06-11): Cleared Reviewer Comment (2026-06-10): Sent for review Buyer Comment (2026-06-08): an Audited P & L has not been uploaded because it's not required. Extension was provided. Borrower provided the receipt of uploading the partnership extension to the IRS. Please see [redacted]. However, I have also uploaded [redacted] and [redacted]guidelines that show that applications taken between[redacted] recommend [redacted] tax returns however if not filed [redacted] return are acceptable. Since the [redacted] Plat guidelines do not specifically speak to return requirements we default to [redacted] standard guidance. Reviewer Comment (2026-06-03): Unable to locate Audited YTD P&L please provide Doc # Buyer Comment (2026-06-01): Extension was provided. Borrower provided the receipt of uploading the partnership extension to the IRS. Please see [redacted] . However, I have also uploaded [redacted] and [redacted] guidelines that show that applications taken between [redacted] recommend [redacted] tax returns however if not filed [redacted] return are acceptable. Since the [redacted] Plat guidelines do not specifically speak to return requirements we default to [redacted] standard guidance. Reviewer Comment (2026-06-01): Reviewed file still missing [redacted] business tax return or Extension (please provide Doc ID if provided) Require Audited YTD P&L, [redacted] business tax return in file to clear the exception as provided document is 1065 for year [redacted] which is already consider in file. Exception Remains. Buyer Comment (2026-05-28): This is incorrect. Borrower filed an extension for the year of [redacted] for business returns, and personal returns were not due at the time of application on this file therefore they are not required. Copy of the [redacted] business extension has been provided. Income calculation will be based on the tax returns already provided. Please escalate to your manager if you are not certain about this. Reviewer Comment (2026-05-28): Require Audited YTD P&L, Most recent year [redacted] personal and business tax return in file to clear the exception as provided document is 1065 for year [redacted] which is already consider in file. Exception Remains. Buyer Comment (2026-05-27): Please see attached proof extension filed. |
06/11/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225473515 | [Redacted] | [Redacted] | 36311172 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted] Non-Compliant Higher Priced Mortgage Loan. | HPML non-compliant due to appraisal report dated [Redacted] was not provided to borrower within [Redacted] business days prior to closing, and a second appraisal fee was charged to borrower in a flipped property transaction. | Reviewer Comment (2026-06-05): [redacted]appraisal fee cured, HPML Compliant. Buyer Comment (2026-06-04): please see attached lox, pccd and refund check for [redacted]appraisal fee Reviewer Comment (2026-05-29): Please provide the preliminary appraisal report received by borrower on [redacted] to verify there was no change in value. Also second appraisal was ordered due to flip transaction, and both the appraisals were improperly charged to borrower, one appraisal cost should have been covered by lender. Buyer Comment (2026-05-27): please see attached screen print from appraiser website. [redacted]appraisal created on[redacted]was received by borrower on [redacted]. then a clerical correction was made to the second appraisal on [redacted] clerical errors do not require a full [redacted]day wait Reviewer Comment (2026-05-07): Appraisal Report dated [redacted] delivered to borrower on[redacted] which is not within [redacted]business days prior to consummation. Exception remains. Buyer Comment (2026-05-05): Appraisal sent reviewed |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473515 | [Redacted] | [Redacted] | 36311173 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for [Redacted] appraisals. | Second appraisal fee was charged to borrower in a flipped property transaction. | Reviewer Comment (2026-06-05): [redacted] received evidence of the refund of the amount charged to the consumer for the [redacted]appraisal performed on the subject property. (copy of the Refund Check, Proof of Delivery, and Cover Letter) Buyer Comment (2026-06-04): please see attached lox, pccd and refund check for [redacted]appraisal fee Reviewer Comment (2026-06-03): Appraisal delivery confirmed. Exception remains due to [redacted]appraisal was ordered due to flip transaction, and both the appraisals were improperly charged to borrower, one appraisal cost should have been covered by lender. Buyer Comment (2026-06-01): sorry - [redacted] appraisal and not [redacted] Buyer Comment (2026-06-01): please see attached [redacted] [redacted]appraisal Reviewer Comment (2026-05-29): Please provide the preliminary appraisal report received by borrower on [redacted] to verify there was no change in value. Also [redacted]appraisal was ordered due to flip transaction, and both the appraisals were improperly charged to borrower, one appraisal cost should have been covered by lender. Buyer Comment (2026-05-27): please see attached screen print from appraiser website. [redacted]appraisal created on [redacted] was received by borrower on [redacted] then a clerical correction was made to the second appraisal on [redacted] clerical errors do not require a full [redacted]day wait Reviewer Comment (2026-05-07): Appraisal Report dated [redacted] delivered to borrower on [redacted] which is not within [redacted]business days prior to consummation and also fee for [redacted]appraisal was charged to borrower. Exception remains. Buyer Comment (2026-05-05): See appraisal receipts |
06/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473515 | [Redacted] | [Redacted] | 36311174 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Appraisal report dated [Redacted] was not provided to borrower within [Redacted] business days prior to closing. | Reviewer Comment (2026-06-03): Received preliminary appraisal with no change in value confirmed. Reviewer Comment (2026-05-29): Please provide the preliminary appraisal report received by borrower on [redacted] to verify there was no change in value. Buyer Comment (2026-05-27): **clarification to upload\comment below: second appraisal created on [redacted] was received by borrower on [redacted] then a clerical correction was made to the [redacted]appraisal on [redacted] clerical errors do not require a full [redacted]day wait Buyer Comment (2026-05-27): please see attached printout from appraiser website. a clerical correction was made to the [redacted] appraisal on [redacted] and viewed by borrower on [redacted] Reviewer Comment (2026-05-07): Appraisal Report dated [redacted] delivered to borrower on [redacted] which is not within [redacted]business days prior to consummation. Exception remains. Buyer Comment (2026-05-05): See appraisal receipts |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473515 | [Redacted] | [Redacted] | 36311176 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-04-20): Sufficient Cure Provided At Closing |
04/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225473515 | [Redacted] | [Redacted] | 36646803 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [Redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Revised Appraisal report dated [Redacted] was not provided within [Redacted] business days of closing. | Buyer Comment (2026-06-08): OK to waive, on approved waiver list Reviewer Comment (2026-06-05): This citing is generating due to the secondary appraisal was not provided to the borrower until [redacted] which is not [redacted] business days prior to closing. This is an [redacted] citing and may be waived by lender. Buyer Comment (2026-06-04): please see attached lox, pccd and refund check for [redacted]appraisal fee |
06/08/2026 | No | 2 | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225473775 | [Redacted] | [Redacted] | 36310079 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document was not found in file for REO property as [Redacted] | Reviewer Comment (2026-05-11): HOA verification document received. Buyer Comment (2026-05-07): Please see attached. |
05/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473775 | [Redacted] | [Redacted] | 36310408 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [Redacted] exceeds tolerance of $[Redacted] plus [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in recording fee. No valid Change of Circumstance was provided, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include [Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-04): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-03): Please see attached. Buyer Comment (2026-06-03): I am saying this particular fee was cured. The others have been refunded. Please clear THIS condition. Reviewer Comment (2026-06-01): [redacted]: Lender cure provided at closing of $[redacted]is insufficient to cure for all the citing [redacted]% and [redacted]% exception. We also required additional cure of $[redacted]for the appraisal fee, credit report fee exceeds of [redacted]% tolerance and recording fee exceeds [redacted]% tolerance. Buyer Comment (2026-05-30): Please see final CD where this has been credited. Please clear condition. |
06/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473775 | [Redacted] | [Redacted] | 36310409 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-04): Cured at closing or within [redacted]days of consummation prior to [redacted] Buyer Comment (2026-06-03): Please see attached. |
06/04/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473775 | [Redacted] | [Redacted] | 36310410 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: - [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-04): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-03): Please see attached. |
06/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473775 | [Redacted] | [Redacted] | 36310411 | 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 [redacted] [Redacted] business days from transaction date of [Redacted] | Subject loan transaction disbursed on [Redacted] prior to three business days from the transaction date of [Redacted] | Reviewer Comment (2026-06-03): Received final settlement statement with updated disbursement date. Buyer Comment (2026-05-30): Please see attached Final CD which shows the disbursement date of [redacted]. Please clear condition. Buyer Comment (2026-05-30): Please see attached Final CD which shows the disbursement date of[redacted]. Please clear condition. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473775 | [Redacted] | [Redacted] | 36310448 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease agreement was not found in file for REO property as [Redacted] | Reviewer Comment (2026-06-03): Received short term rental payment history. Buyer Comment (2026-05-30): Please see attached income rental worksheet. Please clear condition. Reviewer Comment (2026-05-11): Monthly payout statement of [redacted]months received for property [redacted]and updated and Other REO property - [redacted] statement is incomplete unbale to calculate monthly income and occupancy ratio. Buyer Comment (2026-05-07): Please see attached. |
06/03/2026 | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225473775 | [Redacted] | [Redacted] | 36310449 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [Redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income [Redacted] using reasonably reliable [redacted]-party records. | Lease agreement was not found in file for REO property as [Redacted] | Reviewer Comment (2026-06-03): Cleared. Received statements for short term rental. Buyer Comment (2026-05-30): Please see attached income rental worksheet. Please clear condition. Reviewer Comment (2026-05-11): Monthly payout statement of [redacted]months received for property [redacted]and updated and Other REO property - [redacted] statement is incomplete unbale to calculate monthly income and occupancy ratio. Buyer Comment (2026-05-07): Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473775 | [Redacted] | [Redacted] | 36310450 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [Redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income [Redacted] using reasonably reliable [redacted]-party records. | Lease agreement was not found in file for REO property as [Redacted] | Reviewer Comment (2026-06-03): Received short term rental payment history. Buyer Comment (2026-05-30): Please see attached income rental worksheet. Please clear condition. Reviewer Comment (2026-05-11): Monthly payout statement of [redacted]months received for property [redacted]and updated and Other REO property - [redacted] statement is incomplete unbale to calculate monthly income and occupancy ratio. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473775 | [Redacted] | [Redacted] | 36310451 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [Redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income [Redacted] using reasonably reliable [redacted]-party records. | Lease agreement was not found in file for REO property as [Redacted] | Reviewer Comment (2026-06-03): Received short term rental payment history. Buyer Comment (2026-05-30): Please see attached income rental worksheet. Please clear condition. Reviewer Comment (2026-05-11): Monthly payout statement of [redacted]months received for property [redacted]and updated and Other REO property - [redacted] statement is incomplete unbale to calculate monthly income and occupancy ratio. Buyer Comment (2026-05-07): Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473775 | [Redacted] | [Redacted] | 36310452 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [Redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income [Redacted] using reasonably reliable [redacted]-party records. | Lease agreement was not found in file for REO property as [Redacted] | Reviewer Comment (2026-06-03): Received short term rental payment history. Buyer Comment (2026-05-30): Please see attached income rental worksheet. Please clear condition. Reviewer Comment (2026-05-11): Monthly payout statement of [redacted]months received for property [redacted]and updated and Other REO property - [redacted] statement is incomplete unbale to calculate monthly income and occupancy ratio. Buyer Comment (2026-05-07): Please see attached |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225473775 | [Redacted] | [Redacted] | 36310453 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Lease agreement was not found in file for REO property as [Redacted] | Reviewer Comment (2026-06-03): Received short term rental payment history. Reviewer Comment (2026-05-11): Monthly payout statement of [redacted]months received for property [redacted]and updated and Other REO property - [redacted] statement is incomplete unbale to calculate monthly income and occupancy ratio. |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225475505 | [Redacted] | [Redacted] | 36332089 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guidelines and corporate resolution is required which is missing from the file. | Reviewer Comment (2026-05-07): Received corporate resolution. Exception cleared. Buyer Comment (2026-05-05): Corp docs |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225475505 | [Redacted] | [Redacted] | 36332116 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Discrepancy in DSCR. Lender DSCR [Redacted] and Bid Tape DSCR [Redacted]. DD calculated DSCR .[Redacted]. Discrepancy is due to lender is using a higher rental income than supported by the [redacted] Lender approved exception for DSCR [Redacted] |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-18): Client elects to waive with compensating factors. Buyer Comment (2026-06-17): please see attached lender exception for DSCR < [redacted] Reviewer Comment (2026-06-04): No new document received. Reference document [redacted]is comparable rent schedule with long term market rent reflecting as $[redacted]and same was used to calculate DSCR of [redacted]. Per DSCR worksheet, no [redacted] was used and rent of $[redacted]was used with PITIA of $[redacted]. Calculated PITIA per documents is $[redacted]. No short-term rentalizer is available on the file. Exception remains. Buyer Comment (2026-06-02): please see rent schedule doc [redacted]page [redacted] Reviewer Comment (2026-05-29): No supporting documentation has been received to validate the higher lease rent. Exception Remains. Buyer Comment (2026-05-28): per [redacted] expanded guidelines, use of [redacted] is allowed and that's what was used to determine rents and DSCR calculated was > [redacted] |
06/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 225475516 | [Redacted] | [Redacted] | 36316027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [Redacted] finding due to missing 1040s to document co-borrower tip income. | Reviewer Comment (2026-06-22): Client re-designated to Safe Harbor APOR Buyer Comment (2026-06-18): Please designate the loan as QM Safe Harbor APOR Buyer Comment (2026-06-11): The UW and the guides allow for the year end paystubs to be used to verify the tip income. Please clear condition. Reviewer Comment (2026-05-20): Require [redacted]-year tax returns or transcripts to verifying and use of co-borrower tip income for qualifying purpose as available W-2 and paystubs of co-borrower already consider for tip income. Exception Remains. Buyer Comment (2026-05-17): Waterfall conditin. Please clear. |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | |||||||||
| 225475516 | [Redacted] | [Redacted] | 36316028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Tip Income | Ability to Repay (Dodd-Frank 2014): Unable to verify Tip income due to, missing the Year [Redacted] tax returns or transcript, missing the Year [Redacted] tax returns or transcript, paystub provided was dated more than [Redacted] days prior to closing. | File is missing [Redacted] yrs 1040s to required to verify and use co-borrower tip income for qualifying. | Reviewer Comment (2026-06-22): Client re-designated to Safe Harbor APOR Reviewer Comment (2026-06-15): DD is unable to clear or cancel. The documentation for the tip income does not meet Non QM requirements. In addition, the most recent year to date tip income is over [redacted]days. Buyer Comment (2026-06-11): The UW and the guides allow for the year end paystubs to be used to verify the tip income. Please clear condition. Reviewer Comment (2026-05-20): Require [redacted]-year tax returns or transcripts to verifying and use of co-borrower tip income for qualifying purpose as available W-2 and paystubs of co-borrower already consider for tip income. Exception Remains. Buyer Comment (2026-05-17): Please review the year end paystubs and the W2's provided for B2. It shows the Tip income of $[redacted]for [redacted]and $[redacted]for [redacted]. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 225475516 | [Redacted] | [Redacted] | 36316029 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [Redacted] finding due to missing 1040s to document co-borrower tip income. | Reviewer Comment (2026-06-22): Client re-designated to Safe Harbor APOR |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 225475516 | [Redacted] | [Redacted] | 36331780 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [Redacted] finding due to the missing | Reviewer Comment (2026-06-15): Cleared. The year end paystubs are used to verifiy tip inome (credit c), and [redacted]and [redacted]W2s are located in the file located in the file to verify two years of taxable tip income. Documentation meets guideline requirements. Buyer Comment (2026-06-11): Waterfall. Reviewer Comment (2026-05-20): Require [redacted]-year tax returns or transcripts to verifying and use of co-borrower tip income for qualifying purpose as available W-2 and paystubs of co-borrower already consider for tip income. Exception Remains. Buyer Comment (2026-05-17): Waterfall conditin. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 225475516 | [Redacted] | [Redacted] | 36331794 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing [Redacted] yrs 1040s to document co-borrower tip income. | Reviewer Comment (2026-06-15): Cleared. The year end paystubs are used to verifiy tip inome (credit c), and [redacted]and [redacted]W2s are located in the file located in the file to verify [redacted]years of taxable tip income. Documentation meets guideline requirements. Buyer Comment (2026-06-11): Waterfall. Reviewer Comment (2026-05-20): Require [redacted]-year tax returns or transcripts to verifying and use of co-borrower tip income for qualifying purpose as available W-2 and paystubs of co-borrower already consider for tip income. Exception Remains. Buyer Comment (2026-05-17): Waterfall conditin. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| 225475516 | [Redacted] | [Redacted] | 36331802 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [Redacted] finding due to missing 1040s to document co-borrower tip income. | Reviewer Comment (2026-06-15): Cleared. [redacted]Year end paystub and [redacted]W2 is located in the file to verify two years of taxable tip income. Buyer Comment (2026-06-11): Waterfall. Reviewer Comment (2026-06-04): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-05-20): Require [redacted]-year tax returns or transcripts to verifying and use of co-borrower tip income for qualifying purpose as available W-2 and paystubs of co-borrower already consider for tip income. Exception Remains. Buyer Comment (2026-05-17): Waterfall conditin. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 225475516 | [Redacted] | [Redacted] | 36777086 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Tip Income | General QM: Unable to verify Tip income due to, missing the Year [Redacted] tax returns or transcript, missing the Year [Redacted] tax returns or transcript, paystub provided was dated more than [Redacted] days prior to closing. | Reviewer Comment (2026-07-17): Cleared. Tip income meets guideline requirements. |
07/17/2026 | No | 1 | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||||||||
| 225475516 | [Redacted] | [Redacted] | 36777087 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Client re-designated to [redacted] APOR | Reviewer Comment (2026-07-20): Loan is HPQM(APOR) Reviewer Comment (2026-07-20): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Buyer Comment (2026-07-20): Please restate loan to HPQM (APOR). |
07/20/2026 | No | 1 | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 225475516 | [Redacted] | [Redacted] | 37025116 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is HPQM(APOR) | Buyer Comment (2026-07-20): waived per CNR |
07/20/2026 | No | 2 | A | B | B | B | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||
| 225476062 | [Redacted] | [Redacted] | 36315263 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted] | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Amount Financed. | Reviewer Comment (2026-06-09): [redacted]recieved additional information on fee to confirm not finance charges Buyer Comment (2026-06-08): Please see attached. |
06/09/2026 | 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, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225476062 | [Redacted] | [Redacted] | 36315264 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on [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 (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted] | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on [Redacted] that does not match the actual Finance Charge for the loan. | Reviewer Comment (2026-06-09): [redacted]recieved additional information on fee to confirm not finance charges Buyer Comment (2026-06-08): Please see attached. |
06/09/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225476062 | [Redacted] | [Redacted] | 36332727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of [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 cure. | Reviewer Comment (2026-05-18): [redacted]received rebuttal. Buyer Comment (2026-05-17): Could you please advise where the title abstract fee is? I have reviewed all of the disclosure and do not see this fee on any of our docs. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225477244 | [Redacted] | [Redacted] | 36320403 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Dwelling Coverage is insufficient by [Redacted] Please provide extended coverage or replacement cost estimator. | Reviewer Comment (2026-06-10): Email received confirming replacement cost estimator. Exception cleared Buyer Comment (2026-06-10): agent email upld, this is a mobile home, sufficient coverage provided Reviewer Comment (2026-06-03): No new document received. Email conversation, requested to refer hazard policy which was provided as an attachment. Hazard policy has broad cause of loss coverage of $[redacted]. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains. Buyer Comment (2026-06-02): agent email confirming replacement cost estimator upld, we already provided confirmation the policy is written to replacement cost, this should be sufficient to clear the condition. Reviewer Comment (2026-05-12): Replacement cost estimator not received in the file. Exception Remains. Buyer Comment (2026-05-08): agent email confirming replacement cost upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225479252 | [Redacted] | [Redacted] | 36323831 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-14): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-12): Exception |
05/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 225479252 | [Redacted] | [Redacted] | 36324733 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing [redacted] exchange agreement and closing statement / HUD-1 documenting proceeds. | Reviewer Comment (2026-05-21): Received 1031 exchange agreement in the file. Exception Cleared. Buyer Comment (2026-05-20): Agreement was in the attached bundle already sent Reviewer Comment (2026-05-14): Received notice of assignment. Please provide 1031 exchange agreement with all pages. Exception Remains. Buyer Comment (2026-05-12): 1031 |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225479787 | [Redacted] | [Redacted] | 36324481 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File was missing a mortgage statement and documentation to verify the insurance and taxes on the departing residence. | Reviewer Comment (2026-05-07): Received Mortgage Statement for REO property "[redacted]", information validated. Exception Cleared. Buyer Comment (2026-05-06): Please see attached. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225479787 | [Redacted] | [Redacted] | 36324500 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee of $[Redacted]not disclosed to borrower until final CD. No valid change in circumstance or cure for borrower was provided. | Reviewer Comment (2026-05-07): [redacted]received Post CD and LOX. Buyer Comment (2026-05-06): Please see attached. |
05/07/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225479787 | [Redacted] | [Redacted] | 36324501 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee (Closing Agent and Other) not disclosed until final CD. No valid change in circumstance or cure for borrower was provided. | Reviewer Comment (2026-05-07): [redacted]received Post CD and LOX. Buyer Comment (2026-05-06): Please see attached. |
05/07/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225479787 | [Redacted] | [Redacted] | 36324697 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DTI variance. Lenders DTI: [Redacted]. Review DTI: [Redacted]%. Variance is due to lenders calculation of taxes and insurance at $[Redacted]per month vs actual amount of $[Redacted] per month. | Reviewer Comment (2026-05-22): Received updated 1003 and 1008. Exception cleared Buyer Comment (2026-05-20): Please see attached. Reviewer Comment (2026-05-15): Updated 1003 is required with the subject PITIA Information. Exception remains. Buyer Comment (2026-05-13): Please see attached. Reviewer Comment (2026-05-08): Received updated 1008 matching DTI of [redacted]% however taxes considered is $[redacted]while calculated tax is $[redacted]. PCCD provided shows $[redacted]for tax & Insurance. Buyer Comment (2026-05-06): Please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225487203 | [Redacted] | [Redacted] | 36332827 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-09): Lender Exception with Compensating Factors provided for corporate resolution for vested entity they utilized LLC borrower Single Member Certification in lieu. Buyer Comment (2026-06-05): Exception |
06/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| 225487203 | [Redacted] | [Redacted] | 36332842 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Allow rural property with [Redacted] acres with comps over [Redacted] miles versus rural property ineligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-24): Lender Exception with Compensating Factors provided. |
04/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225488594 | [Redacted] | [Redacted] | 36327589 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-06-04): Received updated Hazard insurance policy. Exception cleared Buyer Comment (2026-06-03): rebuttal upld |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488594 | [Redacted] | [Redacted] | 36327640 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Final [redacted] reflects total monthly expenses of $[Redacted]; however, per the source documentation, the correct monthly expenses are $[Redacted]. As a result, the previously calculated DTI is incorrect and has been updated using the documented expense amount. | Reviewer Comment (2026-06-24): Bid tape data has been corrected as required. Exception cleared. Buyer Comment (2026-06-23): bid tape has been updated, please clear. Buyer Comment (2026-06-23): id tape has been updated, please clear. Reviewer Comment (2026-06-12): Bid tape DTI needs to be corrected, it is still showing DTI [redacted]%. Exception remains. Buyer Comment (2026-06-11): revised 1008/1003 upld, dti is [redacted]% Reviewer Comment (2026-06-05): Please provide updated 1008 and 1003 showing co-borrower's primary housing expense has been included in the DTI ratio, Exception remains. Buyer Comment (2026-06-04): revised 1008/1003 upld Reviewer Comment (2026-06-03): Subject property PITIA is calculated as $[redacted](P&I: $[redacted]). The co-borrower's primary residence expense, as reflected in the final 1003 (Doc ID: [redacted]) for the property located at [redacted], reflects a PITIA of $[redacted]with an additional HOA of $[redacted], totaling $[redacted]. However, the lender-calculated income for the REO property located at [redacted], reported as ($[redacted]) in the final 1003, does not align with the supporting documentation available in the file. Additionally, per the 1008, monthly rental income along with the subject property PITIA has been considered for the DTI calculation. However, the co-borrower's primary housing expense has not been included in the DTI ratio. Kindly provide a corrected final 1003, 1008, and supporting documentation for the REO property at [redacted]. Exception remains. Buyer Comment (2026-06-01): please advise how you are calculating the primary p&i, the statement on [redacted]shows $[redacted], you have $[redacted]. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488594 | [Redacted] | [Redacted] | 36327667 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Final [redacted] reflects total monthly expenses of $[Redacted] ; however, per the source documentation, the correct monthly expenses are $[Redacted]. As a result, the previously calculated DTI is incorrect and has been updated using the documented expense amount. | Reviewer Comment (2026-06-24): Bid tape data has been corrected as required. Exception cleared. Buyer Comment (2026-06-23): bid tape has been updated, please clear. Buyer Comment (2026-06-23): id tape has been updated, please clear. Reviewer Comment (2026-06-12): Bid tape DTI needs to be corrected, it is still showing DTI [redacted]%. Exception remains. Buyer Comment (2026-06-11): revised 1008/1003 upld to trl docs, dti is [redacted]% Reviewer Comment (2026-06-05): Please provide updated 1008 and 1003 showing co-borrower's primary housing expense has been included in the DTI ratio, Exception remains. Buyer Comment (2026-06-04): revised 1008/1003 upld to trl docs |
06/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488594 | [Redacted] | [Redacted] | 36327668 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Final [redacted] reflects total monthly expenses of $[Redacted]; however, per the source documentation, the correct monthly expenses are $[Redacted]. As a result, the previously calculated DTI is incorrect and has been updated using the documented expense amount. | Reviewer Comment (2026-06-24): Bid tape data has been corrected as required. Exception cleared. Buyer Comment (2026-06-23): bid tape has been updated, please clear. Reviewer Comment (2026-06-12): Bid tape DTI needs to be corrected, it is still showing DTI [redacted]%. Exception remains. Buyer Comment (2026-06-11): revised 1008/1003 upld to trl docs, dti is [redacted]% Reviewer Comment (2026-06-05): Please provide updated 1008 and 1003 showing co-borrower's primary housing expense has been included in the DTI ratio, Exception remains. Buyer Comment (2026-06-04): revised 1008/1003 upld to trl docs |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488594 | [Redacted] | [Redacted] | 36329720 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | File is missing the complete date for the co-borrower. | Reviewer Comment (2026-06-15): Affidavit of Certification received and associated. Exception cleared. Buyer Comment (2026-06-15): Affidavit correction |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225488596 | [Redacted] | [Redacted] | 36327756 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee Amount of $[Redacted] was not disclosed until the final Closing Disclosure. No valid change in circumstance or cure for the borrower was provided. | Reviewer Comment (2026-06-10): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted] along with email communication. Buyer Comment (2026-06-09): Moved survey fee to section [redacted] |
06/10/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488616 | [Redacted] | [Redacted] | 36328085 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | File is missing lender exception requested and approved for no landlord history as VOR for primary residence received with no late payments. | Reviewer Comment (2026-05-07): Lender Exception received and verified the details. Exception Cleared. Buyer Comment (2026-05-05): Please see attached. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225488616 | [Redacted] | [Redacted] | 36413491 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender exception has been requested for landlord waiver but countering to a max of [Redacted]% LTV[Redacted] The exception is approved with Max [Redacted]% LTV, Borrower to sign acknowledgement that they may be subject to post-closing occupancy inspection, Subject to credit committee review for occupancy, Subject to meeting all other [redacted] Expanded guideline requirements. Any loan attribute limit listed above is a requirement to maintain the exception approval. Compensating factors: FICO [Redacted] points or more above requirement, Reserves [Redacted]+ months more than requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Client elects to waive with compensating factors. Buyer Comment (2026-06-05): Please review the lender exception approval again. It cleary states that this was approved with a DSCR score less than [redacted]. Please clear condition. Reviewer Comment (2026-05-22): Received lenders updated exception approval. The issue is the lender approval required a [redacted]% DSCR, however the borrower has only a .[redacted]% DSCR. DD is unable to downgrade and waive due to this. Buyer Comment (2026-05-20): Please see attached |
06/05/2026 | Yes | 2 | B | B | B | B | B | CT | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225488616 | [Redacted] | [Redacted] | 36562097 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Insufficient DSCR. Per lender approval, a [Redacted]% DSCR was required. Borrower is at [Redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Client elects to waive with compensating factors. Buyer Comment (2026-06-05): Please review the lender exception approval again. It cleary states that this was approved with a DSCR score less than [redacted]. Please clear condition. |
06/05/2026 | Yes | 2 | B | B | B | B | B | CT | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 225488637 | [Redacted] | [Redacted] | 36333654 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request to allow [Redacted] NSFs in the last [Redacted] months [Redacted] vs if there are one or more occurrences in the recent [Redacted] -month time period, up to [redacted] months' time period up to three occurrences are allowed in the most recent [Redacted] -month time period is approved. Per disposition, must provide an acceptable action plan approved by the UW to corr4ect the NSF's going forward that is signed and dated by borrower. Subject to file meeting all other [redacted] expanded guidelines. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-24): Lender Exception with Compensating Factors provided. |
04/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225488637 | [Redacted] | [Redacted] | 36333661 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of [Redacted] used as disbursement date for compliance testing. | Final Closing Disclosure is missing in the file. | Reviewer Comment (2026-05-04): [redacted] received final CD. Buyer Comment (2026-05-01): Closing CD |
05/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488637 | [Redacted] | [Redacted] | 36333665 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Final Closing Disclosure is missing in the file. | Reviewer Comment (2026-05-04): [redacted] received final CD. Buyer Comment (2026-05-01): Closing CD |
05/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225488637 | [Redacted] | [Redacted] | 36392346 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted] Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery [redacted]days prior to closing. | Reviewer Comment (2026-05-11): Appraisal Receipt received and verified. Exception cleared. Buyer Comment (2026-05-07): Doc |
05/11/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225488637 | [Redacted] | [Redacted] | 36392453 | 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 [Redacted] business days prior to closing. | Only CD in loan file is closing CD. Please provide initial CD for review. | Reviewer Comment (2026-05-11): [redacted] received CD dated [redacted] Buyer Comment (2026-05-07): ICD |
05/11/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| 225488676 | [Redacted] | [Redacted] | 36327703 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Amount Financed. | Amount Financed is missing in the final Closing Disclosure dated [Redacted] | Reviewer Comment (2026-06-22): [redacted] received LOA. Buyer Comment (2026-06-19): Please see attached attestation Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations Row [redacted], The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer and no other evidence CD was provided or received by the consumer.) Attestation should be in a separate document that can be included in the loan file. Buyer Comment (2026-06-05): the CD dated [redacted] is Title's balancing CD and it was for purposes of calculating fees.the CD at DocID [redacted] is Title's balancing CD and was not signed by the borrower and was only used to balance fees. DocID[redacted] is the correct final CD. Please clear condition. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see attached Final CD which does show the amount financed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327704 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | APR is missing in the final Closing Disclosure dated [Redacted] | Reviewer Comment (2026-06-22): [redacted] received LOA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: The document is not acknowledged by the consumer; and There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-06-05): the CD dated [redacted] is Title's balancing CD and it was for purposes of calculating fees.the CD at DocID [redacted] is Title's balancing CD and was not signed by the borrower and was only used to balance fees. DocID[redacted] is the correct final CD. Please clear condition. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see attached Final CD which does show the APR. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327705 | 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). | Contact Information is missing in the final Closing Disclosure dated [Redacted] | Reviewer Comment (2026-06-22): [redacted] received lender attestation. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): [redacted] received rebuttal, however we require lender attestation confirming the same that [redacted] CD DociD D[redacted] is title CD and used for balancing purpose only. Buyer Comment (2026-06-05): the CD dated [redacted] is Title's balancing CD and it was for purposes of calculating fees.the CD at DocID [redacted] is Title's balancing CD and was not signed by the borrower and was only used to balance fees. DocID[redacted] is the correct final CD. Please clear condition. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see attached Final CD which does show the Lender Contact information. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327706 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream [Redacted] that does not match the actual payment for the loan. | Escrow payment for payment stream [Redacted] for the final Closing Disclosure dated [Redacted] whereas on the escrow account disclosure it is [Redacted] | Reviewer Comment (2026-06-22): [redacted] received LOA. |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. | Finance Charge is missing in the final Closing Disclosure dated [Redacted] | Reviewer Comment (2026-06-22): [redacted] received LOA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: The document is not acknowledged by the consumer; and There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327708 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower. | Final Closing Disclosure dated [Redacted] was not provided to the borrower. | Reviewer Comment (2026-06-22): [redacted] received lender attestation. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: The document is not acknowledged by the consumer; and There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327709 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [Redacted] Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Incomplete Closing Disclosure dated [Redacted] did not disclose Non-Escrowed Property Costs over Year [Redacted] | Reviewer Comment (2026-06-22): [redacted] received lender attestation. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): [redacted] received rebuttal, however we require lender attestation confirming the same that [redacted] CD DociD D[redacted] is title CD and used for balancing purpose only. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327710 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Incomplete Closing Disclosure dated [Redacted] did not disclose whether the loan allows for Partial Payments. | Reviewer Comment (2026-06-22): [redacted] received LOA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: The document is not acknowledged by the consumer; and There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327711 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Principal and interest payment for payment stream [Redacted] for the final Closing Disclosure dated [Redacted] whereas on the Note it is $[Redacted]. | Reviewer Comment (2026-06-22): [redacted] received LOA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: The document is not acknowledged by the consumer; and There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327712 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Principal and interest payment for payment stream [Redacted]for the final Closing Disclosure dated [Redacted] whereas on the Note it is $[Redacted]. | Reviewer Comment (2026-06-22): [redacted] received LOA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: The document is not acknowledged by the consumer; and There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327713 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Total of Payments. | Total of Payments is missing in the final Closing Disclosure dated [Redacted] | Reviewer Comment (2026-06-22): [redacted] received LOA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: The document is not acknowledged by the consumer; and There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327714 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Escrow payment for payment stream [Redacted] for the final Closing Disclosure dated [Redacted] whereas on the escrow account disclosure it is $[Redacted]. | Reviewer Comment (2026-06-22): [redacted] received lender attestation. |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327715 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure | TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. | Seller Closing Disclosure is missing. | Reviewer Comment (2026-06-22): [redacted] received lender attestation. |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488676 | [Redacted] | [Redacted] | 36327716 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was disclosed on the initial Loan Estimate as [Redacted], but disclosed on the final Closing Disclosure as $[Redacted]. The file does not contain a valid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-10): [redacted] received LOE and COC suffice Buyer Comment (2026-07-08): Please see attached. Reviewer Comment (2026-07-01): [redacted] received rebuttal comment which may be the reason for adding CDA but as per comment the CU score [redacted] required the fee but generally more than [redacted] score triggers the CDA requirement. However, LCA score is [redacted]. Please provide correct information for increase in fee so that fee can be re-baselined. Buyer Comment (2026-06-29): Please review the appraisal. The CU score was [redacted], so an appraisal review was needed. Please clear condition. Reviewer Comment (2026-06-29): [redacted] received rebuttal, however we require additional information on program change as per the approval document available in file dated [redacted] and rate lock dated [redacted] the program is not changed. Please provide additional sufficient information/supporting document to verify the previous program. Buyer Comment (2026-06-25): The appraisal fee was due to a change in the program which required the Appraisal review fee. All documentation for this has already been provided. Please clear condition. Reviewer Comment (2026-06-23): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-06-22): Please see attached. Reviewer Comment (2026-06-22): [redacted] received LOX. However, we would require a valid COC for the Appraisal review fee added on Revised LE dated [redacted] for $[redacted]. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-08): [redacted] received rebuttal, however we require lender attestation confirming the same that [redacted] CD DociD D[redacted] is title CD and used for balancing purpose only. Buyer Comment (2026-06-05): [redacted], please clear. Reviewer Comment (2026-05-19): [redacted] received [redacted] & [redacted] CD's. However, the CD being tested as the Final CD is the [redacted] CD, see Doc ID [redacted], which has [redacted] issue date but has some incomplete data and page [redacted] has blanks in Loan Calculations. A lender attestation can speak specifically to this CD if it was provided to borrower and why included in testing package. Buyer Comment (2026-05-19): Please see previoulsy uploaded Final CD which has this information listed. Please clear condition. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225488720 | [Redacted] | [Redacted] | 36412446 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-05-18): Received flood Certificate. Exception cleared. Buyer Comment (2026-05-14): Flood Cert |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | N/A | Non QM | No | ||||||||||||
| 225488720 | [Redacted] | [Redacted] | 36412457 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec[Redacted] | Reviewer Comment (2026-05-18): Received CDA. Exception cleared. Buyer Comment (2026-05-14): CDA |
05/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | N/A | Non QM | No | ||||||||||||
| 225488720 | [Redacted] | [Redacted] | 36412472 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] | Reviewer Comment (2026-05-18): Received Lender's Initial 1003. Exception cleared. Buyer Comment (2026-05-14): 1003 |
05/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | N/A | Non QM | No | ||||||||||||
| 225488720 | [Redacted] | [Redacted] | 36412493 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [Redacted] | Reviewer Comment (2026-05-07): Cleared |
05/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | N/A | Non QM | No | |||||||||||
| 225488720 | [Redacted] | [Redacted] | 36412494 | 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 [Redacted] business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least three [Redacted] business days prior to closing. | Reviewer Comment (2026-06-02): [redacted] received initial CD dated [redacted] Buyer Comment (2026-06-01): ICD Reviewer Comment (2026-05-15): [redacted] received disclosure tracking with CD sent date as [redacted] and the file is missing initial CD. Kindly provide initial CD [redacted] days prior to closing date. Buyer Comment (2026-05-14): Disclosure Tracking |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | No Defined Cure | D | B | C | A | C | B | D | A | N/A | Non QM | No | |||||||||
| 225488720 | [Redacted] | [Redacted] | 36412495 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to [Redacted] may be required. | Loan Estimate was not provided within loan images to evidence delivery to the Borrower(s). | Reviewer Comment (2026-05-15): [redacted] received initial LE. Buyer Comment (2026-05-14): LEs |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | No Defined Cure | D | B | C | A | C | B | D | A | N/A | Non QM | No | |||||||||
| 225488720 | [Redacted] | [Redacted] | 36412496 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | Verification(s) of employment is not within [Redacted] business days of the Note. | Reviewer Comment (2026-05-18): Received verification of employment within [redacted] business days of the Note. Exception cleared. Buyer Comment (2026-05-14): VVOE |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | N/A | Non QM | No | ||||||||||
| 225488720 | [Redacted] | [Redacted] | 36412503 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [Redacted] due to missing VVOE. | Reviewer Comment (2026-05-18): Received verification of employment within [redacted] business days of the Note. Exception cleared. Buyer Comment (2026-05-14): See VVOE |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | B | C | A | C | B | D | A | N/A | Non QM | No | ||||||||||
| 225488720 | [Redacted] | [Redacted] | 36495004 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] received LE and the Appraisal fee increased on LE dated [Redacted] Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-06-02): [redacted] received valid COC dated [redacted] Buyer Comment (2026-06-01): Appraisal fee change to go with COC Buyer Comment (2026-06-01): RLE with COC |
06/02/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | N/A | Non QM | Yes | ||||||||||||||
| 225488720 | [Redacted] | [Redacted] | 36495005 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] received LE and the Credit report fee increased on CD dated [Redacted] Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-06-16): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-15): Delivered [redacted] [redacted] Reviewer Comment (2026-06-11): [redacted] received PCCD, Refund Check, Proof of Mailing and LOE. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-06-10): PCCD with cure. Sent out today Reviewer Comment (2026-06-02): [redacted] received COC dated [redacted] and invoice, but it does not give sufficient information on why the fee was increased as updated invoice is not valid reason for increase. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-06-01): Credit invoice received [redacted] Buyer Comment (2026-06-01): RCD with COC |
06/16/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | N/A | Non QM | Yes | ||||||||||||||
| 225489183 | [Redacted] | [Redacted] | 36331807 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | Verification of employment was obtained on [Redacted], which is more than [Redacted] business days prior to the Note date [Redacted] | Reviewer Comment (2026-06-16): Received post closing VVOE which meets lender guides. Condition cleared. Reviewer Comment (2026-06-16): Received post dated VOE please provide VOE within [redacted] days from note date, Exception remains. Buyer Comment (2026-06-16): Please see attached VVOEs Reviewer Comment (2026-06-10): Lender restated the loan designation, however the verification does not meet lender guides of [redacted] business days from the note date. A lender exception approval/compensating factors would be required to enable downgrade and waive of exception. Buyer Comment (2026-06-08): Per guidance from upper management, this loan is eligible for the loan designation of QM which does NOT require the VVOE to be within [redacted] days prior to note. An Exception is not required on QM Eligible loans. Buyer Comment (2026-06-08): Per guidance from upper management, this loan is eligible for the loan designation of QM which does NOT require the VVOE to be within [redacted] days prior to note. Please provide explanation as to why you feel this loan is not eligible for QM. Reviewer Comment (2026-06-02): Require Borrower VVOE document within the [redacted] business days from the closing date to clear the exception, Exception Remains. Buyer Comment (2026-05-29): Please redesignate loan as QM which does not require VVOE to be within [redacted]days of close (VVOE is [redacted] days) |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225489183 | [Redacted] | [Redacted] | 36331808 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | Verification of employment was obtained on [Redacted], which is more than [Redacted] business days prior to the Note date [Redacted] | Reviewer Comment (2026-06-16): Received post closing VVOE which meets lender guides. Condition cleared. Reviewer Comment (2026-06-16): Received post dated VOE please provide VOE within [redacted] days from note date, Exception remains. Buyer Comment (2026-06-16): Please see attached VVOEs Reviewer Comment (2026-06-10): Lender restated the loan designation, however the verification does not meet lender guides of [redacted] business days from the note date. A lender exception approval/compensating factors would be required to enable downgrade and waive of exception. Buyer Comment (2026-06-08): Per guidance from upper management, this loan is eligible for the loan designation of QM which does NOT require the VVOE to be within [redacted] days prior to note. An Exception is not required on QM Eligible loans. Reviewer Comment (2026-06-02): UPDATE: Due diligence can re-designate the loan designation, however the VVOE's do not meet the lender guides. A lender exception/approval/compensating factors would be required in addition to the re-designation to [redacted]. Reviewer Comment (2026-06-02): Require Co-Borrower VVOE document within the [redacted] business days from the closing date to clear the exception, Exception Remains. Buyer Comment (2026-05-29): Please redesignate loan as QM which does not require VVOE to be within [redacted] days of close (VVOE is [redacted] days) |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225489183 | [Redacted] | [Redacted] | 36331835 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to missing final VOEs obtained wihtin [redacted] business days of the note date, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-10): Lender restated the loan designation. Condition cleared. Buyer Comment (2026-06-08): Per guidance from upper management, this loan is eligible for the loan designation of QM which does NOT require the VVOE to be within [redacted] days prior to note. An Exception is not required on QM Eligible loans. Reviewer Comment (2026-06-02): UPDATE: Due diligence can re-designate the loan designation, however the VVOE's do not meet the lender guides. A lender exception/approval/compensating factors would be required in addition to the re-designation to [redacted]. Reviewer Comment (2026-06-02): Require Borrower's VVOE document within the [redacted] business days from the closing date to clear the exception, Exception Remains. Buyer Comment (2026-05-29): Please redesignate loan as QM which does not require VVOE to be within [redacted] days of close (VVOE is [redacted] days) |
06/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225489183 | [Redacted] | [Redacted] | 36331836 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [Redacted] finding due to missing final VOEs obtained wihtin [Redacted] business days of the note date. | Reviewer Comment (2026-06-10): Lender restated the loan designation. Condition cleared. Buyer Comment (2026-06-08): Per guidance from upper management, this loan is eligible for the loan designation of QM which does NOT require the VVOE to be within [redacted] days prior to note. An Exception is not required on QM Eligible loans. Reviewer Comment (2026-06-02): UPDATE: Due diligence can re-designate the loan designation, however the VVOE's do not meet the lender guides. A lender exception/approval/compensating factors would be required in addition to the re-designation to [redacted]. Reviewer Comment (2026-06-02): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. Reviewer Comment (2026-06-02): Require Borrower's VVOE document within the [redacted] business days from the closing date to clear the exception, Exception Remains. Buyer Comment (2026-05-29): Please redesignate loan as QM which does not require VVOE to be within [redacted] days of close (VVOE is [redacted] days) |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225489183 | [Redacted] | [Redacted] | 36351950 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [Redacted] -month housing history is not located in the file. | Reviewer Comment (2026-06-02): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-05-29): Per Program guidelines [redacted]: In the underwriter's discretion, verification of rent payment history may be required. Per the underwriter's discretion they have waived the requirement for a VOR. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225489183 | [Redacted] | [Redacted] | 36697546 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of [redacted] QM (APOR) matches the Due Diligence Loan Designation of [redacted] QM (APOR). | Lender restated the loan designation. EV2 exception can be waived. | Reviewer Comment (2026-06-16): Client elects to waive. |
06/16/2026 | No | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225493942 | [Redacted] | [Redacted] | 36333761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee $[Redacted]was changed to $[Redacted]. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-05-27): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-26): Please see attached. |
05/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225494465 | [Redacted] | [Redacted] | 36341521 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing verification of rent for [Redacted] months for primary residence and pay history for [Redacted] months for subject mortgage. | Reviewer Comment (2026-06-29): Received history. Condition cleared. Reviewer Comment (2026-06-05): Please provide verification of rent for [redacted] months for primary residence and pay history for [redacted] months for subject mortgage. Exception remains. Buyer Comment (2026-06-04): Emails from lender statement no lates since acquiring property , there are no statements issued. This should clear the subject payment history peice Reviewer Comment (2026-05-26): Received LOX however required verification of rent for [redacted] months for primary residence and pay history for [redacted] months for subject mortgage. Exception remains. Buyer Comment (2026-05-22): Mortgage history |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225496260 | [Redacted] | [Redacted] | 36342159 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Please override. Details not required for member. | Reviewer Comment (2026-05-19): Borrower is Authorized Signatory and information is not required in the file. Exception Cleared. Buyer Comment (2026-05-15): please cancel, not required for additional member of the llc who is not on the loan |
05/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| 225496260 | [Redacted] | [Redacted] | 36342254 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender exception requested to purchase an investment property utilizing [Redacted] nightly average rate to qualify. The exception approved applicable only if the loan is registered and closing as [redacted] expanded and subject to meeting all other [redacted] expanded guideline requirements. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | SitusAMC | Reviewer Comment (2026-04-27): Client accepts to waive and downgrade with Comp. factors. Fico [redacted] points or more above requirement |
04/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| 225497133 | [Redacted] | [Redacted] | 36346135 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-06-04): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-03): Please see attached. |
06/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225497133 | [Redacted] | [Redacted] | 36346647 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DTI variance. Lenders DTI: [Redacted]%. Review DTI: [Redacted]%. Variation is due to lender not considering Nissan Motors of $[Redacted]into their monthly debt ratio. | Reviewer Comment (2026-05-21): As per revised 1008 DTI matches with system. Exception Cleared. Buyer Comment (2026-05-19): Please see updated 1008 |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225497133 | [Redacted] | [Redacted] | 36693989 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: LTV | Reviewer Comment (2026-06-10): The calculated LTV is [redacted]% Buyer Comment (2026-06-09): Please see the attached LTV Calculation. thank you. |
06/10/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225498257 | [Redacted] | [Redacted] | 36342448 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non- [redacted] Citizen Status not provided | Verification of Non- [redacted] Citizen Status was not provided. | Reviewer Comment (2026-05-20): ITIN and Driver license available in loan file. Exception cleared. Buyer Comment (2026-05-16): Not Required. This loan was approved using [redacted] guidelines as indicated by the u/w on the final 1008 indicating the max LTV is [redacted]% due to ITIN. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225498257 | [Redacted] | [Redacted] | 36342450 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. | - | Verification of Non- [redacted] Citizen Status was not provided. | Reviewer Comment (2026-05-20): ITIN and Driver license available in loan file. Exception cleared. Buyer Comment (2026-05-16): Not Required. This loan was approved using [redacted] guidelines as indicated by the u/w on the final 1008 indicating the max LTV is [redacted]% due to ITIN. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225498257 | [Redacted] | [Redacted] | 36342451 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Citizenship Source Documentation was not provided | - | Verification of Non- [redacted] Citizen Status was not provided. | Reviewer Comment (2026-05-20): ITIN and Driver license available in loan file. Exception cleared. Buyer Comment (2026-05-16): Not Required. This loan was approved using [redacted] guidelines as indicated by the u/w on the final 1008 indicating the max LTV is [redacted]% due to ITIN. |
05/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225498257 | [Redacted] | [Redacted] | 36342460 | 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 {redacted] [Redacted] 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. | Reviewer Comment (2026-05-18): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-05-16): Please see attached proof of eConsent date on [redacted] |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225498257 | [Redacted] | [Redacted] | 36342461 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer [redacted] 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 (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225498257 | [Redacted] | [Redacted] | 36342468 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted] | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted], and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. | Reviewer Comment (2026-06-23): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-06-22): Please see attached RTC and receipt of notification of Recission being reopened Reviewer Comment (2026-06-12): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. Buyer Comment (2026-06-11): Please see attached Cure Check, PCCD, Cover letter, and proof [redacted] delivered Reviewer Comment (2026-05-29): Finance charge is under disclosed by $[redacted]. The tolerance limit on rescindable transaction is $[redacted]. Cure requires PCCD, LOE, Copy of refund check, re-opening of RTC and proof of delivery. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Buyer Comment (2026-05-28): This results in an APR change of less than .[redacted] |
06/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225498257 | [Redacted] | [Redacted] | 36342470 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on [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 (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted] | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on [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. | Reviewer Comment (2026-06-23): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-06-22): Please see attached RTC and receipt of notification of Recission being reopened Reviewer Comment (2026-06-12): [redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers. Buyer Comment (2026-06-11): Please see attached Cure Check, PCCD, Cover letter, and proof [redacted] delivered Reviewer Comment (2026-05-29): Finance charge is under disclosed by $[redacted]. The tolerance limit on rescindable transaction is $[redacted]. Cure requires PCCD, LOE, Copy of refund check, re-opening of RTC and proof of delivery. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Buyer Comment (2026-05-28): This results in an APR change of less than .[redacted] |
06/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225498257 | [Redacted] | [Redacted] | 36356260 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] percent fee amount of $[Redacted] exceeds tolerance of $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. No valid Change of Circumstance provided. | Reviewer Comment (2026-06-15): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-11): Please see attached Cure Check, PCCD, Cover letter, and proof [redacted] delivered |
06/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225498257 | [Redacted] | [Redacted] | 36356261 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] percent fee for Transfer Tax fee amount of $[Redacted] exceeds tolerance of $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. No valid Change of Circumstance provided. | Reviewer Comment (2026-05-18): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-05-16): Please see Final CD reflecting a Lender Credit for $[redacted] for this issue. |
05/18/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225499420 | [Redacted] | [Redacted] | 36342707 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | B | A | Non QM | Non QM | Yes | |||||||||
| 225499420 | [Redacted] | [Redacted] | 36342743 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV has exceeded the limit. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-19): Client elects to waive with compensating factors. Reviewer Comment (2026-05-19): Lender exception approval provided for FICO [redacted], current LTV [redacted]% Guideline requirement LTV is [redacted]%. Buyer Comment (2026-05-15): Please see attached Exception Approval allowing LTV to [redacted]% |
05/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Purchase | C | B | C | B | A | A | B | A | Non QM | Non QM | No | |||||||
| 225499420 | [Redacted] | [Redacted] | 36342753 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec [Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-05-19): Field review supports the appraisal. Buyer Comment (2026-05-15): Due to the CDA not supporting value a dispute was raised and resolved with a Field review to support value as the filed review is more in depth than a CDA. The Field review is provided in D[redacted] however I see the top of the report is cut off so I have re-uploaded it for your review. The Field Review supports the Appraised Value |
05/19/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | IN | Primary | Purchase | C | B | C | B | A | A | B | A | Non QM | Non QM | No | |||||||||||
| 225499420 | [Redacted] | [Redacted] | 36350092 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | File is missing lender exception as lender approved [Redacted] % LTV for [Redacted]FICO score. | Reviewer Comment (2026-05-19): Cleared. Received lender exception. Buyer Comment (2026-05-15): Please see attached Exception Approval for Fico Score/LTV. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | B | C | B | A | A | B | A | Non QM | Non QM | No | |||||||||||
| 225499482 | [Redacted] | [Redacted] | 36352217 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [Redacted] finding due to verification of employment obtained after Note date, resulting in a loan designation discrepancy. | Reviewer Comment (2026-05-20): Re-designated. Condition cleared. Buyer Comment (2026-05-17): please redesignate to qm |
05/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225499482 | [Redacted] | [Redacted] | 36352218 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | The verification of employment was obtained on [Redacted] which is after the Note date [Redacted] | Reviewer Comment (2026-07-07): Received Verification of employment within [redacted] business days of note. Exception cleared. Buyer Comment (2026-07-02): please disregard exception and pior information submitted, we were able to locate the final voe dated [redacted] in the loan file, copy uploaded Reviewer Comment (2026-06-30): Exception was escalated. Response: Under [redacted] and [redacted], the ATR rule requires that borrower's employment status is verified at or prior to consummation. A post VVOE would not meet this requirement. However, although employment must be verified at or prior to consummation, the rule does not detail how employment must be verified. Based on recent guidance, we can get to Non-QM if we have a lender's exception that explains what pre-consummation alternative documentation was used to confirm employment pre-consummation. This would not be to accept a post close VVOE, but rather what alternate sources were used in lieu of a pre-consummation VVOE to get comfortable with the borrower's employment status. The lender exception does not detail this as it still points to the post closing VVOE. Also the most recent paystub for [redacted] is through [redacted], while the loan did not close until [redacted], which provides a [redacted] month gap. Please ask lender for updated lender exception that details hat alternate sources were used in lieu of a pre-consummation VVOE to get comfortable with the borrower's employment status. Buyer Comment (2026-06-29): please clear, the post close voe was only expired by [redacted] day, the borrower has been employed at this company since [redacted] Reviewer Comment (2026-06-26): Exception was escalated. Response: Under [redacted] and [redacted], the ATR rule requires that borrower's employment status is verified at or prior to consummation. A post VVOE would not meet this requirement. However, although employment must be verified at or prior to consummation, the rule does not detail how employment must be verified. Based on recent guidance, we can get to Non-QM if we have a lender's exception that explains what pre-consummation alternative documentation was used to confirm employment pre-consummation. This would not be to accept a post close VVOE, but rather what alternate sources were used in lieu of a pre-consummation VVOE to get comfortable with the borrower's employment status. The lender exception does not detail this as it still points to the post closing VVOE. Also the most recent paystub for [redacted] is through [redacted], while the loan did not close until [redacted], which provides a [redacted] month gap. Please ask lender for updated lender exception that details hat alternate sources were used in lieu of a pre-consummation VVOE to get comfortable with the borrower's employment status. Buyer Comment (2026-06-24): updated exception upld Reviewer Comment (2026-06-22): Lender exception approval provided, post closing, or a post closing VOE for borrower. Final VOE in file is dated [redacted], loan closed [redacted]. Paystubs are in the file. The exception approval requires [redacted]% max dti however the calculated DTI is [redacted]%. Buyer Comment (2026-06-18): exception Reviewer Comment (2026-06-05): The loan has been re-designated to non-qm. Non-QM loans require VOEs to be dated at or prior to consummation to be considered as required by regulation. A lender exception approval supporting that they used alternate documentation to verify employment status pre-consummation or addressed a VOE timing exception with sufficient compensating factors prior to closing is required. Buyer Comment (2026-06-05): please redesignate to non-qm Reviewer Comment (2026-05-20): Failure due to APR exceeds threshold. Buyer Comment (2026-05-17): please redesignate to qm, post close voe is acceptable |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499482 | [Redacted] | [Redacted] | 36352219 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] finding due to verification of employment obtained after Note date. | Reviewer Comment (2026-07-07): Received Verification of employment within [redacted] business days of note. Exception cleared. |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499482 | [Redacted] | [Redacted] | 36352256 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-20): E-Sign Consent Agreement received. Buyer Comment (2026-05-17): econsent |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225499482 | [Redacted] | [Redacted] | 36352796 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided | Reviewer Comment (2026-05-20): Bankruptcy Documents received. Buyer Comment (2026-05-17): bankruptcy docs upld |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225499482 | [Redacted] | [Redacted] | 36352798 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Primary wage earner does not meet minimum tradeline requirements. The credit report does not disclose any active tradelines, and the last activity was more than [redacted] months prior to application date. Alternative credit is not provided. | Reviewer Comment (2026-05-20): Re-designated. Condition cleared. Buyer Comment (2026-05-17): bwr lox upld, also see comment on UW Tansmittal Summary |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225499482 | [Redacted] | [Redacted] | 36352812 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-04-27): Sufficient Cure Provided At Closing |
04/27/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225499482 | [Redacted] | [Redacted] | 36357395 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The verification of employment was obtained on [Redacted] which is after the Note date [Redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-06-26): Received TWN post closing which meets lender guides. Buyer Comment (2026-06-24): updated exception upld Reviewer Comment (2026-06-22): Lender exception approval provided, post closing, or a post closing VOE for borrower. Final VOE in file is dated [redacted], loan closed [redacted]. Paystubs are in the file. The exception approval requires [redacted]% max dti however the calculated DTI is [redacted]%. Reviewer Comment (2026-05-20): Lender redesignated Loan designation. Buyer Comment (2026-05-17): please redesignate to qm, post close voe is acceptable |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225499482 | [Redacted] | [Redacted] | 36357400 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | The verification of employment was obtained on [Redacted] which is after the Note date [Redacted] | Reviewer Comment (2026-05-20): Re-designated. Condition cleared. Reviewer Comment (2026-05-20): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. Buyer Comment (2026-05-17): please redesignate to qm, post close voe is acceptable |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499482 | [Redacted] | [Redacted] | 36357401 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The verification of employment was obtained on [Redacted] which is after the Note date [Redacted] | Reviewer Comment (2026-05-20): Re-designated. Condition cleared. Buyer Comment (2026-05-17): please redesignate to qm, post close voe is acceptable |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225499482 | [Redacted] | [Redacted] | 36543467 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of ATR Fail. | Failure due to APR exceeds threshold. | Reviewer Comment (2026-06-05): Resignated to non-qm per client. Buyer Comment (2026-06-05): please redesignate to non-qm |
06/05/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225499482 | [Redacted] | [Redacted] | 36543468 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [Redacted] is equal to or greater than the threshold of [Redacted] | Failure due to APR exceeds threshold. | Reviewer Comment (2026-06-05): Resignated to non-qm per client. Buyer Comment (2026-06-05): please redesignate to non-qm |
06/05/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225499497 | [Redacted] | [Redacted] | 36352966 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[Redacted] on the initial Loan Estimate but was disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing [Redacted] is sufficient to address the violation but is insufficient to address all tolerance violations. | Reviewer Comment (2026-05-20): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-05-19): Please see final CD that already shows a lender credit for $[redacted] for this violation |
05/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225499497 | [Redacted] | [Redacted] | 36356288 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Compliance Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Settlement Fee - Other (Compliance Fee) was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee. The cure provided at closing [Redacted] is insufficient to address all tolerance violations. | Reviewer Comment (2026-05-20): [redacted] received Post CD and LOX. Buyer Comment (2026-05-19): Please see final CD that already shows a lender credit for $[redacted] for this violation |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225499497 | [Redacted] | [Redacted] | 36541476 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | No | 1 | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225504194 | [Redacted] | [Redacted] | 36358028 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Instrument provides a date within the [redacted] line for the borrower. This was not completed. Please provide the signed/dated/notarized Security Instrument for the subject loan. | Reviewer Comment (2026-05-18): Received Scrivener's Affidavit. Buyer Comment (2026-05-14): [redacted] |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225504194 | [Redacted] | [Redacted] | 36358473 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted]indicates there is a lender exception on the loan, however the exception form, approval and compensating factors are missing. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-05-18): Client elects to waive with compensating factors. Reviewer Comment (2026-05-18): Lender exception provided for borrower is short [redacted] months reserves. Guidelines require a total of [redacted] months PITIA. Buyer Comment (2026-05-14): exception |
05/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225504681 | [Redacted] | [Redacted] | 36353337 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted] Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted] Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-21): Received proof/confirmation that copy of second appraisal report date [redacted] deliver to borrower from [redacted] business days prior to closing date. Exception Cleared. Buyer Comment (2026-05-19): The APR is less that .[redacted]% difference. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225504681 | [Redacted] | [Redacted] | 36353365 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[Redacted] on initial CD and then as $[Redacted] on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-20): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-05-19): Please see final CD. This fee has already been credited to the borrower. Please clear condition. |
05/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225504681 | [Redacted] | [Redacted] | 36353366 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report fee disclosed as $[Redacted]on all CD's and LE's and then changed to $[Redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-20): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-05-19): Please see final CD. This fee has already been credited to the borrower. Please clear condition. |
05/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225504681 | [Redacted] | [Redacted] | 36353367 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee of $[Redacted] not disclosed on initial or final LE's. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-21): Lender Exception with Compensating Factors provided. Reviewer Comment (2026-05-20): [redacted] received Post CD and LOX. However, we are unable to determine from the file whether the lender or title company required the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-19): Please see attached. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225504681 | [Redacted] | [Redacted] | 36357465 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Secondary appraisal dated [Redacted] missing evidence of receipt. | Reviewer Comment (2026-05-21): Received proof/confirmation that copy of second appraisal report date [redacted] deliver to borrower from [redacted] business days prior to closing date. Exception Cleared. Buyer Comment (2026-05-19): Please see attached. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225504681 | [Redacted] | [Redacted] | 36357516 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee not disclosed on initial CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-05-20): [redacted] received a valid COC. Buyer Comment (2026-05-19): Please see attached COC reason which is a Valid COC. Please clear condition. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225504681 | [Redacted] | [Redacted] | 36357520 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [Redacted] years, and prior employment history was not documented as required. | - | Per [redacted], lender exception request for < [Redacted] months at current job and [Redacted] % LTV FTHB is approved. [Redacted] exception request form not provided in file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-19): Please see attached exception. |
05/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||
| 225504681 | [Redacted] | [Redacted] | 36357532 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per [redacted] , lender exception request for < [Redacted] months at current job and [Redacted] % LTV FTHB is approved. [Redacted] U/W disposition and exception request form not provided in file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-19): [redacted] condition. Please clear. |
05/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225504681 | [Redacted] | [Redacted] | 36357634 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due to exception. Per 1008, lender exception request for < [Redacted] months at current job and [Redacted] % LTV FTHB is approved. [Redacted] U/W disposition and exception request form not provided in file. | Reviewer Comment (2026-05-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-19): [redacted] condition.Please clear. |
05/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225504681 | [Redacted] | [Redacted] | 36357635 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | [Redacted] due to exception. Per 1008, lender exception request for < [Redacted] months at current job and [Redacted] % LTV FTHB is approved. [Redacted] U/W disposition and exception request form not provided in file. | Reviewer Comment (2026-05-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-19): [redacted] condition.Please clear. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225504681 | [Redacted] | [Redacted] | 36541541 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225504681 | [Redacted] | [Redacted] | 36541542 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225504682 | [Redacted] | [Redacted] | 36353600 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | Verification of employment within [Redacted] business days of the Note date for [redacted] is not located in the file. Lender approved exception for post closing VOE. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-10): Client elects to waive with compensating factors. Buyer Comment (2026-06-08): Please see attached Post close VOE for B[redacted] [redacted]nd job and Exception Approval - Loan to receive a "[redacted]" Grade Buyer Comment (2026-06-08): Please see attached Post close VOE for B[redacted] [redacted] job and Exception Approval - Loan to receive a "[redacted]" Grade Reviewer Comment (2026-05-18): Exception remains, Verification of employment within [redacted] business days of the Note date for [redacted] is not located in the file. [redacted] // Employment Type: Employment / Income Type: Wages / Start Date: [redacted]. Please provided. Buyer Comment (2026-05-14): Please see attached VVOE's for both [redacted]and [redacted] Buyer Comment (2026-05-14): Please see attached VVOE's for both [redacted] and [redacted] |
06/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225504682 | [Redacted] | [Redacted] | 36353602 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted]due to missing verification of employment for co-borrower. | Reviewer Comment (2026-06-10): Related exception downgraded and waived with comp factors. Reviewer Comment (2026-06-10): Regraded to EV2-B with comp factors. Reviewer Comment (2026-06-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. Buyer Comment (2026-06-08): Please see attached Post close VOE for B[redacted] [redacted] job and Exception Approval - Loan to receive a "[redacted]" Grade Reviewer Comment (2026-05-18): Exception remains, Verification of employment within [redacted] business days of the Note date for [redacted] is not located in the file. [redacted] // Employment Type: Employment / Income Type: Wages / Start Date: [redacted]. Please provided. Buyer Comment (2026-05-14): Please see attached VVOE's for both [redacted] and [redacted] |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225504682 | [Redacted] | [Redacted] | 36357829 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [Redacted] due to missing verification of employment for co-borrower. | Reviewer Comment (2026-06-10): Loan is Non-QM. Buyer Comment (2026-06-08): Please see attached Post close VOE for B[redacted] [redacted]nd job and Exception Approval - Loan to receive a "[redacted]" Grade Reviewer Comment (2026-05-18): Exception remains, Verification of employment within [redacted] business days of the Note date for [redacted] is not located in the file. [redacted] // Employment Type: Employment / Income Type: Wages / Start Date: [redacted]. Please provided. Buyer Comment (2026-05-14): Please see attached VVOE's for both [redacted] and [redacted] |
06/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225518736 | [Redacted] | [Redacted] | 36361779 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-05-26): Received Final Title policy document which includes T-[redacted] and T-[redacted] (both) endorsements, information validated. Exception cleared. |
05/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225518736 | [Redacted] | [Redacted] | 36361797 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Documentation to verify the property tax is not located in the file. | Reviewer Comment (2026-05-20): Received HOI, HOA and Tax verification verified, exception cleared. Buyer Comment (2026-05-18): property profile upld |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225518736 | [Redacted] | [Redacted] | 36361903 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted] Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-20): Received appraisal receipt verified, exception cleared. Buyer Comment (2026-05-18): aprsl receipt for [redacted] report upld to trl docs |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225518736 | [Redacted] | [Redacted] | 36361904 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Reviewer Comment (2026-05-20): Received appraisal receipt verified, exception cleared. Buyer Comment (2026-05-18): aprsl receipt for [redacted] report upld to trl docs |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225518736 | [Redacted] | [Redacted] | 36361906 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) [redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted]([redacted])([redacted]): Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [Redacted] endorsement or the [Redacted] | Reviewer Comment (2026-05-26): Received Final Title policy document which includes T-[redacted] and T-[redacted] (both) endorsements, information validated. Exception cleared. Buyer Comment (2026-05-22): final policy upld |
05/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225518736 | [Redacted] | [Redacted] | 36361907 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Guaranty Fee $[Redacted] was not disclosed on Loan Estimate. File does not contain a valid change of circumstances for this fee, nor evidence of cure. | Reviewer Comment (2026-05-29): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-28): pccd docs upld |
05/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225521382 | [Redacted] | [Redacted] | 36372050 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for borrower is currently on title with their parents who presently occupy the subject property. Te current occupants are purchasing a new residence and scheduled to close concurrently with this transaction. The subject property will be vacant at closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-10): Client elects waive with comp factors. Reviewer Comment (2026-04-30): Client elects to waive with compensating factors. |
04/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225521465 | [Redacted] | [Redacted] | 36369387 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification for [Redacted] was not found in file. | Reviewer Comment (2026-06-15): Closing Disclosure provided to verify PITIA. Exception cleared. Buyer Comment (2026-06-11): Please see attached CD Reviewer Comment (2026-05-22): Mortgage statement is missing; unable to verify PITIA. Mortgage statement is required. Exception Remains. Buyer Comment (2026-05-20): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225521465 | [Redacted] | [Redacted] | 36369389 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification for [Redacted] was not found in file. | Reviewer Comment (2026-06-15): Closing Disclosure provided to verify PITIA. Exception cleared. Buyer Comment (2026-06-11): Please see attached. Buyer Comment (2026-06-11): Please see attached Reviewer Comment (2026-05-22): Mortgage statement is missing; unable to verify PITIA. Mortgage statement is required. Exception Remains. Buyer Comment (2026-05-20): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225521465 | [Redacted] | [Redacted] | 36369390 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification for property - [Redacted] was not found in file. | Reviewer Comment (2026-06-15): Mortgage statement provided to verify PITIA. Exception cleared. Buyer Comment (2026-06-11): Please see attached. Reviewer Comment (2026-05-22): Mortgage statement is missing; unable to verify PITIA. Mortgage statement is required. Exception Remains. Buyer Comment (2026-05-20): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225521465 | [Redacted] | [Redacted] | 36369392 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification for property - [Redacted] was not found in file. | Reviewer Comment (2026-06-15): Closing Disclosure provided to verify PITIA. Exception cleared. Buyer Comment (2026-06-11): Please see attached. Reviewer Comment (2026-05-22): Mortgage statement is missing; unable to verify PITIA. Mortgage statement is required. Exception Remains. Buyer Comment (2026-05-20): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225521465 | [Redacted] | [Redacted] | 36369393 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification for property - [Redacted] was not found in file. | Reviewer Comment (2026-05-22): Received Tax verification. Exception Cleared. Buyer Comment (2026-05-20): Please see attached. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225521465 | [Redacted] | [Redacted] | 36848940 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Reviewer Comment (2026-07-16): Updated Hazard insurance document received and verified. Exception cleared. Buyer Comment (2026-07-15): Please see attached. |
07/16/2026 | No | 1 | A | A | A | A | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||||
| 225522219 | [Redacted] | [Redacted] | 36368386 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification document is missing in file for REO properties. | Reviewer Comment (2026-06-09): Received Final 1003 with corrected property expenses for the REO Property -[redacted]. Exception cleared. Buyer Comment (2026-06-08): revised 1008/1003 upld property costs corrected for [redacted] Reviewer Comment (2026-06-03): Received updated 1003 and 1008. Property [redacted] is free and clear. There are no HOA, Tax amount is $[redacted] and Insurance amount is $[redacted] (Verified from 1040 Schedule E). There is a difference of $[redacted]. Please provide updated Hazard Insurance Policy. Exception remains. Buyer Comment (2026-06-02): revised 1008/1003, lox confirming no hoi or hoa upld, there are only taxes on [redacted] the expenses amount has been updated Reviewer Comment (2026-05-20): Final 1003 shows expenses of $[redacted] for which we need documentation. Exception Remains. Buyer Comment (2026-05-18): please see property profiles on [redacted], [redacted] & [redacted] showing owned free & clear, no hoi |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225522219 | [Redacted] | [Redacted] | 36415322 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - LTV. Original loan amount is [Redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-22): Client elects to waive with compensating factors. Reviewer Comment (2026-06-22): Lender exception approval provided, post closing, for LTV currently exceeding guideline of max [redacted]%. LTV is [redacted]% due to appraised value coming in lower than exceptected. ($[redacted] vs $[redacted]). Buyer Comment (2026-06-18): exception |
06/22/2026 | Yes | 2 | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||||
| 225522833 | [Redacted] | [Redacted] | 36365795 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification(s) of employment is missing. | Reviewer Comment (2026-06-22): Verification of employment and signed and dated [redacted]-C received. Buyer Comment (2026-06-19): Please see attached. Reviewer Comment (2026-06-03): Received Third party Verification of Employment dated [redacted]. Required executed [redacted]-C ([redacted]) and [redacted]-C ([redacted]). Exception remains Buyer Comment (2026-06-02): Please see attached. Reviewer Comment (2026-05-22): Borrower is Salaried require VVOE document within the [redacted] business days from the closing date along with [redacted]-C for year [redacted] & [redacted], as provided document is not within [redacted] business days from the closing date. Exception Remains. Buyer Comment (2026-05-20): Please see attached. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225522833 | [Redacted] | [Redacted] | 36365810 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification(s) of employment is not provided | Reviewer Comment (2026-06-22): Verification of employment and signed and dated [redacted]-C received. Buyer Comment (2026-06-19): [redacted] Reviewer Comment (2026-06-03): Received Third party Verification of Employment dated [redacted]. Required executed [redacted]-C ([redacted]) and [redacted]-C ([redacted]). Exception remains Buyer Comment (2026-06-02): [redacted]. Please clear Reviewer Comment (2026-05-22): Borrower is Salaried require VVOE document within the [redacted] business days from the closing date along with [redacted]-C for year [redacted] & [redacted], as provided document is not within [redacted] business days from the closing date. Exception Remains. Buyer Comment (2026-05-20): [redacted]. Pleae clear. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225522833 | [Redacted] | [Redacted] | 36365811 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is not provided within [redacted] calendar days of the Note. Income documentation requirements not met. | Reviewer Comment (2026-06-03): Received Third party Verification of Employment dated [redacted]. Exception cleared. Buyer Comment (2026-06-02): [redacted]. Please clear. Reviewer Comment (2026-05-22): Borrower is Salaried require VVOE document within the [redacted] business days from the closing date along with [redacted]-C for year [redacted] & [redacted], as provided document is not within [redacted] business days from the closing date. Exception Remains. Buyer Comment (2026-05-20): [redacted]. Please clear |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225522833 | [Redacted] | [Redacted] | 36371415 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | Rent Comparison Schedule is missing. | Reviewer Comment (2026-07-01): As per guidelines, for properties in rural areas with insufficient short-term rental comparables, Form 1007 Rent Comparison Schedule is not required, exception cleared. Buyer Comment (2026-06-29): Please see rebuttal. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225523102 | [Redacted] | [Redacted] | 36368992 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The available document is an estimated closing statement. The final signed and dated HUD/CD is missing. | Reviewer Comment (2026-06-24): Final closing statement provided. Exception cleared. Buyer Comment (2026-06-23): cc of final ss for this transaction upld Reviewer Comment (2026-06-23): Received HUD is for purchase transaction. Provide final closing statement for current refinance transaction. Exception remains Buyer Comment (2026-06-22): The settlement gent [redacted] is present on the final ss provided on d[redacted] Reviewer Comment (2026-06-22): The settlement agent's [redacted] is missing below the 'True and Certified' stamp. Exception Remains. Buyer Comment (2026-06-19): Final Settlement Reviewer Comment (2026-06-15): The settlement agent's [redacted] is missing below the 'True and Certified' stamp. Exception Remains. Buyer Comment (2026-06-12): final ss upld |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225523102 | [Redacted] | [Redacted] | 36368993 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Please override. Member details are not required. | Reviewer Comment (2026-05-20): Not required for members, cleared Buyer Comment (2026-05-19): please cancel, [redacted] & [redacted] are not on the loan, the only signed as additional members of the llc. |
05/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NV | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225523102 | [Redacted] | [Redacted] | 36373466 | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Coverage Amount is insufficient per guidelines. | Original Loan Amount: ___; Estimated Cost New: ___; Lender Documented Insured Value: ___ | Hazard insurance has a shortfall amount of $[Redacted]and does not cover loan amount. | Reviewer Comment (2026-05-20): Agent email confirming [redacted]% replacement cost, cleared Buyer Comment (2026-05-20): agent email confirming [redacted]% grc upld |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225524724 | [Redacted] | [Redacted] | 36369288 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Missing Guarantor Agreement in the loan file. | Reviewer Comment (2026-07-06): Documentation provided. Reviewer Comment (2026-06-22): Provided guarantor signed at post note dated, please guarantor agreement signed and dated with in the note date. Exception remains. Buyer Comment (2026-06-19): Please see attached. |
07/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225524724 | [Redacted] | [Redacted] | 36369294 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [Redacted] requirements. Variance is more than [Redacted] | DSCR Qualified using Lease Agreement for [Redacted] and ADU [Redacted] | Reviewer Comment (2026-06-30): Updated [redacted] received. Reviewer Comment (2026-06-26): UPDATE DSCR: [redacted] [redacted]. DD [redacted]. Lender DSCR worksheet .[redacted]. Reviewer Comment (2026-06-16): No new document received. DSCR data of [redacted] is not matching with calculated DSCR of [redacted]. In addition, require revised DSCR worksheet reflecting DSCR of [redacted]. Exception remains. Buyer Comment (2026-06-12): Please review, it appears that we are within .[redacted]. Please clear condition. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225526341 | [Redacted] | [Redacted] | 36373688 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Four judgements and tax liens totaling more than $[Redacted] million are open and active with no prepayment plan provided. | Reviewer Comment (2026-05-19): Received Satisfaction of Liens or Judgments in the file. Exception Cleared. Buyer Comment (2026-05-16): Please see attached Documentation verifying the following judgements/collections/liens have been paid off and closed: Filing Number: [redacted] Filing Type: Civil Judgment Amount: $[redacted], Filing Number: [redacted], Filing Type: State Tax Lien Amount: $[redacted], Filing Number: [redacted], Filing Type: State Tax Lien Amount: $[redacted], Filing Number: [redacted] Filing Type: Civil Judgment, Amount: $[redacted] |
05/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225526341 | [Redacted] | [Redacted] | 36373936 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [Redacted] month mortgage payment history for the subject property. | Reviewer Comment (2026-07-13): Cleared. Received documentation regarding papyment history. Buyer Comment (2026-07-08): Please see attached copy of pay history on mortgage account in question. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225528717 | [Redacted] | [Redacted] | 36380069 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation address does not match Note address. Appraisal address: [Redacted] Note address: [Redacted] | Reviewer Comment (2026-05-20): Valuation with corrected address, cleared Buyer Comment (2026-05-20): Corrected appraisal |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WY | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||
| 225528717 | [Redacted] | [Redacted] | 36380090 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution was not found in file. | Reviewer Comment (2026-05-14): Corporate Resolution, cleared Buyer Comment (2026-05-14): LLC docs |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WY | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225528717 | [Redacted] | [Redacted] | 36385818 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted]indicates a lender exception was approved. The exception form, approval and comp factors are missing. | Reviewer Comment (2026-05-14): Complete Lender Exception, cleared Buyer Comment (2026-05-14): exception |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WY | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225528717 | [Redacted] | [Redacted] | 36385902 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal is subject to paint and electrical panel. The [Redacted] provided does not indicate if the electrical panel was repaired | Reviewer Comment (2026-05-20): Per 442, electrical panel repaired, cleared Buyer Comment (2026-05-20): 1004d |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WY | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225528717 | [Redacted] | [Redacted] | 36385908 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the deed transferring the property to the borrowing entity. | Reviewer Comment (2026-05-14): Deed transferring the property to the borrowing entity, cleared Buyer Comment (2026-05-14): Deed |
05/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WY | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225528717 | [Redacted] | [Redacted] | 36385913 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | The CDA address does not match the note address. | Reviewer Comment (2026-05-26): Received CDA. Exception Cleared. Buyer Comment (2026-05-22): CDA |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WY | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||
| 225528717 | [Redacted] | [Redacted] | 36492245 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for lack of comparables. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-14): Lender exception approved |
05/14/2026 | Yes | 2 | B | B | B | B | B | WY | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| 225542208 | [Redacted] | [Redacted] | 36380577 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-sign consent is reflecting pending status. | Reviewer Comment (2026-05-20): Received E-Sign Consent Agreement. Exception Cleared. Buyer Comment (2026-05-16): please see attached below. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225542208 | [Redacted] | [Redacted] | 36380580 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Award letter for pension income is missing in file. | Reviewer Comment (2026-05-20): Received bank statements. Exception Cleared. Buyer Comment (2026-05-16): . Buyer Comment (2026-05-16): Please see attached. [redacted] used [redacted] months of bank statements to accurately confirm pension in lieu of award letter. Please remove condition. |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225542208 | [Redacted] | [Redacted] | 36380590 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due to Award letter for pension income is missing in file. | Reviewer Comment (2026-05-20): Received bank statements. Exception Cleared. Buyer Comment (2026-05-16): This was never a Non QM loan per [redacted]. This needs to be redesignated as a QM loan to cleat the condition. |
05/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225542208 | [Redacted] | [Redacted] | 36380591 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted]due to Award letter for pension income is missing in file. | Reviewer Comment (2026-05-20): Received bank statements. Exception Cleared. Buyer Comment (2026-05-16): [redacted], please remove condition |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225542208 | [Redacted] | [Redacted] | 36380592 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee disclosed as $[Redacted]on Loan Estimate dated 0[Redacted] but disclosed as $[Redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-19): [redacted] Received Valid COC dated [redacted]. Buyer Comment (2026-05-16): Please see attached the COC |
05/19/2026 | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225542208 | [Redacted] | [Redacted] | 36380593 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[Redacted] on Loan Estimate dated [Redacted] but disclosed as $[Redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): Please see attached PCCD, LOX, LABEL, and CHECK to clear condition |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225542208 | [Redacted] | [Redacted] | 36380595 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to Award letter for pension income is missing in file. | Reviewer Comment (2026-05-20): Received bank statements. Exception Cleared. Buyer Comment (2026-05-16): [redacted], please remove condition |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225543069 | [Redacted] | [Redacted] | 36387878 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Title search was not disclosed on LE but disclosed as $[Redacted]on Final closing disclosure and Recording fees was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-10): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-09): The cure Check and Cover letter already show $[redacted], see attached updated PCCD showing [redacted] along with a cover letter to the borrower. Since this was a clerical change only, we have sent the cover letter and PCCD to the borrower via our internal portal. Reviewer Comment (2026-06-05): [redacted] received cure docs for $[redacted] cure but total cure required is $[redacted]. Baseline for [redacted]% fees is $[redacted] recording fee on initial LE. On final CD recording fee increased to $[redacted]and additional [redacted] fee of $[redacted] added on final CD. Total [redacted]% fee on final CD is $[redacted]*[redacted] = $[redacted] Cure required is $[redacted] - $[redacted] = $[redacted]. Please provide remaining cure of $[redacted]. Buyer Comment (2026-06-03): Please see attached Cure check, PCCD, Cover letter and proof [redacted] delivered. |
06/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225543106 | [Redacted] | [Redacted] | 36388548 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | Verification of employment is not within [Redacted] business days of the Note. | Reviewer Comment (2026-05-19): Received third party verification of employment within [redacted] business day of the Note. Exception cleared. Buyer Comment (2026-05-15): Please see attached closing VVOE that was done on [redacted] which is less than [redacted] days prior to closing. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225543106 | [Redacted] | [Redacted] | 36388550 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification(s) of employment is not within [Redacted] business days of the Note. | Reviewer Comment (2026-05-19): Received third party verification of employment within [redacted] business day of the Note. Exception cleared. Buyer Comment (2026-05-15): [redacted] condition. Please clear. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225543106 | [Redacted] | [Redacted] | 36388552 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification(s) of employment is not within [Redacted] business days of the Note. | Reviewer Comment (2026-05-19): Received third party verification of employment within [redacted] business day of the Note. Exception cleared. Buyer Comment (2026-05-15): [redacted] condition. Please clear. |
05/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225543106 | [Redacted] | [Redacted] | 36388553 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Verification(s) of employment is not within [Redacted] business days of the Note. | Reviewer Comment (2026-05-19): Received third party verification of employment within [redacted] business day of the Note. Exception cleared. Buyer Comment (2026-05-15): [redacted] condition. Please clear. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225543106 | [Redacted] | [Redacted] | 36388554 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verification(s) of employment is not within [Redacted] business days of the Note. | Reviewer Comment (2026-05-19): Received third party verification of employment within [redacted] business day of the Note. Exception cleared. Buyer Comment (2026-05-15): [redacted] condition. Please clear. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225543106 | [Redacted] | [Redacted] | 36388557 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-18): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-05-15): Please see final CD which shows the credit has already been given. Please clear condition. |
05/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225543106 | [Redacted] | [Redacted] | 36388558 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-29): [redacted] received corrected PCCD and LOE Buyer Comment (2026-05-28): This fee is a borrower elected fee. Please clear condition. Reviewer Comment (2026-05-18): [redacted] received PCCD and LOE, however we are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-05-15): Please see attached PCCD. Moved fee to correct section. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225543106 | [Redacted] | [Redacted] | 36607237 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Sufficient cure provided at closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225544926 | [Redacted] | [Redacted] | 36388729 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: Subject is located in a project and HOA Information was not provided. | - | Subject is located in a project and HOA Information was not provided. | Reviewer Comment (2026-06-22): HOA document provided. Exception cleared. Buyer Comment (2026-06-19): Could you please explain why this document being dated after the note date would matter? This should be sufficent information to clear this condition. Reviewer Comment (2026-06-15): Provided document is after Note date. Please provide valid document before Note date. Exception remains. Buyer Comment (2026-06-12): Please see attached. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225546546 | [Redacted] | [Redacted] | 36392350 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title commitment reflects a contract for deed. Clarification is required and evidence regarding the disposition of the contract for deed will be required. | Reviewer Comment (2026-07-07): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-06-05): Received quit claim deed which is already a part of the initial package. Require clarification and evidence regarding the disposition of the contract for deed in the amount of $[redacted]. Buyer Comment (2026-06-03): cfd Reviewer Comment (2026-05-20): Contract of Deed already available in the file D[redacted], require disposition of the contract for deed. Exception Remains. Buyer Comment (2026-05-18): contract for deed |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225547638 | [Redacted] | [Redacted] | 36397749 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal Report is reflecting Loan Purpose " Purchase" instead of "Refinance". | Reviewer Comment (2026-06-09): Received clarification regarding prior transaction. Condition cleared. Buyer Comment (2026-06-05): rebuttal upld |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225548153 | [Redacted] | [Redacted] | 36398820 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance exceeded due to Lender's Title insurance fee increasing from $ [redacted] on initial LE to $ [redacted] on final CD. No valid change of circumstance or cure for borrower provided. | Reviewer Comment (2026-06-09): [redacted] received corrected PCCD and LOE Buyer Comment (2026-06-08): This is exactly why I got the explanation from the title company, however per your request, please see corrected PCCD and cover letter updating as requested. Since this is a clerical change only the Cover Letter and PCCD has been delivered to the borrower via our internal portal. Reviewer Comment (2026-05-29): [redacted] received LOE for rebuttal response and policy adjustment of $[redacted] on page [redacted]. However, for fee tolerance testing the credit should be disclosed specifically to the fee in question. A credit "for Policy adjustment" is not specific and is a general credit to borrower and not specific to the fee in question. A corrected CD and LOE to borrower should place this credit towards the Lender's title insurance, if that is the fee it was intended to be credited toward and shown in the Paid by Others column on page [redacted] of the Corrected CD. It should be credited specifically to that fee in the paid by others column or Cure would be due to borrower. Buyer Comment (2026-05-28): Although it appears Title-Lenders Title -increased from $[redacted]- to $[redacted] on [redacted] this is due to the way some title companies in this county do this fee. The Fee is $[redacted] however the actual fee to the borrower is usually between $[redacted] and the seller pays the rest. Some title companies automatically break it out upfront, however, others charge it all to the borrower then credit them back. If you look at page [redacted] of the final CD you will see on the borrower's side a credit called Title Policy Adjustment for $[redacted] and charge on the seller's side for the same amount of $[redacted]. This is to adjust the Lenders Title. Therefore the net for this fee is actually $[redacted] therefore the fee was over disclosed by $[redacted]. Please see attached title correspondence and fee chart for verification. |
06/09/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550734 | [Redacted] | [Redacted] | 36404285 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was last disclosed as $[Redacted] on the 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 (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225550734 | [Redacted] | [Redacted] | 36404290 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 the 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 (2026-06-08): [redacted] Received Valid COC dated [redacted] along with supporting comments on the exception. Buyer Comment (2026-06-05): Borrower bought down rate |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225550734 | [Redacted] | [Redacted] | 36404293 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on the 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 (2026-06-02): Cured at closing or within [redacted]days of consummation prior to [redacted] Buyer Comment (2026-06-01): See D[redacted] page [redacted] for final CD, bottom of page [redacted] has the cure already |
06/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225550758 | [Redacted] | [Redacted] | 36409439 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Missing deed for subject transaction. | Reviewer Comment (2026-06-11): Received deed transfer to subject owner. Exception cleared. Buyer Comment (2026-06-10): Deed Reviewer Comment (2026-06-08): Received security instrument which was available at initial review. Require subject transaction deed, transferring subject property to borrower on the file. Exception remains. Buyer Comment (2026-06-05): Deed Reviewer Comment (2026-05-26): Please provide deed document for the subject transaction. Exception remains. Buyer Comment (2026-05-22): Deed |
06/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556156 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556162 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | A CPA, EA, licensed tax preparer, or licensed attorney letter or equivalent document verifying self employment is not locate din the file. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556187 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556190 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached |
06/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556191 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556192 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556193 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556234 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): [redacted]. please clear. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556235 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ( [redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant [redacted] business days prior to Note. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556236 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556237 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | CPA letter was not provided. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): [redacted]. Please clear. |
06/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550861 | [Redacted] | [Redacted] | 36556238 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | CPA letter was not provided. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556239 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Asset bank statements were not provided. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): [redacted]. Please clear |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556240 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | CPA letter was not provided. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): [redacted]. Please clear. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556242 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | CPA letter was not provided. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): [redacted]. Please clear. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556243 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | CPA letter was not provided. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556244 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | The Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550861 | [Redacted] | [Redacted] | 36556245 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Loan Disclosures: The Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550861 | [Redacted] | [Redacted] | 36556246 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-05-21): Sufficient Cure Provided At Closing |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550861 | [Redacted] | [Redacted] | 36556247 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Provider document was not provided. | Reviewer Comment (2026-06-10): Document provided |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | No Defined Cure | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225550861 | [Redacted] | [Redacted] | 36556314 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Bank statements were not provided to meet asset requirement. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): [redacted]. Please clear. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550861 | [Redacted] | [Redacted] | 36556315 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | A CPA, EA, licensed tax preparer, or licensed attorney letter or equivalent document verifying self employment is not locate din the file. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): [redacted]. Please clear. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550861 | [Redacted] | [Redacted] | 36567416 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for [redacted] months subject property PITIA (short by [Redacted] months or $[Redacted]). Min of [redacted]months reserves required. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-06-02): Client elects to waive with compensating factors. Buyer Comment (2026-05-31): Please see attached. |
06/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225550861 | [Redacted] | [Redacted] | 36567535 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Documentation to support [redacted]months reserves as required by guidlines is not located in the file. | Reviewer Comment (2026-06-02): Received required documentation. Condition cleared. Buyer Comment (2026-05-31): Please see exception and assets. Please clear condition. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550861 | [Redacted] | [Redacted] | 36639082 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File remains missing the following disclosures: , Sellers closing disclosure | Reviewer Comment (2026-06-22): Seller Closing disclosure document provided and associated. Exception cleared Buyer Comment (2026-06-19): Please see attached. Reviewer Comment (2026-06-10): Seller Closing Disclosure is missing. Buyer Comment (2026-06-09): Please see attached. |
06/22/2026 | No | 1 | A | A | A | A | A | WA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225550866 | [Redacted] | [Redacted] | 36403122 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing Closing Disclosure or other documentation verifying proceeds of [redacted] loan on departure residence supporting funds required for closing and reserves. | Reviewer Comment (2026-06-02): Received bridge loan closing disclosure. Exception cleared. Buyer Comment (2026-06-01): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550866 | [Redacted] | [Redacted] | 36403183 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Calculated DTI of [Redacted]% exceeds bid tape value of [Redacted]%. Discrepancy is due to 1) Inclusion of PITIA on departure residence as insufficient documentation is provided to allow exclusion; 2) Inclusion of PITI on vacant land, which is disclosed as pending sale on the final [redacted], but documentation of sale is not provided. | Reviewer Comment (2026-07-15): Received Appraisal report & the departure residence excluded. Exception cleared. Buyer Comment (2026-07-13): Please see attached. Buyer Comment (2026-07-13): Please see attached Reviewer Comment (2026-06-23): Lender exception approval provided to exclude PITIA on vacant land which is listed for sale. Guidelines allow for the exclusion of primary payments if listed with sufficient equity and reserves. Guides do not address land only. Excluded expense for the vacant land. Appraisal is missing for the [redacted] property and is required to support excluding the PITIA. Reviewer Comment (2026-06-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; [redacted] Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-06-19): Please see the exception attached. We excluded the PITIA on both of the properties pending sale because they are vacant land that are listed for sale. Guidelines allow for the exclusion of the primary payments if listed with sufficent equity and reserves. Please clear condition. Reviewer Comment (2026-06-02): As per the Final 1003, both REOs are currently pending sale. Please provide the appraisal for [redacted] and the final closing statement for [redacted] to exclude the PITIA from the DTI calculation. Exception remains. Buyer Comment (2026-06-01): [redacted]. Please clear. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550866 | [Redacted] | [Redacted] | 36403250 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated DTI of [Redacted]% exceeds bid tape value of [Redacted]%. Discrepancy is due to 1) Inclusion of PITIA on departure residence as insufficient documentation is provided to allow exclusion; 2) Inclusion of PITI on vacant land, which is disclosed as pending sale on the final [redacted] , but documentation of sale is not provided. | Reviewer Comment (2026-07-15): Received Appraisal report & the departure residence excluded. Exception cleared. Buyer Comment (2026-07-13): [redacted] Reviewer Comment (2026-06-23): Lender exception approval provided to exclude PITIA on vacant land which is listed for sale. Guidelines allow for the exclusion of primary payments if listed with sufficient equity and reserves. Guides do not address land only. Excluded expense for the vacant land. Appraisal is missing for the [redacted] property and is required to support excluding the PITIA. Reviewer Comment (2026-06-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-02): As per the Final 1003, both REOs are currently pending sale. Please provide the appraisal for [redacted] and the final closing statement for [redacted] to exclude the PITIA from the DTI calculation. Exception remains. Buyer Comment (2026-06-01): [redacted]. Please clear. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550866 | [Redacted] | [Redacted] | 36403405 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [Redacted] finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. | Reviewer Comment (2026-07-15): Received Appraisal report & the departure residence excluded. Exception cleared. Buyer Comment (2026-07-13): [redacted] Reviewer Comment (2026-06-23): Lender exception approval provided to exclude PITIA on vacant land which is listed for sale. Guidelines allow for the exclusion of primary payments if listed with sufficient equity and reserves. Guides do not address land only. Exclused vacant land. Appraisal is missing for the [redacted] property and is required to support excluding the PITIA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-02): As per the Final 1003, both REOs are currently pending sale. Please provide the appraisal for [redacted] and the final closing statement for [redacted] to exclude the PITIA from the DTI calculation. Exception remains. Buyer Comment (2026-06-01): [redacted]. Please clear. |
07/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550866 | [Redacted] | [Redacted] | 36403406 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [Redacted] finding due to DTI exceeding guideline. | Reviewer Comment (2026-07-15): Received Appraisal report & the departure residence excluded. Exception cleared. Buyer Comment (2026-07-13): [redacted] Reviewer Comment (2026-06-23): Lender exception approval provided to exclude PITIA on vacant land which is listed for sale. Guidelines allow for the exclusion of primary payments if listed with sufficient equity and reserves. Guides do not address land only. Excluded expense for the vacant land. Appraisal is missing for the [redacted] property and is required to support excluding the PITIA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-02): As per the Final 1003, both REOs are currently pending sale. Please provide the appraisal for [redacted] and the final closing statement for [redacted] to exclude the PITIA from the DTI calculation. Exception remains. Buyer Comment (2026-06-01): [redacted]. Please clear. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550866 | [Redacted] | [Redacted] | 36403407 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] (c)( [redacted]) of [redacted] % significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | [Redacted] finding due to DTI exceeding guideline. | Reviewer Comment (2026-07-15): Received Appraisal report & the departure residence excluded. Exception cleared. Buyer Comment (2026-07-13): [redacted] Reviewer Comment (2026-06-23): Lender exception approval provided to exclude PITIA on vacant land which is listed for sale. Guidelines allow for the exclusion of primary payments if listed with sufficient equity and reserves. Guides do not address land only. Exclused vacant land. Appraisal is missing for the [redacted] property and is required to support excluding the PITIA. Reviewer Comment (2026-06-23): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-02): As per the Final 1003, both REOs are currently pending sale. Please provide the appraisal for [redacted] and the final closing statement for [redacted] to exclude the PITIA from the DTI calculation. Exception remains. Buyer Comment (2026-06-01): [redacted]. Please clear. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550866 | [Redacted] | [Redacted] | 36407290 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $ [redacted] exceeds tolerance of $ [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225550866 | [Redacted] | [Redacted] | 36407291 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225550866 | [Redacted] | [Redacted] | 36407363 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing appraisal to verify remaining equity in departure residence supporting exclusion of PITIA from DTI. Missing Closing Disclosure or other documentation verifying P&I for [redacted] loan on departure residence. | Reviewer Comment (2026-07-15): Received Appraisal report. Exception cleared. Buyer Comment (2026-07-13): [redacted] Reviewer Comment (2026-06-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Appraisal, Statement Reviewer Comment (2026-06-23): Lender exception approval provided to exclude PITIA on vacant land which is listed for sale. Guidelines allow for the exclusion of primary payments if listed with sufficient equity and reserves. Guides do not address land only. Excluded expense for the vacant land. Appraisal is missing for the [redacted] property and is required to support excluding the PITIA. Buyer Comment (2026-06-19): [redacted]. Reviewer Comment (2026-06-02): Received bridge loan closing disclosure. Require Appraisal to exclude the PITIA from the DTI calculation as the property is departure residence. Exception remains. Buyer Comment (2026-06-01): [redacted]. Please clear. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550866 | [Redacted] | [Redacted] | 36806655 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided to exclude PITIA on vacant land which is listed for sale. Guidelines allow for the exclusion of primary payments if listed with sufficient equity and reserves. Guides do not address land only. | Borrower's monthly mortgage payment has decreased by at least [redacted]%. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-06-23): Client elects to waive with compensating factors. |
06/23/2026 | Yes | 2 | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225550880 | [Redacted] | [Redacted] | 36404670 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure from simultaneous refinance. | Reviewer Comment (2026-06-09): Received first payment letter. Exception cleared. Buyer Comment (2026-06-05): This was a simultaneous refi so no mortgage statement would be available. FSS was provided, FPL Reviewer Comment (2026-05-26): Required mortgage statement for [redacted]. Exception Remains. Buyer Comment (2026-05-22): FSS |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225550883 | [Redacted] | [Redacted] | 36404592 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-06): Sufficient Cure Provided At Closing |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225550883 | [Redacted] | [Redacted] | 36404593 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Testing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ( [redacted]) days of the loan becoming an ARM. | A Change of Circumstance in the loan file indicates the loan changed to an ARM on [redacted] ; however, the ARM Disclosure was not provided to the borrower until [redacted]. | Reviewer Comment (2026-06-03): Disclosure summary shows disclosure sent on [redacted]. Buyer Comment (2026-06-01): Disclosure tracking showing sent on [redacted] |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550883 | [Redacted] | [Redacted] | 36411950 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Verification that the withdrawal of funds for the transaction from business account will not have a negative impact on the business and its continued operations was not provided. | Reviewer Comment (2026-06-30): Lender removed the business assets for reserves. Condition cleared. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550883 | [Redacted] | [Redacted] | 36411951 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third-party verification that the business is currently active, dated within [redacted]days prior to the note date, was not in file. | Reviewer Comment (2026-07-01): Third party verifications were in the file although dated. Lender used the bank statement from [redacted] to confirm employment continuance. Condition cleared. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550883 | [Redacted] | [Redacted] | 36411954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy due to missing income and asset documents. | Reviewer Comment (2026-07-01): Third party verifications were in the file although dated. Lender used the bank statement from [redacted] to confirm employment continuance. Condition cleared. |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550883 | [Redacted] | [Redacted] | 36411955 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to missing income and asset documents. | Reviewer Comment (2026-07-01): Third party verifications were in the file although dated. Lender used the bank statement from [redacted] to confirm employment continuance. Condition cleared. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550883 | [Redacted] | [Redacted] | 36411956 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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.) | [redacted]due to missing income and asset documents. | Reviewer Comment (2026-07-01): Third party verifications were in the file although dated. Lender used the bank statement from [redacted] to confirm employment continuance. Condition cleared. Reviewer Comment (2026-06-30): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550883 | [Redacted] | [Redacted] | 36411957 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third-party verification that the business is currently active, dated within [Redacted] days prior to the note date, was not in file. | Reviewer Comment (2026-07-01): Third party verifications were in the file although dated. Lender used the bank statement from [redacted] to confirm employment continuance. Condition cleared. Reviewer Comment (2026-06-05): Provided third-party verification does not reflect business current active status. Exception remains. Reviewer Comment (2026-06-05): Received business entity listing. Exception cleared. Buyer Comment (2026-06-03): Business is active |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550883 | [Redacted] | [Redacted] | 36411958 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification that the withdrawal of funds for the transaction from business account will not have a negative impact on the business and its continued operations was not provided. | Reviewer Comment (2026-06-30): Lender removed business funds from reserves. Condition cleared. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225550884 | [Redacted] | [Redacted] | 36405063 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Non QM loan qualifying using non interest-only payment in DTI. | Reviewer Comment (2026-07-02): [redacted] DTI has been updated. Exception cleared. Buyer Comment (2026-06-30): Please review Data Compare. The [redacted] has been updated. Please clear condition. Reviewer Comment (2026-06-23): Received 1008 with updated DTI, but [redacted] is still reflect DTI as [redacted]%. An updated bid tape for the DTI is required. Buyer Comment (2026-06-19): Please see attached. |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225550884 | [Redacted] | [Redacted] | 36405064 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted]due to Non QM loan qualifying using non interest-only payment in DTI. | Reviewer Comment (2026-07-02): [redacted] DTI has been updated. Exception cleared. Buyer Comment (2026-06-30): [redacted] Reviewer Comment (2026-06-23): Received 1008 with updated DTI, but [redacted] is still reflect DTI as [redacted]%. An updated bid tape for the DTI is required. Buyer Comment (2026-06-19): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550884 | [Redacted] | [Redacted] | 36405100 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | File is missing a Verbal Verification of Employment VVOE completed within [redacted] days of closing. | Reviewer Comment (2026-06-01): VVOE received, exception cleared. Buyer Comment (2026-05-28): Please see attached. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225550884 | [Redacted] | [Redacted] | 36411271 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Waterfall due to Non QM loan qualifying using non interest-only payment in DTI. | Reviewer Comment (2026-07-02): [redacted] DTI has been updated. Exception cleared. Buyer Comment (2026-06-30): [redacted] Reviewer Comment (2026-06-23): Received 1008 with updated DTI, but [redacted] is still reflect DTI as [redacted]%. An updated bid tape for the DTI is required. Buyer Comment (2026-06-19): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225553893 | [Redacted] | [Redacted] | 36409688 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 COC for the fee increase was not provided. No cure at close. | Reviewer Comment (2026-05-28): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-27): Please see attached. |
05/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225553917 | [Redacted] | [Redacted] | 36411429 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date and on disbursement date. | Reviewer Comment (2026-06-25): Received letter from the insurance company and updated the effective date as [redacted]. Exception Cleared. Buyer Comment (2026-06-24): agent email - no claims upld |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | Non QM | No | |||||||||||
| 225554798 | [Redacted] | [Redacted] | 36424564 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Loan amount reflected on provided corporate resolution mismatches with subject loan amount. | Reviewer Comment (2026-06-10): Received Corporate Resolution. Exception Cleared. Buyer Comment (2026-06-09): please clear, the amount on the document is greater than the actual loan amount and reflects verbiage "up to" $[redacted] Reviewer Comment (2026-06-02): Required unanimous consent reflecting subject loan amount. Exception Remains. Buyer Comment (2026-05-29): rebuttal upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225558455 | [Redacted] | [Redacted] | 36417993 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Loan amount reflected on provided corporate resolution mismatches with subject loan amount. | Reviewer Comment (2026-05-28): Received Corporate Resolution in the file. Exception Cleared. Buyer Comment (2026-05-26): The amount listed on the Corporate Resolution is higher than the actual loan amount therefore no update is required. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225558455 | [Redacted] | [Redacted] | 36418016 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted] Error: Birth Date was not provided | - | Please override. Details not required for member. | Reviewer Comment (2026-05-28): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared. Buyer Comment (2026-05-26): Please remove/cancel/override as [redacted] is not a borrower on this transaction |
05/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225558455 | [Redacted] | [Redacted] | 36418078 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved. Non-warrantable - The original condo docs planned for [redacted] units, but only [redacted] have been built. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-05-08): Client elects to waive with compensating factors. |
05/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225558455 | [Redacted] | [Redacted] | 36418086 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved. [redacted] months of landlord history instead of [redacted] . Borrower no longer meets landlord waiver due to FICO dropping below [redacted] on credit repull. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-05-08): Client elects to waive with compensating factors. |
05/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225558455 | [Redacted] | [Redacted] | 36429348 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for DSCR required with FICO of [Redacted]is [redacted] . DSCR is at [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-05-08): Client elects to waive with compensating factors. |
05/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225558466 | [Redacted] | [Redacted] | 36417646 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet CCM requirements. Variance is more than[redacted] | [Redacted] | Reviewer Comment (2026-06-16): [redacted] Value revised and Updated DSCR as [redacted] matches field value DSCR [redacted]. Exception Cleared. Buyer Comment (2026-06-13): Please see attached. Reviewer Comment (2026-06-09): [redacted] data was rectified. Require revised 1008 form with correct DSCR. Exception remains. Buyer Comment (2026-06-08): [redacted] has been updated. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225558715 | [Redacted] | [Redacted] | 36414784 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-07): Sufficient Cure Provided At Closing |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225558715 | [Redacted] | [Redacted] | 36432275 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-06-10): Received 1008 with UW discretion for VOR. Exception Cleared. Buyer Comment (2026-06-09): 1008 Reviewer Comment (2026-06-09): Borrower is not a FTHB and provided 1008 does not show UW discretion on VOR/ VOM. Require [redacted] months rental history. Buyer Comment (2026-06-05): VOR is as UW discretion and was not required |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225558892 | [Redacted] | [Redacted] | 36418814 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted]days of the Note Date and does not have automatic renewal. | Hazard Insurance Policy Expiration Date is less than 30 days from the Note Date. | Reviewer Comment (2026-06-18): Received hazard insurance renewal. Exception cleared. Buyer Comment (2026-06-16): Hazard |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225558892 | [Redacted] | [Redacted] | 36418845 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved for Non-warrantable - condotel and no sinkhole coverage. Comp factors include FICO [redacted] points or more above requirement. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-08): Client elects to downgrade and waive. |
05/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225558892 | [Redacted] | [Redacted] | 36650465 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-06-05): Received [redacted] statement for short term rental which shows no discrepancy in DSCR. Exception cleared. Buyer Comment (2026-06-03): [redacted] Buyer Comment (2026-06-03): [redacted] understands that this discrep is within the variance but would still like to address. Per appraiser, unit occupied by short-term renter, which is why [redacted] is opting for [redacted] rent of $[redacted] $[redacted] x [redacted] = [redacted]; $[redacted] / [redacted] = $[redacted]; $[redacted] / $[redacted] = [redacted] Thanks! |
06/05/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 225559634 | [Redacted] | [Redacted] | 36418650 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: [redacted] | [redacted] valuation is missing. | Reviewer Comment (2026-06-09): UCDP document provided and associated. Exception cleared Buyer Comment (2026-06-08): D[redacted] and D[redacted] are the UCDP reports with the score. Be sure to look at page [redacted] of the [redacted] report for the score. Reviewer Comment (2026-06-08): Exception remains. CU score was not provided, if CU score more than [redacted] required secondary valuation, Buyer Comment (2026-06-04): Score are one and low risk Reviewer Comment (2026-06-04): CU score is missing, if CU score more than [redacted] required secondary valuation, Exception Remains Buyer Comment (2026-06-02): Secondary valuations not required. only if the appraisal is transferred are they required per the guidelines. |
06/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225559634 | [Redacted] | [Redacted] | 36418675 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-04): Received E-sign Consent Agreement, Exception Cleared Buyer Comment (2026-06-02): econsent |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 225559634 | [Redacted] | [Redacted] | 36439083 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-06-04): Received RCE and associated, Exception cleared Buyer Comment (2026-06-02): RCE |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225559898 | [Redacted] | [Redacted] | 36432510 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is not eligible due to First-Time Home-buyer and is living-rent free. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-10): Client elects to waive with compensating factors. Reviewer Comment (2026-06-10): Received post closing lender exception approval for fthb living rent free. Buyer Comment (2026-06-09): exception approval Reviewer Comment (2026-06-06): Per due diligence guidelines, A borrower who is currently rent free or living without a housing payment history is eligible per guidelines, provided they are not a first time home buyer. Buyer Comment (2026-06-04): Per the guidelines, FTHB are allowed to be rent free within certain restrictions |
06/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225559898 | [Redacted] | [Redacted] | 36646073 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225559902 | [Redacted] | [Redacted] | 36432457 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI of [redacted]% exceeds [redacted]% guideline due to inclusion of PITIA on departure residence. Remaining equity of [redacted]% is less than the [redacted]% equity requirement for exclusion due to new [redacted] loan. | Reviewer Comment (2026-06-02): Received lender exception. Condition cleared. Buyer Comment (2026-05-29): Please see attached Exception allowing for [redacted]% equity in departing residence. Please exclude the PITI from this property as per Departing Residence Guidelines |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225559902 | [Redacted] | [Redacted] | 36432460 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Calculated DTI of [redacted]% exceeds bid tape value of [redacted]%. Discrepancy is due to inclusion of PITIA on departure residence. Remaining equity of [redacted]% is less than the [redacted]% equity requirement for exclusion due to new [redacted] loan. | Reviewer Comment (2026-06-02): Received lender exception condition cleared. Buyer Comment (2026-05-29): Please see attached Exception allowing for [redacted]% equity in departing residence. Please exclude the PITI from this property as per Departing Residence Guidelines |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225559902 | [Redacted] | [Redacted] | 36432467 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | [redacted] finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-02): Received lender exception condition cleared. Buyer Comment (2026-05-29): Please see attached Exception allowing for [redacted]% equity in departing residence. Please exclude the PITI from this property as per Departing Residence Guidelines |
06/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| 225559902 | [Redacted] | [Redacted] | 36432468 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | [redacted] finding due to DTI exceeding guideline. | Reviewer Comment (2026-06-02): Received lender exception condition cleared. Buyer Comment (2026-05-29): Please see attached Exception allowing for [redacted]% equity in departing residence. Please exclude the PITI from this property as per Departing Residence Guidelines |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225559902 | [Redacted] | [Redacted] | 36432469 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] finding due to DTI exceeding guideline. | Reviewer Comment (2026-06-02): Received lender exception condition cleared. Buyer Comment (2026-05-29): Please see attached Exception allowing for [redacted]% equity in departing residence. Please exclude the PITI from this property as per Departing Residence Guidelines |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225559902 | [Redacted] | [Redacted] | 36640410 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for allowing [redacted]% equity in departure home vs [redacted]%. | Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Long term homeownership |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-06-02): Client elects to waive with compensating factors. |
06/02/2026 | Yes | 2 | B | B | B | B | B | PA | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 225559905 | [Redacted] | [Redacted] | 36435541 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | [redacted] Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-06-09): Walls in covered in the master policy, exception cleared. Buyer Comment (2026-06-05): Walls-in letter |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 225559905 | [Redacted] | [Redacted] | 36435542 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-03): Received Final Title policy with policy amount. Exception Cleared. Buyer Comment (2026-06-01): title with coverage amount |
06/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 225559905 | [Redacted] | [Redacted] | 36435544 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | A copy of the Final Title Policy was not found in file. | Reviewer Comment (2026-06-03): Received Final Title policy with policy amount. Exception Cleared. |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 225559905 | [Redacted] | [Redacted] | 36435547 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent year ([redacted]) tax return or tax filing extension form was not found in file. | Buyer Comment (2026-06-09): Waived Reviewer Comment (2026-06-05): This is an EV2 citing for informational purposes only. Lender may choose to waive. Buyer Comment (2026-06-03): Application date is [redacted] before tax day. [redacted] taxes are not required. Please cancel |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225561892 | [Redacted] | [Redacted] | 36420511 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for[redacted]K Architectural And Engineering Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Engineering Certificate of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-07-01): [redacted] received PCCD and LOE Buyer Comment (2026-06-29): These are optional borrower fees. Please clear condition. Reviewer Comment (2026-06-22): [redacted] received corrected PCCD and LOE moving the fees from section [redacted] to [redacted] but from LOE we are unable to verify who required the Engineering fee and Verification fee. If these services are required by lender then cure would be due to the borrower or if the fees are optional and borrower elected for the same then it is under no tolerance. Please provide attestation confirming the same. Buyer Comment (2026-06-19): Please see attached. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225561892 | [Redacted] | [Redacted] | 36420512 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-07-01): [redacted] received PCCD and LOE Buyer Comment (2026-06-29): These are optional borrower fees. Please clear condition. Reviewer Comment (2026-06-22): [redacted] received corrected PCCD and LOE moving the fees from section [redacted] to [redacted] but from LOE we are unable to verify who required the Engineering fee and Verification fee. If these services are required by lender then cure would be due to the borrower or if the fees are optional and borrower elected for the same then it is under no tolerance. Please provide attestation confirming the same. Buyer Comment (2026-06-19): Please see attached. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225561892 | [Redacted] | [Redacted] | 36435216 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Missing [redacted] month payment history of prior primary rental property. | Reviewer Comment (2026-06-04): VOR is not required as the LTV is [redacted]%, exception cleared Buyer Comment (2026-06-02): VOR is not required if LTV [redacted]% or less. Please clear condition. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225563307 | [Redacted] | [Redacted] | 36444942 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for lack of housing/rental docs. Received lease but no canceled checks for Borrower paid cash. Obtained email from landlord stating borrower paid on time. Comp factors FICO [redacted], LTV [redacted]%, and DTI [redacted]%. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-11): Client elects to downgrade and waive. |
05/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225565416 | [Redacted] | [Redacted] | 36435971 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed on initial Loan Estimate as $[redacted], but disclosed on final Closing Disclosure as $[redacted]. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-06-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-10): pccd docs upld |
06/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225565416 | [Redacted] | [Redacted] | 36435972 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty Fee was not disclosed on initial or final LE.. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-06-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-10): pccd docs upld to trl docs. |
06/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225565468 | [Redacted] | [Redacted] | 36436443 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] | [redacted] Final was not found in file. | Reviewer Comment (2026-06-09): Received signed final 1003. Exception cleared. Buyer Comment (2026-06-08): Please see attached. Reviewer Comment (2026-05-26): Required final 1003 with signed and date as received one is without sign, Exception remains Buyer Comment (2026-05-21): Please see attached. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225565468 | [Redacted] | [Redacted] | 36436471 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal 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 cure provided at closing. | Reviewer Comment (2026-05-28): [redacted] Received supporting comments on the exception along with valid COC in file. Buyer Comment (2026-05-27): Per the [redacted] expanded guidelines [redacted] appraisals are required. Please clear condition. Reviewer Comment (2026-05-26): [redacted] received a COC stating that a second appraisal is required due to the combined loan amount exceeding $[redacted]MM. However, the loan amount was already $[redacted] as disclosed on the initial LE. Therefore, the provided COC is not valid to support the appraisal fee increase. Kindly provide a valid COC to justify the fee increase or proceed with a cure to the borrower. Cure documentation should include the Post-CD, LOX, copy of the refund check, and proof of mailing. Buyer Comment (2026-05-21): Please see attached COC Reason which shows the reason for the increased appraisal fee. This is a valid reason. Please clear condition. |
05/28/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225565501 | [Redacted] | [Redacted] | 36436914 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to additional income of $[redacted] in file; however, documentation to support this income was not provided in the loan file. Hence, the other income was excluded, and DTI has exceeded the limit. | Reviewer Comment (2026-07-07): [redacted] has been updated. Exception cleared Buyer Comment (2026-07-06): [redacted] has been updated, please clear. Reviewer Comment (2026-06-24): As per guideline section Section [redacted]: Interest Only [redacted] Loans - Qualify at the applicable [redacted] rate based on the amortizing term of the loan. If the interest only term is shorter, then the loan would be amortized over the term of the loan that remains once the interest only term concludes: [redacted]: [redacted] years. Considering [redacted] qualifying rate for [redacted] years, the Qualifying P&I should be $[redacted], but 1008 is reflecting $[redacted]. Exception remains. Buyer Comment (2026-06-22): per guidelines. PI for the [redacted] [redacted] should be qualified at the [redacted] Rate. In this case [redacted]. (not the payment after the I/O term ends) This brings ratios to [redacted]% See attached updated 1008/1003. Will request [redacted] Update Reviewer Comment (2026-06-16): Income worksheet received for other income (Asset utilization); however, the discrepancy is in the [redacted] that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-16): Please see attached u/w income worksheet for passive income listed on 1003 as "Other" income. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225565501 | [Redacted] | [Redacted] | 36436927 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | A Letter of Explanation regarding decline in income for [redacted] due to maternity leave was provided, but the document date was not provided in the file. | Reviewer Comment (2026-06-16): Letter of Explanation received for document date and associated. Exception cleared. Buyer Comment (2026-06-15): Since we can't go back and ask the borrower to back date documents we have always been allowed to provide a screen print showing when the document was uploaded to our system. Per the Trailing document provided [redacted] the document was uploaded to our system [redacted]. Not sure what you man by the document is not reflecting a complete date. Reviewer Comment (2026-06-05): Received document for Letter of Explanation is not reflecting complete date. Exception remains. Buyer Comment (2026-06-04): Please see attached screen print showing when the LOE was received by us and uploaded to our system. The document was then signed at close. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565501 | [Redacted] | [Redacted] | 36436958 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI exceeding the limit. | Reviewer Comment (2026-07-07): [redacted] has been updated. Exception cleared Buyer Comment (2026-07-06): [redacted] has been updated, please clear. Reviewer Comment (2026-06-16): Income worksheet received for other income (Asset utilization); however, the discrepancy is in the [redacted]that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-16): Please see attached u/w income worksheet for passive income listed on 1003 as "Other" income. |
07/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225565501 | [Redacted] | [Redacted] | 36436959 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to DTI exceeding the limit. | Reviewer Comment (2026-07-07): [redacted] has been updated. Exception cleared Buyer Comment (2026-07-06): [redacted] has been updated, please clear. Reviewer Comment (2026-06-16): Income worksheet received for other income (Asset utilization); however, the discrepancy is in the [redacted] that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated [redacted] for the DTI. Exception Remains. Buyer Comment (2026-06-16): Please see attached u/w income worksheet for passive income listed on 1003 as "Other" income. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565501 | [Redacted] | [Redacted] | 36436962 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to additional income of $[redacted] in file; however, documentation to support this income was not provided in the loan file. Hence, the other income was excluded, and DTI has exceeded the limit. | Reviewer Comment (2026-06-16): Income worksheet received for other income (Asset utilization). Exception cleared. Buyer Comment (2026-06-16): Please see attached u/w income worksheet for passive income listed on 1003 as "Other" income. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565501 | [Redacted] | [Redacted] | 36436963 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. The file does not contain a valid Changed Circumstance for this fee, and there is no evidence of cure in the file. | Reviewer Comment (2026-06-26): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-25): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted] delivered. |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225565501 | [Redacted] | [Redacted] | 36436964 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. The file does not contain a valid Changed Circumstance for this fee, and there is no evidence of cure in the file. | Reviewer Comment (2026-06-05): [redacted] Received email confimation borrower requested for survey. Buyer Comment (2026-06-04): Please see attached COC showing Survey Fee was added per borrower's request. In addition, I have uploaded confirmation from the title company attesting the Service was requested by the borrower. |
06/05/2026 | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225565501 | [Redacted] | [Redacted] | 36436994 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to additional income of $[redacted] in file; however, documentation to support this income was not provided in the loan file. The other income was excluded, and DTI has exceeded the limit. | Reviewer Comment (2026-06-16): Income worksheet received for other income (Asset utilization). Exception cleared. Buyer Comment (2026-06-16): Please see attached u/w income worksheet for passive income listed on 1003 as "Other" income. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225565501 | [Redacted] | [Redacted] | 36465518 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing documentation for additional income of $[redacted]. | Reviewer Comment (2026-06-16): Income worksheet received for other income (Asset utilization). Exception cleared. Buyer Comment (2026-06-16): Please see attached u/w income worksheet for passive income listed on 1003 as "Other" income. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225565501 | [Redacted] | [Redacted] | 36465531 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing documentation for additional income of $[redacted]. | Reviewer Comment (2026-06-16): Income worksheet received for other income (Asset utilization). Exception cleared. Buyer Comment (2026-06-16): Please see attached u/w income worksheet for passive income listed on 1003 as "Other" income. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565769 | [Redacted] | [Redacted] | 36436008 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | [redacted] tax return extension for [redacted] is provided but not signed or dated by borrower. [redacted] tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. Buyer Comment (2026-07-07): Please see attached Reviewer Comment (2026-06-16): Require signed & dated [redacted] for [redacted]. Also require signed and dated [redacted] and Business entity for [redacted]. Exception remains. Buyer Comment (2026-06-14): Please see signed tax returns. Reviewer Comment (2026-06-11): Require [redacted] S for [redacted] and [redacted] for [redacted] signed and dated by borrower. Also require Business entity for [redacted] is not dated. Exception Remains. Buyer Comment (2026-06-09): Please see attached. Buyer Comment (2026-06-09): Please see signed tax returns. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565769 | [Redacted] | [Redacted] | 36436116 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to incomplete income documentation: [redacted] tax return extension for [redacted] is provided but not signed or dated by borrower. [redacted] tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. Buyer Comment (2026-07-07): [redacted] |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225565769 | [Redacted] | [Redacted] | 36436117 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | ATR failure due to incomplete income documentation: [redacted] tax return extension for[redacted] is provided but not signed or dated by borrower. [redacted] tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565769 | [Redacted] | [Redacted] | 36436118 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - [redacted] | Ability to Repay (Dodd-Frank 2014): Unable to verify [redacted] income using reasonably reliable third-party records. | ATR failure due to incomplete income documentation: [redacted] tax return extension for [redacted] is provided but not signed or dated by borrower. [redacted] tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565769 | [Redacted] | [Redacted] | 36436119 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR failure due to incomplete income documentation:[redacted] tax return extension for [redacted] is provided but not signed or dated by borrower.[redacted]tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565769 | [Redacted] | [Redacted] | 36436120 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to incomplete income documentation:[redacted] tax return extension for [redacted] is provided but not signed or dated by borrower. [redacted] tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565769 | [Redacted] | [Redacted] | 36436122 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey fee of $[redacted] not disclosed to borrower until final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-07-13): [redacted] received LOX. Buyer Comment (2026-07-10): please see attached email from title company confirming survey fee was required for the tittle insurance policy, validating the [redacted] pccd doc D[redacted] moving it to section [redacted]. Reviewer Comment (2026-07-09): [redacted] acknowledged that the below comment. However, [redacted] also required supporting evidence as to why the fee was moved to one section to another section. If the service is optional (borrower chosen and not required by title or lender) and the survey completed on their own, then please provide LOX for the same in order to clear this exception. In order to clear the exception, remediation documentation must be provided within [redacted] days of discovery date of [redacted]. It has been [redacted] days since discovery. Buyer Comment (2026-07-07): Please see attached Buyer Comment (2026-07-07): There is not a way to get an attestion from the seller. This is a borrower elected fee and should be tested as such. Reviewer Comment (2026-06-10): [redacted] is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-09): The survey is a borrower elected fee. Please clear condition. Reviewer Comment (2026-06-04): [redacted] received PCCD and LOE, however we also require attestation confirming whether the lender or title company required the survey. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-02): Please see attached. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225565769 | [Redacted] | [Redacted] | 36441848 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] tax return extension for [redacted] is provided but not signed or dated by borrower. [redacted] tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225565769 | [Redacted] | [Redacted] | 36441853 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | ATR failure due to incomplete income documentation: [redacted] tax return extension for [redacted] is provided but not signed or dated by borrower. [redacted] tax returns are provided but not signed or dated by borrower. | Reviewer Comment (2026-07-09): Received signed documents. Condition cleared. Reviewer Comment (2026-07-09): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225565769 | [Redacted] | [Redacted] | 36922861 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date[redacted]. | EV2 citing for informational purposes only. Lender may waive. | Buyer Comment (2026-07-13): An extension for this is in the file. Waiving condition. |
07/13/2026 | No | 2 | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225565769 | [Redacted] | [Redacted] | 36922862 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 citing for informational purposes only. Lender may waive. | Buyer Comment (2026-07-13): An extension for this is in the file. Waiving condition. |
07/13/2026 | No | 2 | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225566093 | [Redacted] | [Redacted] | 36436025 | 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 ([redacted]) 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. | Evidence of earlier borrower receipt was not found in file. | Reviewer Comment (2026-06-03): [redacted] received earliest consent. Buyer Comment (2026-06-02): Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225566093 | [Redacted] | [Redacted] | 36436027 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[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 with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-06-03): [redacted] received a valid COC. Buyer Comment (2026-06-02): Loan program was changed on [redacted]. During this time the discount point was charged due to the rate. Please see lock form. Please clear condition. |
06/03/2026 | 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 | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225566093 | [Redacted] | [Redacted] | 36436028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-08): [redacted] received appraisal ordered document with additional information lieu of valid changed circumstance. Buyer Comment (2026-07-06): Please see attached. Reviewer Comment (2026-06-29): [redacted] received CD and COC dated [redacted] for increase in fee due to [redacted] surcharge but the reason provided is not sufficiently explain as to why the surcharge was applied and based on what new information the [redacted] has revised the fee to higher than estimated. Also, as per previously provided appraisal conversation there seems to be no information provided for the time when fee was increased. The fee was increased on CD dated [redacted] and conversation snip shows for [redacted]. Please provide more valid information to validate the reason for change. Buyer Comment (2026-06-25): Please see the LE from [redacted]. This is when we were notified of the increase. Please clear condition. Reviewer Comment (2026-06-22): [redacted] received appraisal order, however fee increased on [redacted] and on log there is no comment for [redacted] why the fee was increased. Please provide sufficient information why the appraisal fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-19): Please see attached. Reviewer Comment (2026-06-03): [redacted] received log. However, we are unable to validate from the log the transfer of Appraisal management company due to the status detail popup on the log. Kindly provide complete copy of log in order to clear the exception. Buyer Comment (2026-06-02): Please see appraisal fee increase reason. The Appraisal Management company changed the appraisal fee. This is a valid change. Please clear condition. |
07/08/2026 | 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 | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225566093 | [Redacted] | [Redacted] | 36436029 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-06-10): [redacted] received a valid COC. Buyer Comment (2026-06-09): Please see attached LE showing that the COC was done. Please clear condition. Reviewer Comment (2026-06-03): [redacted] received rebuttal stating COC dated [redacted] were provided. However, we are unable to locate the same in the loan file. Kindly provide a valid COC for Appraisal review fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-02): Loan program was changed. Please review the [redacted] COC which verifies this. At this time, the Appraisal review fee was required due to the program. Please clear condition. |
06/10/2026 | 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 | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225566093 | [Redacted] | [Redacted] | 36436035 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A lender exception was approved at origination for the loan, which requires a non-warrantable condo exception for critical repairs and a mandatory membership fee. The [redacted] addendum and related documentation were provided. Compensating factors include total debt [redacted]% or more under the requirement, residual income $[redacted] or more, a reduction in housing/mortgage payment, and FICO [redacted] points or more above the requirement. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-05-13): Client elects to waive with compensating factors. |
05/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225568143 | [Redacted] | [Redacted] | 36963965 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-07-16): Cleared. Documentation for tax abatement for city tax is located in the file. Buyer Comment (2026-07-14): [redacted] Buyer Comment (2026-07-14): Re-visited this file and [redacted] disagrees with [redacted] DSCR of [redacted]. Per attached, subject property has [redacted] for city taxes. Based on this, only County taxes were used to PITIA ($[redacted]/month). PITIA after abatement is $[redacted] $[redacted] / $[redacted] = [redacted] [redacted] has updated [redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | PA | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225568370 | [Redacted] | [Redacted] | 36436641 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date not provided on Third Party Verification. | Reviewer Comment (2026-06-05): Third party Verification document date received and verified. Exception cleared Buyer Comment (2026-06-03): You didn't clarify what document you are referring to. CPA letter in file acts as Third-Party Verification of employment and it is dated (D[redacted]). Although not needed because we have the CPA letter, The Business Enty listing doesn't show a date, however I have uploaded the screen print of when we did the search and uploaded to our system |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225568370 | [Redacted] | [Redacted] | 36436642 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date not provided on Third Party Verification. | Reviewer Comment (2026-06-05): Third party Verification document date received and verified. Exception cleared Buyer Comment (2026-06-03): You didn't clarify what document you are referring to. CPA letter in file acts as Third-Party Verification of employment and it is dated (D[redacted]). Although not needed because we have the CPA letter, The Business Enty listing doesn't show a date, however I have uploaded the screen print of when we did the search and uploaded to our system |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225568370 | [Redacted] | [Redacted] | 36436723 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Document date not provided on Third Party Verification. | Reviewer Comment (2026-06-05): Third party Verification document date received and verified. Exception cleared Buyer Comment (2026-06-03): You didn't clarify what document you are referring to. CPA letter in file acts as Third-Party Verification of employment and it is dated (D[redacted]). Although not needed because we have the CPA letter, The Business Enty listing doesn't show a date, however I have uploaded the screen print of when we did the search and uploaded to our system |
06/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225568370 | [Redacted] | [Redacted] | 36436724 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to Document date not provided on Third Party Verification. | Reviewer Comment (2026-06-05): Third party Verification document date received and verified. Exception cleared Buyer Comment (2026-06-03): You didn't clarify what document you are referring to. CPA letter in file acts as Third-Party Verification of employment and it is dated (D[redacted]). Although not needed because we have the CPA letter, The Business Enty listing doesn't show a date, however I have uploaded the screen print of when we did the search and uploaded to our system |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225568370 | [Redacted] | [Redacted] | 36436728 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-05): [redacted] received a valid COC. Buyer Comment (2026-06-04): Please see attached correspondence with branch clarifying that the change in points was due to a change in the borrower's fico score after credit had to be updated. COC was issued [redacted] and found in D[redacted], updated CD issued [redacted] and found in D0[redacted]). I have attached the initial lock that shows the fico score of [redacted] (under Borrower information [redacted]nd page) and the lock from [redacted] that shows the fico updated score of [redacted]. Buyer Comment (2026-06-04): Please see attached correspondence with branch clarifying that the change in points was due to a change in the borrower's fico score after credit had to be updated. COC was issued [redacted] and found in D[redacted], updated CD issued [redacted] and found in D[redacted]). I have attached the initial lock that shows the fico score of [redacted] (under Borrower information [redacted]nd page) and the lock from [redacted] that shows the fico updated score of [redacted]. |
06/05/2026 | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225568370 | [Redacted] | [Redacted] | 36436729 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-05): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-03): Please see final CD that shows a lender credit that covers this violation. |
06/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225568370 | [Redacted] | [Redacted] | 36436730 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-05): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-03): Please see final CD that shows a lender credit that covers this violation. |
06/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225568370 | [Redacted] | [Redacted] | 36665318 | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225568370 | [Redacted] | [Redacted] | 36665319 | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225569065 | [Redacted] | [Redacted] | 36451347 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient by $[redacted] | Reviewer Comment (2026-06-09): Replacement Cost Estimator received, exception cleared. Buyer Comment (2026-06-05): Please see VVOE email from employer found in D[redacted] Buyer Comment (2026-06-05): Please see attached RCE showing $[redacted]. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225569065 | [Redacted] | [Redacted] | 36451411 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225569065 | [Redacted] | [Redacted] | 36451435 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Provided verification of employment for Borrower [redacted] , [redacted] . was not dated within required[redacted] business days of Note. | Reviewer Comment (2026-06-24): Received VVOE within [redacted] business days of Note. Exception cleared. Buyer Comment (2026-06-23): Please see attached VVOE for [redacted] [redacted] Reviewer Comment (2026-06-09): The referenced document is for other employment , provide VOE for [redacted] within [redacted] business days of Note. Exception remains Buyer Comment (2026-06-05): Please see VVOE email from employer found in D[redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225569065 | [Redacted] | [Redacted] | 36451478 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to provided verification of employment for Borrower not meeting requirement. | Reviewer Comment (2026-06-24): Received VVOE within [redacted] business days of Note. Reviewer Comment (2026-06-09): The referenced document is for other employment , provide VOE for [redacted] within [redacted] business days of Note. Exception remains Buyer Comment (2026-06-05): Please see VVOE email from employer found in D[redacted] |
06/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OR | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225569065 | [Redacted] | [Redacted] | 36451479 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to provided verification of employment for Borrower not meeting requirement. | Reviewer Comment (2026-06-24): Received VVOE within [redacted] business days of Note. Reviewer Comment (2026-06-09): The referenced document is for other employment , provide VOE for [redacted] within [redacted] business days of Note. Exception remains Buyer Comment (2026-06-05): Please see VVOE email from employer found in D[redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225569067 | [Redacted] | [Redacted] | 36451659 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. | Reviewer Comment (2026-06-15): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-12): Please see attached. Reviewer Comment (2026-05-15): [redacted] received rebuttal comment but as per final CD no cure amount was provided under section [redacted] inner column of the CD. Separate cure docs are required. Buyer Comment (2026-05-14): Please see attached final closing disclosure which shows the credit already given to the borrower. Please clear condition. |
06/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569068 | [Redacted] | [Redacted] | 36451126 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted]a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-06-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-10): PCCD with cure, sent out today |
06/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569068 | [Redacted] | [Redacted] | 36451127 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal 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, cure provided at closing. | Reviewer Comment (2026-06-08): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-04): See D[redacted] page [redacted] for final CD which has the cure at the bottom of page [redacted] |
06/08/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569072 | [Redacted] | [Redacted] | 36451862 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-15): Received Title Final & exception cleared. |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225569072 | [Redacted] | [Redacted] | 36451886 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-15): Received Title Final & exception cleared. Buyer Comment (2026-06-11): Please see attached. |
06/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225569072 | [Redacted] | [Redacted] | 36451921 | 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 [redacted]) 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. | E-sign consent date is [redacted] | Reviewer Comment (2026-06-03): [redacted] Received earliest E-Consent dated [redacted]. Buyer Comment (2026-06-02): Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225569087 | [Redacted] | [Redacted] | 36449869 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | REO property [redacted] is deeded to wife after divorce, and the borrower is still holding[redacted] part of the property. Confirmation and payment history of PITIA paid by the borrower are required. The complete amount of $[redacted] is currently being considered, due to which DTI is exceeding [redacted]%. | Reviewer Comment (2026-06-05): Cleared. Received quitclaim deed for Upper [redacted] property. Reviewer Comment (2026-06-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-06-03): Deeded off |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225569087 | [Redacted] | [Redacted] | 36449896 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification document is missing in the file. | Reviewer Comment (2026-06-05): Cleared. Received documentation for property expense. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225569087 | [Redacted] | [Redacted] | 36449897 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing in the file. | Reviewer Comment (2026-06-05): Cleared. Received signed deed. Buyer Comment (2026-06-03): Deeded off property |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225569087 | [Redacted] | [Redacted] | 36449931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to REO property [redacted] being deeded to wife after divorce, and the borrower still holding [redacted] part of the property. Confirmation and payment history of PITIA paid by the borrower are required. The complete amount of $[redacted] is currently being considered, due to which DTI is exceeding [redacted]%. | Reviewer Comment (2026-06-05): Cleared. Received quit claim deed. |
06/05/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569087 | [Redacted] | [Redacted] | 36449932 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to REO property [redacted] being deeded to wife after divorce, and the borrower still holding [redacted] part of the property. Confirmation and payment history of PITIA paid by the borrower are required. The complete amount of $[redacted] is currently being considered, due to which DTI is exceeding [redacted]%. | Reviewer Comment (2026-06-05): Cleared. Received quit claim deed. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225569087 | [Redacted] | [Redacted] | 36449933 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | [redacted] due to REO property [redacted] being deeded to wife after divorce, and the borrower still holding [redacted] part of the property. Confirmation and payment history of PITIA paid by the borrower are required. The complete amount of $[redacted] is currently being considered, due to which DTI is exceeding [redacted]%. | Reviewer Comment (2026-06-05): Cleared. Received quit claim deed. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225569087 | [Redacted] | [Redacted] | 36449935 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search. The fee amount of $[redacted] exceeds the tolerance of $[redacted] is over the legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-06-09): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-08): PCCD with cure |
06/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569087 | [Redacted] | [Redacted] | 36449936 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Wire / Funding / Disbursement Fee. The fee amount of $[redacted] exceeds the tolerance of $[redacted] is over the legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-06-09): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-08): See PCCD with cure |
06/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569087 | [Redacted] | [Redacted] | 36449977 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | REO property [redacted] is deeded to wife after divorce, and the borrower is still holding [redacted] part of the property. Confirmation and payment history of PITIA paid by the borrower are required. The complete amount of $[redacted] is currently being considered, due to which DTI is exceeding[redacted]%. | Reviewer Comment (2026-06-05): Cleared. REceived quit claim deed. Reviewer Comment (2026-06-05): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225569102 | [Redacted] | [Redacted] | 36452477 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on the Loan Estimate and disclosed as $[redacted]on the Final Closing Disclosure. Valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-06-18): [redacted] received LOX for increase in appraisal fee. Buyer Comment (2026-06-17): Please see attached correspondence showing increase in appraisal was due to the Hight value, large GLA and distance. Reviewer Comment (2026-06-09): [redacted] received rebuttal stating [redacted] discovered the increased price of the appraisal. However, we would require detail reason as to why the Appraisal fee increased on LE dated [redacted] or cure due to borrower. Cure documents consist of Post CD,:LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-08): Please see invoice dated [redacted] D[redacted] showing appraisal was ordered [redacted] which was when [redacted] discovered the increased price of the appraisal. COC (D[redacted]) and updated LE (D[redacted]) issued [redacted] which were provided to borrower within [redacted] days of price notification. I have also uploaded a printout from the appraisers website showing when they notified us of the price on [redacted] |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569102 | [Redacted] | [Redacted] | 36452501 | 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 [redacted]) 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. | Reviewer Comment (2026-06-09): [redacted] received earliest e-consent. Buyer Comment (2026-06-08): Please see attached eConsent |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225569102 | [Redacted] | [Redacted] | 36452502 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] on the Loan Estimate and disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, evidence of cure of #[redacted].. | Reviewer Comment (2026-06-09): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-08): Please see final CD we credited the borrower $[redacted] for the credit report violation. |
06/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225569102 | [Redacted] | [Redacted] | 36756157 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225569522 | [Redacted] | [Redacted] | 36451970 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Bylaws are missing in the file. | Reviewer Comment (2026-06-05): Received Bylaws for the business entity. Exception cleared. Buyer Comment (2026-06-03): Please see attached |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225569522 | [Redacted] | [Redacted] | 36451973 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of good standing is missing in the file. | Reviewer Comment (2026-06-05): Received Certificate of Good Standing for the business entity. Exception cleared. Buyer Comment (2026-06-03): Please see attached. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225569522 | [Redacted] | [Redacted] | 36452575 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Reviewer Comment (2026-06-25): [redacted]-[redacted] - opened on [redacted]. [redacted]-[redacted] - opened on [redacted]. [redacted] months requirement already met with other bank statements. Buyer Comment (2026-06-23): Please review every page of what was uploaded. I have reviewed all of the statements and it shows that all items that have been requested are there. Please clear condition. Reviewer Comment (2026-06-05): Received bank statement are already provided in file. Complete [redacted] months bank statement for the accounts #[redacted]-[redacted], #[redacted]-[redacted] and #[redacted]-[redacted] are required. Exception remains. Buyer Comment (2026-06-03): Please see attached. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225569522 | [Redacted] | [Redacted] | 36452580 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than [redacted] Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than[redacted] consecutive months bank statements. | Reviewer Comment (2026-06-25): [redacted]-[redacted] - opened on [redacted]. [redacted]-[redacted] - opened on [redacted]. [redacted] months requirement already met with other bank statements. Buyer Comment (2026-06-23): [redacted]. Reviewer Comment (2026-06-05): Received bank statement are already provided in file. Complete [redacted] months bank statement for the accounts #[redacted]-[redacted], #[redacted]-[redacted] and #[redacted]-[redacted] are required. Exception remains. Buyer Comment (2026-06-03): [redacted]. Please clear. |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225569522 | [Redacted] | [Redacted] | 36452581 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-06-25): [redacted]-[redacted] - opened on [redacted]. [redacted]-[redacted] - opened on [redacted]. [redacted] months requirement already met with other bank statements. Buyer Comment (2026-06-23): [redacted]. Reviewer Comment (2026-06-05): Received bank statement are already provided in file. Complete [redacted] months bank statement for the accounts #[redacted]-[redacted], #[redacted]-[redacted] and #[redacted]-[redacted] are required. Exception remains. Buyer Comment (2026-06-03): [redacted]. Please clear. |
06/25/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225569522 | [Redacted] | [Redacted] | 36452582 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-06-25): [redacted]-[redacted] - opened on [redacted]. [redacted]-[redacted] - opened on [redacted]. [redacted] months requirement already met with other bank statements. |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225569522 | [Redacted] | [Redacted] | 36452610 | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of [redacted]% of the loan amount or $[redacted]. | Reviewer Comment (2026-06-25): Existing first mortgage plus any junior lien loans against the subject property can be paid off. Buyer Comment (2026-06-23): Our guides state: Section [redacted]: Rate/Term Refinance Transaction A Rate/Term Refinance Transaction is utilized to pay off an existing first mortgage plus any junior lien loans against the subject property by obtaining a new first mortgage loan secured by the same property. All refinances must meet any and all Net Tangible Benefit requirements in accordance with applicable state and federal regulation. Based on this, please clear condition. Reviewer Comment (2026-06-05): Additional lien payoff $[redacted] and debts [redacted] are considered as cash-out. Exception remains. Buyer Comment (2026-06-03): Please review final CD which shows the borrower didnt receive money from the non cash out refi. Please clear condition. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225569522 | [Redacted] | [Redacted] | 36452623 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-25): [redacted]-[redacted] - opened on [redacted]. [redacted]-[redacted] - opened on [redacted]. [redacted] months requirement already met with other bank statements. Buyer Comment (2026-06-23): [redacted]. Reviewer Comment (2026-06-05): Received bank statement are already provided in file. Complete [redacted] months bank statement for the accounts #[redacted]-[redacted], #[redacted]-[redacted] and #[redacted]-[redacted] are required. Exception remains. Buyer Comment (2026-06-03): [redacted]. Please clear. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225569560 | [Redacted] | [Redacted] | 36450139 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[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. The file does not contain a valid Changed Circumstance for this fee, and there is no evidence of cure in the file. | Reviewer Comment (2026-06-05): [redacted] received valid Changed circumstance. Buyer Comment (2026-06-04): RCD with COC and lock forms |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225569560 | [Redacted] | [Redacted] | 36450140 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. The file does not contain a valid Changed Circumstance for this fee, and there is no evidence of cure in the file. | Reviewer Comment (2026-06-11): [redacted] received rebuttal and valid COC document Buyer Comment (2026-06-09): The invoice date [redacted] is when we knew the appraisal price as its a transferred appraisal Reviewer Comment (2026-06-05): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-04): ICD with COC and transferred appraisal docs |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225572137 | [Redacted] | [Redacted] | 36450963 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was missing in the file. | Reviewer Comment (2026-06-08): Received Hazard insurance policy. Exception Cleared. Buyer Comment (2026-06-05): hoi & rce upld |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225572137 | [Redacted] | [Redacted] | 36451390 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] are less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-06-09): Bank statement already in file. Reserve requirement fulfill. Exception Cleared. Buyer Comment (2026-06-08): rebuttal upld Reviewer Comment (2026-06-08): Cap [redacted] #[redacted] reflects an ending balance $[redacted] as of [redacted]. Exception Remains. Buyer Comment (2026-06-05): please see [redacted] cap [redacted] #[redacted] statement on d[redacted], balance is $[redacted] |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225573663 | [Redacted] | [Redacted] | 36633053 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy - LTV | Reviewer Comment (2026-06-10): Received Updated Appraisal with correct appraised value. Exception Cleared. Buyer Comment (2026-06-09): Hello, apologies! It appears that the updated ROV Appraisal did not get uploaded to the correct folder. Please see the attached ROV Request and Updated Appraisal. Thank you! Reviewer Comment (2026-06-03): The referenced document was already available in the file at the time of the initial review. The appraised value is reflected as $[redacted].Exception Remains. Buyer Comment (2026-06-01): Please see ROV confirming appraised value at $[redacted]. Thank you! |
06/10/2026 | No | 1 | A | A | A | A | A | NC | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225575889 | [Redacted] | [Redacted] | 36458766 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non- [redacted] Citizen Status not provided | Verification of Non- [redacted] citizen document is missing in file. | Reviewer Comment (2026-06-09): Received Borrower ITIN document (Verification of Non-US Citizen), information verified. Exception Cleared. Buyer Comment (2026-06-05): itin doc upld |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225575889 | [Redacted] | [Redacted] | 36458903 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. | - | [redacted] : One or more borrowers is not a [redacted] Citizen. Verify that all borrowers have the additional required documents per credit guidelines. | Reviewer Comment (2026-06-09): Received Borrower ITIN document (Verification of Non-US Citizen), information verified. Exception Cleared. Buyer Comment (2026-06-05): itin doc upld to trl docs |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225575889 | [Redacted] | [Redacted] | 36458967 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] 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; however, information updated from received Final Closing Disclosure. | Reviewer Comment (2026-05-12): Sufficient Cure Provided At Closing |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225575900 | [Redacted] | [Redacted] | 36461139 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | File did not contain a valid change of circumstance for the reduced lender credit and the cure provided was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-06-10): [redacted] received rebuttal is sufficient. Buyer Comment (2026-06-08): Please remove, this is a lender credit and there is no tolerance on this. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225575900 | [Redacted] | [Redacted] | 36461143 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for the increase and the cure provided was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-07-13): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-09): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted] Delivered Reviewer Comment (2026-06-24): [redacted] no new document or rebuttal received to address. Please provide additional sufficient information or cure would be required. Buyer Comment (2026-06-23): [redacted] received email confirmation as fee increased based on property value and location also the fee was increased after receipt of invoice. However, as per file the property value on 1003 and LE is $[redacted] and property was located in [redacted] was already known at the time of initial review so there seems to be no new information was received based on which the fee can be increased later. The appraisal fee should have been determined based on available information and disclosed to borrower at the time of initial LE itself. Cure would be required. Reviewer Comment (2026-06-19): [redacted] received email confirmation as fee increased based on property value and location also the fee was increased after receipt of invoice. However, as per file the property value on 1003 and LE is $[redacted] and property was located in [redacted] was already known at the time of initial review so there seems to be no new information was received based on which the fee can be increased later. The appraisal fee should have been determined based on available information and disclosed to borrower at the time of initial LE itself. Cure would be required. Buyer Comment (2026-06-17): Please see attached emails. Appraisal was initially quoted as being $[redacted] however was increased to $[redacted] due to Value and location. Reviewer Comment (2026-06-10): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on what property characteristics caused the appraisal fee was to increase. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-06-08): : Please see attached COC. Appraisal was ordered and invoice issued dated [redacted] (supported by Appraisal Invoice D[redacted]) at that time we were notified that the increased cost would be $[redacted]. COC and CD issued [redacted] which is within [redacted] business days of the increased price. |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225575900 | [Redacted] | [Redacted] | 36461144 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee and the cure provided at closing was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-06-10): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-08): There is already a lender credit to the borrower in the amount of $[redacted] for this violation. |
06/10/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225578653 | [Redacted] | [Redacted] | 36459743 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet CCM requirements. Variance is more than [redacted] | The mixed use unit is vacant. Rents not allowed to be used. Rents used are only on the [redacted] additional residential units. | Reviewer Comment (2026-06-10): Received updated 1008 with corrected DSCR in the file. Exception Cleared. Buyer Comment (2026-06-09): 1008 Reviewer Comment (2026-06-05): No new document provided in trailing documents. Exception remains Buyer Comment (2026-06-03): Please see updated 1008 updating DSCR |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225579010 | [Redacted] | [Redacted] | 36461211 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal re-inspection fee of $[redacted]not disclosed on initial LE. No valid change in circumstance or cure provided. | Reviewer Comment (2026-06-12): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-11): PCCD with cure . Sent out today |
06/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225579156 | [Redacted] | [Redacted] | 36460199 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-17): Appraisal Notice received. Exception cleared. Buyer Comment (2026-06-16): Please see attached. Reviewer Comment (2026-06-09): Proof of Appraisal delivery report is not available in file for Appraisal Report date [redacted]. Exception Remains. Buyer Comment (2026-06-07): [redacted]. Please clear. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225579156 | [Redacted] | [Redacted] | 36460200 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]) business days prior to consummation. | Verification the appraisal was delivered to borrower within [redacted] business days of closing was not provided in file. | Reviewer Comment (2026-06-17): Appraisal Notice received. Exception cleared. Buyer Comment (2026-06-16): [redacted]. Reviewer Comment (2026-06-09): Proof of Appraisal delivery report is not available in file for Appraisal Report date [redacted]. Exception Remains. Buyer Comment (2026-06-07): Please see attached. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225579156 | [Redacted] | [Redacted] | 36460202 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Third Party verification of self-employment dated within [redacted]days of closing was not provided. | Reviewer Comment (2026-06-25): Received updated 1008 and [redacted]. Buyer Comment (2026-06-23): Please review data compare and clear condition Reviewer Comment (2026-06-09): VVOE document has been received and associated. However, the exception persists due to the discrepancy is in the [redacted] that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated [redacted] for the DTI. Exception Remains. Buyer Comment (2026-06-07): Please see attached document. This shows that this document was uploaded [redacted] which was [redacted] days prior to closing. Please clear condition. |
06/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225579156 | [Redacted] | [Redacted] | 36460203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Third Party verification of self-employment dated within[redacted] days of closing was not provided. | Reviewer Comment (2026-06-25): Received updated 1008 and [redacted]. Buyer Comment (2026-06-23): [redacted]. Please clear. Reviewer Comment (2026-06-09): VVOE document has been received and associated. However, the exception persists due to the discrepancy is in the [redacted] that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated [redacted] for the DTI. Exception Remains. Buyer Comment (2026-06-07): [redacted]. Please clear. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225579156 | [Redacted] | [Redacted] | 36460205 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient cure was provided to the borrower. | Reviewer Comment (2026-06-08): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-07): Please see final CD showing that this credit has been given. Please clear condition. |
06/08/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225579156 | [Redacted] | [Redacted] | 36471830 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-06-25): Received updated 1008 and [redacted]. Buyer Comment (2026-06-23): Please review data compare and clear condition. Reviewer Comment (2026-06-09): The discrepancy is in the [redacted] that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated [redacted] for the DTI. Exception Remains. Buyer Comment (2026-06-07): Please see updated 1008 |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225579156 | [Redacted] | [Redacted] | 36674742 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225579166 | [Redacted] | [Redacted] | 36460057 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]) business days of application. | Application date was[redacted] and Loan Estimate was issued [redacted] | Reviewer Comment (2026-06-08): [redacted] received rebuttal stating [redacted] day weekend. Buyer Comment (2026-06-04): Disclosure Tracking, [redacted] day weekend |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225579166 | [Redacted] | [Redacted] | 36503662 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The title commitment reflects possible liens/judgments (Sched B, Part # Section #[redacted]). Evidence that the issue has been paid or cleared from title is not provided. | Reviewer Comment (2026-06-10): Received updated title condition cleared. Reviewer Comment (2026-06-06): Received title update stating item is omitted from title. Buyer Comment (2026-06-04): Title update |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225579679 | [Redacted] | [Redacted] | 36461664 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure as $[redacted]. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-06-16): [redacted] received appraisal order document with additional information for a valid Changed circumstance for the fee was increased. Buyer Comment (2026-06-14): Please see attached from the [redacted] website where they stated that the appraisal fee increase was required. Which is why the fee was increased. Please clear condition. Reviewer Comment (2026-06-09): [redacted] received a rebuttal comment; however, it does not provide sufficient information on what impacts or any new details received by the appraisal company that would justify the fee increase. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-07): Please see CD starting on page [redacted]. At this time the branch was made aware that the appraisal fee had to be increased. This was disclosed in enough time and there is no cure needed. Please clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225579679 | [Redacted] | [Redacted] | 36461711 | Compliance | Compliance | State Compliance | State Defect | West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) | [redacted] Residential Mortgage Lender, Broker and Servicer Act: No evidence in file to support that the borrower was charged the actual amounts for all third party fees. | Reviewer Comment (2026-06-16): Appraisal, credit invoice, and title closing statement available to support the fees on CD. Buyer Comment (2026-06-14): Please see final CD to clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225579680 | [Redacted] | [Redacted] | 36461324 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-06-09): Received replacement coverage covering loan value. Buyer Comment (2026-06-05): RCE |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225579684 | [Redacted] | [Redacted] | 36478424 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Instrument is incorrect. The borrower on the document reflects [redacted] [redacted] [redacted], sole ownership vs [redacted] | Reviewer Comment (2026-06-15): Received Scrivener's affidavit with letter of intent to record [redacted] as a borrower. Exception cleared. Buyer Comment (2026-06-12): [redacted] aff and loi upld Reviewer Comment (2026-06-03): Per Note [redacted] page, business entity is a borrower ([redacted]) along with [redacted] is co-borrower. Per security instrument, borrower name is [redacted] instead of business entity name. Title is also vested in borrowing business entity name. Require corrected security instrument with borrower name as [redacted]. Exception remains. Buyer Comment (2026-06-01): please cancel, this is correct, page i reflects [redacted] and the document [redacted] lines also reflects the llc, the borrower is sole owner. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225579684 | [Redacted] | [Redacted] | 36479742 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing a signed/dated corporate resolution for the borrowing entity. | Reviewer Comment (2026-06-03): Received Unanimous Consent & Resolution to Borrow, with lender name, loan amount, and property address. Exception cleared. Buyer Comment (2026-06-01): unanimous consent and resolution upld |
06/03/2026 | No | 1 | A | A | A | A | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225579708 | [Redacted] | [Redacted] | 36658982 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-06-08): All members are foreign nationals. 1 borrower has a mortgage on credit which is generating a fico score. No minimum fico is required for foreign nationals. Condition cleared. Buyer Comment (2026-06-04): [redacted] is using [redacted] for FICO as both borrowers are foreign national, in line with the guidelines. Can you please have yours updated? Thank you! |
06/08/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225579836 | [Redacted] | [Redacted] | 36463995 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable due to litigation and outstanding issues. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-18): Lender Exception with Compensating Factors provided. |
05/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| 225580820 | [Redacted] | [Redacted] | 36644867 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-07-15): updated income to [redacted] "This I s a purchase of an investment property and the appraisal show the markets rents which we should be allowed to use. It looks like you are suing the [redacted]k in rents, so I'm not sure why the exception is asking for leases. " Reviewer Comment (2026-06-04): Provide lease agreement for unit [redacted], [redacted] & [redacted] to verify current rents. Exception remains Buyer Comment (2026-06-02): [redacted] has the DSCR factor at [redacted]; we have [redacted] - the variance is with the gross rent used. [redacted] used current rents (except for the 1st unit since it is vacant, so market rent was used) per the rent schedule, which aligns with the guidelines as it is lesser than the market rent ($[redacted]). [redacted] UW Worksheet showing calculation is in the shipped package D[redacted] for your reference. I am adding this comment as the rebuttal form I have submitted said 'Image not available'. Buyer Comment (2026-06-02): Please see attached. Thank you. |
07/15/2026 | No | 1 | A | A | A | A | A | OR | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225581878 | [Redacted] | [Redacted] | 36463113 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification document is required. | Reviewer Comment (2026-06-09): HOA dues verified from received document. Exception cleared. Buyer Comment (2026-06-08): HOA dues |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225581878 | [Redacted] | [Redacted] | 36463158 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Second Home | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||
| 225581878 | [Redacted] | [Redacted] | 36463159 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225581878 | [Redacted] | [Redacted] | 36463160 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225581878 | [Redacted] | [Redacted] | 36463161 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225581879 | [Redacted] | [Redacted] | 36462178 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage is short $[redacted]. Provide a policy reflecting sufficient coverage or replacement cost estimator. | Reviewer Comment (2026-06-15): Blanket policy provided with condo policy declaration. Exception cleared. Buyer Comment (2026-06-12): Please escalate if unable to clarify and explain why the Condo policy with attached Blanket provided is not acceptable. The Blanket policy covers the structure where the condo policy covers walls-in. Reviewer Comment (2026-06-11): HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains Buyer Comment (2026-06-10): Disregard erroneous comments below: Accurate comment - This property has a Condo policy with Replacement cost coverage as can be seen on the attached document in D[redacted]. The blanket master policy in D[redacted] covers the building Buyer Comment (2026-06-10): There is no [redacted] Account [redacted]. The [redacted] Account is #[redacted]. [redacted] has the account number of [redacted]. I have included the [redacted] statement for both accounts since I'm not sure which one you are asking for. Buyer Comment (2026-06-10): This property has a Condo policy with Replacement cost coverage as can be seen on the attached document in D[redacted]. The blanket master policy in D[redacted] covers the building |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225581879 | [Redacted] | [Redacted] | 36462183 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [redacted] month bank statement for [redacted] account # [redacted]. | Reviewer Comment (2026-06-11): [redacted] Month bank statement for the account #[redacted] received and verified. Exception Cleared. Buyer Comment (2026-06-10): There is no [redacted] Account [redacted]. The [redacted] Account is #[redacted]. [redacted] has the account number of [redacted]. I have included the [redacted] statement for both accounts since I'm not sure which one you are asking for. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225581879 | [Redacted] | [Redacted] | 36462188 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing [redacted] month bank statement for [redacted] account # [redacted] | Reviewer Comment (2026-06-11): [redacted] Month bank statement for the account #[redacted] received and verified. Exception Cleared. Buyer Comment (2026-06-10): There is no [redacted] Account [redacted]. The [redacted] Account is #[redacted]. [redacted] has the account number of [redacted]. I have included the [redacted] statement for both accounts since I'm not sure which one you are asking for. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225581879 | [Redacted] | [Redacted] | 36462189 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing [redacted] month bank statement for [redacted]account # [redacted] | Reviewer Comment (2026-06-11): [redacted] Month bank statement for the account #[redacted] received and verified. Exception Cleared. Buyer Comment (2026-06-10): There is no [redacted] Account [redacted]. The [redacted] Account is #[redacted]. [redacted] has the account number of [redacted]. I have included the [redacted] statement for both accounts since I'm not sure which one you are asking for. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225581879 | [Redacted] | [Redacted] | 36462193 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to missing bank statement and shortage of required reserves. | Reviewer Comment (2026-06-26): [redacted] months asset statement for [redacted] account #[redacted] provided and reserve requirement is met. Exception Cleared Buyer Comment (2026-06-25): Please see additional account statements and 1003 with corrected assets. Reviewer Comment (2026-06-19): Earnest money is considered as funds used toward closing, not as as amount avaiable after closing for reserves. Buyer Comment (2026-06-17): Please explain why you are not including the $[redacted] EMD as reserves. I provided a screenshot on my last rebuttal where you have it marked to exclude from reserves. If you mark that as being eligible for reserves your system will show there are sufficient funds for reserves. Please correct your system as with the return of part of that EMD the borrower has sufficient reserves. Otherwise explain why it is being disallowed and provide guidelines as to why it's being disallowed. Please escalate if necessary. Reviewer Comment (2026-06-16): Additional funds or verified source of funds in the amount of $[redacted] (EMD) are required. Exception Remains. Buyer Comment (2026-06-16): [redacted] [redacted] Please see attached rebuttal Reviewer Comment (2026-06-15): Calculated cash to close is $[redacted] and reserve required $[redacted]. EMD $[redacted] already included in assets. Exception remains. Buyer Comment (2026-06-12): Borrower got cash back at closing of $[redacted]. You can use the EMD of $[redacted] in closing and reserves as it is fully verified as having cleared prior to asset verification. When you consider the cash back and the EMD being used as reserves, then borrower has sufficient cash to close PLUS Reserves. $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] Reviewer Comment (2026-06-11): Cash to Close per closing Disclosure: $[redacted] Earnest Money Deposit (EMD): $[redacted]+$[redacted] Gift Funds: $[redacted](already used for closing) = Total Required reserves: $[redacted]-$[redacted]=$[redacted]. Exception remains. Buyer Comment (2026-06-10): Bank Statements uploaded. Reserves ok with Cash Back at close - : Borrower received $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] total for reserves which meets the requirement (Basically after the Gift Funds borrower got most of their EMD returned) |
06/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225581879 | [Redacted] | [Redacted] | 36462194 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] finding due to missing bank statement and shortage of required reserves. | Reviewer Comment (2026-06-26): [redacted] months asset statement for [redacted] account #[redacted] provided and reserve requirement is met. Exception Cleared Buyer Comment (2026-06-25): Please see additional account statements and 1003 with corrected assets. Reviewer Comment (2026-06-16): Additional funds or verified source of funds in the amount of $[redacted] (EMD) are required. Exception Remains. Buyer Comment (2026-06-16): Please see attached rebuttal Reviewer Comment (2026-06-15): Calculated cash to close is $[redacted] and reserve required $[redacted]. EMD $[redacted] already included in assets. Exception remains. Buyer Comment (2026-06-12): Borrower got cash back at closing of $[redacted]. You can use the EMD of $[redacted] in closing and reserves as it is fully verified as having cleared prior to asset verification. When you consider the cash back and the EMD being used as reserves, then borrower has sufficient cash to close PLUS Reserves. $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] Reviewer Comment (2026-06-11): Cash to Close per closing Disclosure: $[redacted] Earnest Money Deposit (EMD): $[redacted]+$[redacted] Gift Funds: $[redacted](already used for closing) = Total Required reserves: $[redacted]-$[redacted]=$[redacted]. Exception remains. Buyer Comment (2026-06-10): Bank Statements uploaded. Reserves ok with Cash Back at close - : Borrower received $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] total for reserves which meets the requirement (Basically after the Gift Funds borrower got most of their EMD returned) |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225581879 | [Redacted] | [Redacted] | 36462195 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] finding due to missing bank statement and shortage of required reserves. | Reviewer Comment (2026-06-26): [redacted] months asset statement for [redacted] account #[redacted] provided and reserve requirement is met. Exception Cleared Buyer Comment (2026-06-25): Please see additional account statements and 1003 with corrected assets. Reviewer Comment (2026-06-19): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) Reviewer Comment (2026-06-16): Additional funds or verified source of funds in the amount of $[redacted] (EMD) are required. Exception Remains. Buyer Comment (2026-06-16): Please see attached rebuttal Reviewer Comment (2026-06-15): Calculated cash to close is $[redacted] and reserve required $[redacted]. EMD $[redacted] already included in assets. Exception remains. Buyer Comment (2026-06-12): Borrower got cash back at closing of $[redacted]. You can use the EMD of $[redacted] in closing and reserves as it is fully verified as having cleared prior to asset verification. When you consider the cash back and the EMD being used as reserves, then borrower has sufficient cash to close PLUS Reserves. $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] Reviewer Comment (2026-06-11): Cash to Close per closing Disclosure: $[redacted] Earnest Money Deposit (EMD): $[redacted]+$[redacted] Gift Funds: $[redacted](already used for closing) = Total Required reserves: $[redacted]-$[redacted]=$[redacted]. Exception remains. Buyer Comment (2026-06-10): Bank Statements uploaded. Reserves ok with Cash Back at close - : Borrower received $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] total for reserves which meets the requirement (Basically after the Gift Funds borrower got most of their EMD returned) |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225581879 | [Redacted] | [Redacted] | 36480795 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Borrower is short the required reserves due to no credit given for the $[redacted] additional earnest money deposit as it was paid after the date of the latest statement in file. | Reviewer Comment (2026-06-26): [redacted] months asset statement for [redacted] account #[redacted] provided and reserve requirement is met. Exception Cleared Buyer Comment (2026-06-25): Please see additional bank statement for [redacted] Act #[redacted] showing additional funds in the amount of $[redacted], sufficient to meet the reserve requirements. I have also provided an updated 1003 reflecting updated assets including the additional account. Reviewer Comment (2026-06-16): Additional funds or verified source of funds in the amount of $[redacted] (EMD) are required. Exception Remains. Buyer Comment (2026-06-16): Please see attached rebuttal Reviewer Comment (2026-06-15): Calculated cash to close is $[redacted] and reserve required $[redacted]. EMD $[redacted] already included in assets. Exception remains. Buyer Comment (2026-06-12): Borrower got cash back at closing of $[redacted]. You can use the EMD of $[redacted] in closing and reserves as it is fully verified as having cleared prior to asset verification. When you consider the cash back and the EMD being used as reserves, then borrower has sufficient cash to close PLUS Reserves. $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] Reviewer Comment (2026-06-11): Cash to Close per closing Disclosure: $[redacted] Earnest Money Deposit (EMD): $[redacted]+$[redacted] Gift Funds: $[redacted](already used for closing) = Total Required reserves: $[redacted]-$[redacted]=$[redacted]. Exception remains. Buyer Comment (2026-06-10): : Borrower received $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] total for reserves which meets the requirement (Basically after the Gift Funds borrower got most of their EMD returned) |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225581879 | [Redacted] | [Redacted] | 36525999 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Borrower is short the required reserves due to no credit given for the $[redacted] additional earnest money deposit as it was paid after the date of the latest statement in file. | Reviewer Comment (2026-06-26): [redacted] months asset statement for [redacted] account #[redacted] provided and reserve requirement is met. Exception Cleared Buyer Comment (2026-06-25): Please see additional account statements and 1003 with corrected assets. Reviewer Comment (2026-06-16): Additional funds or verified source of funds in the amount of $[redacted] (EMD) are required. Exception Remains. Buyer Comment (2026-06-16): Please see attached rebuttal Reviewer Comment (2026-06-15): Calculated cash to close is $[redacted] and reserve required $[redacted]. EMD $[redacted] already included in assets. Exception remains. Buyer Comment (2026-06-12): Borrower got cash back at closing of $[redacted]. You can use the EMD of $[redacted] in closing and reserves as it is fully verified as having cleared prior to asset verification. When you consider the cash back and the EMD being used as reserves, then borrower has sufficient cash to close PLUS Reserves. $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] Reviewer Comment (2026-06-11): Cash to Close per closing Disclosure: $[redacted] Earnest Money Deposit (EMD): $[redacted]+$[redacted] Gift Funds: $[redacted](already used for closing) = Total Required reserves: $[redacted]-$[redacted]=$[redacted]. Exception remains. Buyer Comment (2026-06-10): : Borrower received $[redacted] Back at close - $[redacted] disallowed EMD = $[redacted]. Add that to the existing reserves $[redacted] = [redacted] total for reserves which meets the requirement (Basically after the Gift Funds borrower got most of their EMD returned) |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225582710 | [Redacted] | [Redacted] | 36470207 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Desk review dated [redacted]and the appraisal is dated [redacted]. | Reviewer Comment (2026-06-08): Secondary valuation is old and not required as UCDP score is [redacted]. Exception cleared. Buyer Comment (2026-06-04): The CDA was old and not required. Shipped in error. UCDP score is [redacted] so no desk review is required |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225582710 | [Redacted] | [Redacted] | 36470300 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | File contains a Loan Estimate dated[redacted] which was after the date of the initial Closing Disclosure dated[redacted] | Reviewer Comment (2026-06-08): [redacted] received rebuttal and disclosure summary. Buyer Comment (2026-06-04): Disclosure Tracking. There is no [redacted] issued CD on [redacted] |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | No Defined Cure | C | B | C | B | C | B | C | A | Non QM | Non QM | No | |||||||||
| 225582710 | [Redacted] | [Redacted] | 36477991 | Credit | Guideline | Guideline Issue | Guideline | Subject is a Condo. Missing completed [redacted] Homeowners' Association Certification. | Approved Lender Exception due to new condo conversion of a fairly new apartment building presently at [redacted]% presale (vs. [redacted] % presale guideline). Compensating Factor: FICO [redacted]points or more above requirement; Total Debt [redacted]# or more under requirement; residual income[redacted]k or more; Project has sold well considering it hasn't been on market for long. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-18): Exception approved with comp factors. |
05/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||
| 225582710 | [Redacted] | [Redacted] | 36523946 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] ro Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance in file for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-07-14): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-13): PCCD with cure. Sent out today |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225582710 | [Redacted] | [Redacted] | 36523963 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Subject address on appraisal is [redacted]and on the Desk Review it is [redacted] | Reviewer Comment (2026-06-08): Secondary valuation is old and not required as UCDP score is [redacted]. Exception cleared. Buyer Comment (2026-06-04): The CDA was old and not required. Shipped in error. UCDP score is [redacted] so no desk review is required |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | B | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225583480 | [Redacted] | [Redacted] | 36475433 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification was missing from the file. | Reviewer Comment (2026-06-25): Received borrower's confirmation of no HOA dues. Buyer Comment (2026-06-23): No HOA dues |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225583480 | [Redacted] | [Redacted] | 36475435 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A mortgage statement was missing to verify PITIA. If taxes and insurance are not escrowed, verification of taxes and insurance, and HOA is required. | Reviewer Comment (2026-06-09): Received Closing Disclosures and HOA Verifications have been verified and associated, exception cleared. Buyer Comment (2026-06-05): Property docs |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225583480 | [Redacted] | [Redacted] | 36475462 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided | Rent comparison schedule was missing from the file. | Reviewer Comment (2026-06-09): 1007 Rent Comparison Schedule not required as using full PITIA in qualification. Buyer Comment (2026-06-05): Not required as using full PITIA in qualification |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225584897 | [Redacted] | [Redacted] | 36469969 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from $[redacted] an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-06-23): [redacted] received COC, LOX and rebuttal comment. CD issue dated changed as per timestamp. Buyer Comment (2026-06-22): please see document generated date at the bottom of the pages on the cd on d[redacted]. It was generated on [redacted], the issue date was never changed but coincides with the [redacted] lock on d[redacted] and the coc on d[redacted] which has a generated date of [redacted] at the bottom of the page as well. Reviewer Comment (2026-06-16): [redacted] received LOX for rebuttal response with additional information for the points increased on [redacted] from $[redacted] to $[redacted] and [redacted] lock is present in the loan file. However, please see doc ID D[redacted] CD dated [redacted] the point increase of $[redacted] and rate lock ([redacted]) received after the fee was increased, for which we do not have a valid COC to re-baseline this exception. Provide valid COC with additional information for pricing changed to increase the point fee on [redacted] or Cure would be due to borrower. Buyer Comment (2026-06-12): rebuttal upld Reviewer Comment (2026-06-12): [redacted] received rate lock document however it does not provide date when the pricing changed. Please provide the supporting document to verify the date of change as loan discount points increased on [redacted] CD. Buyer Comment (2026-06-11): updated lock showing that the program and pricing changed upld |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225584897 | [Redacted] | [Redacted] | 36805461 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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. | [redacted] 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. | Reviewer Comment (2026-06-23): [redacted] received LOE. The [redacted] State Mortgage Tax, was not part of the original lender credit and is separate fee that was being paid by lender and not a lender credit portion. |
06/23/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225585195 | [Redacted] | [Redacted] | 36469542 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-08): [redacted] received LOX stating it was required by title. Buyer Comment (2026-06-05): title email confirming they required survey for final policy upld |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225585195 | [Redacted] | [Redacted] | 36469543 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Cure provided at closing. This exception will be cleared when all other tolerance issues have been resolved. | Reviewer Comment (2026-06-08): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-05): please cancel, this was cured at closing on the final cd. |
06/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225585195 | [Redacted] | [Redacted] | 36674785 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225585225 | [Redacted] | [Redacted] | 36473260 | 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]). | 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 (2026-06-29): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-06-26): New RTC with proof of receipt Reviewer Comment (2026-06-15): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Buyer Comment (2026-06-12): PCCD with cure , sent out today |
06/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225585225 | [Redacted] | [Redacted] | 36473262 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance in file for the added fee and no evidence of a tolerance cure. | Reviewer Comment (2026-06-19): [redacted] receievd Post CD and LOX. Buyer Comment (2026-06-18): See rebuttal for [redacted] endorsements and escrow response Reviewer Comment (2026-06-15): [redacted] received Post CD and LOX. However, we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-12): See rebut with new PCCD |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225585265 | [Redacted] | [Redacted] | 36471783 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Unable to determine difference as review DTI of [redacted] matches the DTI on Lender [redacted]. | Reviewer Comment (2026-06-15): Received revised 1008 & DTI updated. Exception cleared. Buyer Comment (2026-06-11): Please see attached 1008 Reviewer Comment (2026-06-10): As per provided response and available tax cert information re-validated, DTI matches with [redacted] [redacted]% however we would require revised 1008 matches with [redacted] HTI & DTI to clear the exception. Exception Remains. Buyer Comment (2026-06-08): Taxes should be[redacted] / [redacted] = $[redacted] Per tax cert in D[redacted] & [redacted] and supported by the Title commitment [redacted] item [redacted]. The figure investor used was a generic figure not specific to this property as are found in D[redacted] and [redacted]. This will bring the ratios to [redacted]% as submitted. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225585265 | [Redacted] | [Redacted] | 36471849 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-15): Received revised 1008 & DTI updated. Exception cleared. Buyer Comment (2026-06-11): Please see attached 1008 Reviewer Comment (2026-06-10): As per provided response and available tax cert information re-validated, DTI matches with [redacted] [redacted]% however we would require revised 1008 matches with [redacted] HTI & DTI to clear the exception. Exception Remains. Buyer Comment (2026-06-08): Appears to be [redacted] condition due to DTI if not, please clarify. Taxes should be[redacted] / [redacted] = $[redacted] Per tax cert in D[redacted] & D[redacted] and supported by the Title commitment [redacted] item [redacted]. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225585265 | [Redacted] | [Redacted] | 36529943 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to the DTI variance. | Reviewer Comment (2026-06-15): Received revised 1008 & DTI updated. Exception cleared. Buyer Comment (2026-06-11): Please see attached 1008 Reviewer Comment (2026-06-10): As per provided response and available tax cert information re-validated, DTI matches with [redacted] [redacted]% however we would require revised 1008 matches with [redacted] HTI & DTI to clear the exception. Exception Remains. Buyer Comment (2026-06-08): Taxes should be[redacted] / [redacted] = $[redacted] Per tax cert in D[redacted] & D[redacted] and supported by the Title commitment [redacted] item [redacted]. The figure investor used was a generic figure not specific to this property as are found in D[redacted] and D[redacted]. This will bring the ratios to [redacted]% as submitted. |
06/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225585626 | [Redacted] | [Redacted] | 36473311 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet CCM requirements. Variance is more than [redacted]. | Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Lease agreement was not found in file. | Reviewer Comment (2026-06-16): DSCR on [redacted] is corrected. Exception cleared. Buyer Comment (2026-06-15): Typically, the 1008 is not required to be updated on DSCR since they are inaccurate but I've uploaded for your review. The DSCR is accurate, the 1008 never will be. Reviewer Comment (2026-06-10): Received DSCR worksheet with correct rent amount. Require revised 1008 form with corrected DSCR. Exception remains. Buyer Comment (2026-06-09): DSCR on [redacted] has been updated. Please clear (Our DSCR is [redacted] which rounded to [redacted] - still within .[redacted] of investor) See attached DSCR Worksheet |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225586163 | [Redacted] | [Redacted] | 36469838 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | CU Score is [redacted] | Reviewer Comment (2026-06-11): Secondary valuation received. Details verified and updated. Exception cleared. Buyer Comment (2026-06-10): Please see attached. |
06/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225586163 | [Redacted] | [Redacted] | 36470212 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]) business days of application. | The only Loan Estimate in file is dated [redacted] which was not within [redacted] business days of the application date. | Reviewer Comment (2026-06-15): [redacted] Received copy of INitial LE dated [redacted]. Buyer Comment (2026-06-14): Please see [redacted] LE Reviewer Comment (2026-06-08): [redacted] Received disclosure summary for LE dated [redacted]; however, Copy of LE dated [redacted] missing from file. Provide copy of LE dated [redacted]. Buyer Comment (2026-06-07): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225586163 | [Redacted] | [Redacted] | 36470213 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate [redacted] Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least[redacted]) business days prior to closing. | The only Loan Estimate in file is dated [redacted] which was less than[redacted] business days prior to closing. | Reviewer Comment (2026-06-16): [redacted] received initial LE. Buyer Comment (2026-06-14): [redacted]. [redacted] LE has been uploaded. Reviewer Comment (2026-06-09): [redacted] received electronic delivery. Consummation date [redacted]. Initial LE (Only LE) date [redacted] and electronically received on [redacted], was not received [redacted] business days prior to the consummation date. If an earlier LE was issued, please provide. Buyer Comment (2026-06-07): Please see attached. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225586163 | [Redacted] | [Redacted] | 36470260 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The verification of employment was not obtained within [redacted]business days of the Note date. | Reviewer Comment (2026-07-07): Verification of employment received & exception cleared. Buyer Comment (2026-07-06): Please see attached Reviewer Comment (2026-07-06): Require verification of employment for [redacted] also within [redacted] business days of the note date as we have considered base income for this employment. Currently we have received verification of employment for [redacted]. Exception remains. Buyer Comment (2026-07-02): Please see attached. A Verbal VVOE was done prior to closing. All that is required by our UW is proof of the google search of the number that was called, which you all. Please clear condition. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225586163 | [Redacted] | [Redacted] | 36470261 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The verification of employment was not obtained within[redacted] business days of the Note date. | Reviewer Comment (2026-07-07): Verification of employment received & exception cleared. Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-07-06): Require verification of employment for [redacted] also within [redacted] business days of the note date as we have considered base income for this employment. Currently we have received verification of employment for [redacted]. Exception remains. Buyer Comment (2026-07-02): [redacted]. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225586163 | [Redacted] | [Redacted] | 36479265 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] | Reviewer Comment (2026-06-09): Lender's Initial 1003 received and verified. Exception cleared. Buyer Comment (2026-06-07): Please see attached. |
06/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225586163 | [Redacted] | [Redacted] | 36529475 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to the missing VVOE. | Reviewer Comment (2026-07-08): Received VVOE Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-07-06): Require verification of employment for [redacted] also within [redacted] business days of the note date as we have considered base income for this employment. Currently we have received verification of employment for [redacted]. Exception remains. Buyer Comment (2026-07-02): [redacted] |
07/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225586163 | [Redacted] | [Redacted] | 36529476 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] finding due to the missing VVOE. | Reviewer Comment (2026-07-08): Received VVOE Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-07-06): Require verification of employment for [redacted] also within [redacted] business days of the note date as we have considered base income for this employment. Currently we have received verification of employment for [redacted]. Exception remains. Buyer Comment (2026-07-02): [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225586163 | [Redacted] | [Redacted] | 36529477 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] finding due to the missing VVOE. | Reviewer Comment (2026-07-08): Cleared. Received post-closing VVOE. Per guidelines, VVOE and WVOE should be no more than [redacted] business days prior to Note date OR any time after the Note date confirming borrower is currently employed and/or current income level. Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-07-06): Require verification of employment for [redacted] also within [redacted] business days of the note date as we have considered base income for this employment. Currently we have received verification of employment for [redacted]. Exception remains. Buyer Comment (2026-07-02): [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225586163 | [Redacted] | [Redacted] | 36529508 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE within [redacted] business days of closing is missing. | Reviewer Comment (2026-07-08): Cleared. Received post-closing VVOE. Per guidelines, VVOE and WVOE should be no more than [redacted] business days prior to Note date OR any time after the Note date confirming borrower is currently employed and/or current income level. Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-07-06): Require verification of employment for [redacted] also within [redacted] business days of the note date as we have considered base income for this employment. Currently we have received verification of employment for [redacted]. Exception remains. Buyer Comment (2026-07-02): [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225586237 | [Redacted] | [Redacted] | 36474185 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution was not found in file. | Reviewer Comment (2026-06-10): Received Corporate Resolution. Exception Cleared. Buyer Comment (2026-06-08): LLC docs |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225586253 | [Redacted] | [Redacted] | 36474688 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable condo due to ongoing construction. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-05-18): Lender Exception with Compensating Factors provided. Downgraded and Waived. |
05/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225586255 | [Redacted] | [Redacted] | 36474103 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-15): Received documentation. Condition cleared. Buyer Comment (2026-06-11): Rebuttal and screenshot Reviewer Comment (2026-06-10): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification, Insurance Verification, Tax Verification Reviewer Comment (2026-06-09): Received HOA verification document however date is not mention on it. Require document to update same. Exception Remains. Buyer Comment (2026-06-08): HOA dues. T&I are impounded , see mortgage statement already provided |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225586255 | [Redacted] | [Redacted] | 36474173 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | This is a [redacted] Expanded exception request for a new construction condotel in [redacted] . The project was previously approved by the Non-QM Team on [redacted] [redacted] for Loan Number [redacted]. Outstanding documents include the recorded legal documents and the borrower's appraisal. |
Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-10): Client elects to waive with compensating factors. Reviewer Comment (2026-06-10): Received updated lender exception approval for non-warrantable condo. Buyer Comment (2026-06-08): Exception Reviewer Comment (2026-05-18): Lender approved exception provided with LTV and CLTV [redacted]% calculated LTV and CLTV are [redacted]% |
06/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225586258 | [Redacted] | [Redacted] | 36480010 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted] months required statements not provided for accounts ending in #[redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-22): Client elects to waive with compensating factors. Reviewer Comment (2026-05-22): Lender exception approval provided for [redacted] month of assets statements vs [redacted] months. Buyer Comment (2026-05-20): Exception |
05/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 225586290 | [Redacted] | [Redacted] | 36494237 | 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 [redacted] lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted] | Missing Seller Closing Disclosure | Reviewer Comment (2026-05-21): [redacted] received seller Cd Buyer Comment (2026-05-20): Sellers CD |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225586290 | [Redacted] | [Redacted] | 36494243 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance address (city[redacted] vs Note address (city): [redacted] | Reviewer Comment (2026-06-11): Received revised hazard insurance policy with updated city name which is matching with note. Exception cleared. Buyer Comment (2026-06-09): Revised HOI Reviewer Comment (2026-05-26): Provided insurance document still shows the city as "[redacted]." However, as per the note, the correct city should be "[redacted]." The city name has not been updated. Exception Remains. Buyer Comment (2026-05-21): HOI |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225586293 | [Redacted] | [Redacted] | 36494444 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Loan Origination Fee added on [redacted] LE without a valid Change of Circumstance. No cure provided for overage. | Reviewer Comment (2026-05-22): [redacted] received valid COC document Buyer Comment (2026-05-20): DOc |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225586293 | [Redacted] | [Redacted] | 36494445 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | $[redacted] Processing Fee added on [redacted] LE without a valid Change of Circumstance. No cure provided for overage. | Reviewer Comment (2026-06-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-05-29): PCCD Reviewer Comment (2026-05-22): [redacted] received LOE, however rate lock is not valid reason for addition of processing fee. Please provide additional information why fee added or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-05-20): Doc |
06/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225586294 | [Redacted] | [Redacted] | 36473980 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception request for Appraiser expected to provide like-in-kind comps. [redacted] unit comps were not available in [redacted] . | Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-15): Lender Exception with Compensating Factors provided. |
05/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AK | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225586438 | [Redacted] | [Redacted] | 36474280 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Reviewer Comment (2026-06-11): CD received for [redacted] Buyer Comment (2026-06-10): Please see attached. Reviewer Comment (2026-06-05): Require [redacted] HUD/CD on the property [redacted]. Exception remains. Buyer Comment (2026-06-03): Please see attached. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225586438 | [Redacted] | [Redacted] | 36531765 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A letter of explanation stating an intent to list the property | Reviewer Comment (2026-07-08): Received purchase contract/listing agreement for Property Address: [redacted], information verified. Exception Cleared. Buyer Comment (2026-07-06): Please see attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225587909 | [Redacted] | [Redacted] | 36474730 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-06-10): Received Title-Supplement with policy covering Loan amount. Buyer Comment (2026-06-08): This is a title supplement; it supplements the commitment we already have (see D[redacted]) Reviewer Comment (2026-06-03): Please provide entire report showing sufficient coverage amount Buyer Comment (2026-06-03): Please see attached Title Report reflecting policy amount of $[redacted]. |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225594706 | [Redacted] | [Redacted] | 36476306 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | {redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Compliant Higher Priced Loan. | Buyer Comment (2026-06-11): OK to waive per CNR |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225594706 | [Redacted] | [Redacted] | 36476307 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee $[redacted]was changed. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-05-19): Cured at closing or within [redacted] days of consummation prior to [redacted] |
05/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225594706 | [Redacted] | [Redacted] | 36476308 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee $[redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-06-26): [redacted] received Post CD and LOX. Buyer Comment (2026-06-25): Escrow confirmation of Survey Fee requirement. This email from title is confirmation that the survey is not a lender requirement but a title policy requirement, thus not subject to tolerance calculations Reviewer Comment (2026-06-15): [redacted] received Post CD and LOX. However,we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-12): PCCD with letter |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225594706 | [Redacted] | [Redacted] | 36831037 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | OK | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225595127 | [Redacted] | [Redacted] | 36476227 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Renewal and Extension rider is missing in the file. | Reviewer Comment (2026-07-29): Document received showing the Renewal and Extension rider was listed on the Security Agreement but not applicable and should be removed, cleared Buyer Comment (2026-07-28): Please see attached. Reviewer Comment (2026-06-08): Need the Renewal and Extension rider Buyer Comment (2026-06-08): Please see attached |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225595537 | [Redacted] | [Redacted] | 36496916 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | File is missing exception documentation for the approved[redacted]exceptions for tradelines, FTHB investment, YTD income drop in [redacted]from [redacted] | Reviewer Comment (2026-06-11): Lender Exception document received and associated. Exception Cleared. Buyer Comment (2026-06-10): Exception |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225595539 | [Redacted] | [Redacted] | 36495314 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-06-16): Cashflow analysis received, exception cleared Buyer Comment (2026-06-15): cash flow |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225595539 | [Redacted] | [Redacted] | 36495348 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-06-16): Cashflow analysis received, exception cleared Buyer Comment (2026-06-15): see uploaded |
06/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225595539 | [Redacted] | [Redacted] | 36495349 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-06-16): Cashflow analysis received, exception cleared Buyer Comment (2026-06-15): see uploaded |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225595539 | [Redacted] | [Redacted] | 36495354 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | [redacted] due to verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-06-16): Cashflow analysis received, exception cleared Buyer Comment (2026-06-15): see uploaded |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225595539 | [Redacted] | [Redacted] | 36495356 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM Disclosure dated[redacted] was not provided to the borrower within [redacted] days of application [redacted] | Reviewer Comment (2026-06-16): [redacted] disclosure sent within [redacted] days, exception cleared. Buyer Comment (2026-06-15): See attached audit trail which shows the [redacted] docs were sent within [redacted] business days of app Reviewer Comment (2026-06-10): The initial application date is [redacted]. Buyer Comment (2026-06-08): please cancel, the application date is [redacted] which is when the [redacted] disclosure was provided, see 1003 on d[redacted]/d[redacted], [redacted] disclosure d[redacted] |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225595539 | [Redacted] | [Redacted] | 36495377 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-06-16): Cashflow analysis received, exception cleared Buyer Comment (2026-06-15): see uploaded |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225595539 | [Redacted] | [Redacted] | 36495378 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis is required. | Reviewer Comment (2026-06-16): Cashflow analysis received, exception cleared Buyer Comment (2026-06-15): see uploaded |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225595543 | [Redacted] | [Redacted] | 36495436 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-10): E-Sign Consent Agreement associated. Exception cleared. Buyer Comment (2026-06-09): eConsent |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225595543 | [Redacted] | [Redacted] | 36502357 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Missing [redacted] mo. payment history or verification of mortgage for lien paid off through closing, which is not disclosed on the credit report. Payment history provided for [redacted] and bank statements provided for [redacted]- [redacted] Missing history for [redacted]-[redacted]. | Reviewer Comment (2026-06-11): Received mortgage pay history for [redacted] months. Exception cleared. Buyer Comment (2026-06-10): Pay history |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225595569 | [Redacted] | [Redacted] | 36529757 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-06-18): Received cash flow analysis. Cleared. Buyer Comment (2026-06-17): Cash flow Reviewer Comment (2026-06-04): No new document received. All the referenced document was considered for the review which does not prove using of business funds will not affect business operation. Require a CPA letter indicating the use of business funds will not affect business operations or a recent [redacted]-month cash flow analysis for each business account used. Exception remains. Buyer Comment (2026-06-02): in lieu of cpa letter, [redacted] months of business bank statements, operating agreement and cert of good standing were provided for precision home builders, please see d[redacted], d[redacted], d[redacted] & d[redacted] |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225595594 | [Redacted] | [Redacted] | 36494601 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is not located in the file. | Reviewer Comment (2026-06-10): Hazard Insurance Policy received and associated. Exception cleared. Buyer Comment (2026-06-09): hoi upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225595594 | [Redacted] | [Redacted] | 36530052 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final [redacted] indicates there is a [redacted]nd mortgage on the subject property. Evidence this is paid off and satisfied is missing. In addition, file is missing the [redacted] month pay history. | Reviewer Comment (2026-06-19): Received updated 1003. Exception Cleared. Buyer Comment (2026-06-18): corrected 1003. This was listed incorrectly on the 1003 as the credit report has this as an installment loan. Reviewer Comment (2026-06-11): Reviewed the application and closing statement. The loan with [redacted] was not paid off on the final closing statement and the payoff/payment history is missing. Buyer Comment (2026-06-09): please cancel cond, this was paid off on the final settlement statement and it will reflect satisfied on the final title policy once issued, it's not available at this time, the vom is on d[redacted] and the mortgage statement showing due [redacted] is on d[redacted] |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225599684 | [Redacted] | [Redacted] | 36496242 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-07): Received Post closed closing disclosure with taxes and insurance included in escrow. Exception cleared. Buyer Comment (2026-07-02): rebuttal and revised socs upld Reviewer Comment (2026-06-16): The final CD dated [redacted] shows insurance is not escrowed. if loan is an HPML loan, escrow account must be established at consummation. Exception remains. Buyer Comment (2026-06-15): [redacted] and First Payment Letter Reviewer Comment (2026-06-15): The loan is still a HPML loan considering processing fee paid to third party, and it's a non-compliant HPML due to hazard insurance was not escrowed, exception remains. Buyer Comment (2026-06-11): invoice upld, please remove processing fee $[redacted] from points & fees, it was paid to a [redacted]rd party. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225599684 | [Redacted] | [Redacted] | 36496245 | 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 [redacted]) 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. | The earliest dated E-Consent is [redacted], which was after the date of the initial Loan Estimate provided electronically, issued [redacted]. | Reviewer Comment (2026-06-08): [redacted] Received disclosure summary showing LE mailed. Buyer Comment (2026-06-05): econsent was accepted [redacted], agreement and proof [redacted] disclosures were also sent regular mail upld. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225599684 | [Redacted] | [Redacted] | 36496246 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $ [redacted]exceeds tolerance of $ [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax amount of $ [redacted]exceeds tolerance of $ [redacted]. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in the file. | Reviewer Comment (2026-06-08): [redacted] Received revised LE dated [redacted] along with valid COC. Buyer Comment (2026-06-05): tracking for [redacted] le also upld Buyer Comment (2026-06-05): [redacted] le and lock upld, valid coc is on d[redacted] |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225599684 | [Redacted] | [Redacted] | 36496263 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan ( [redacted]): Mandatory escrow account not established on [redacted] lien mortgage loan. | [redacted] due to HPML. | Reviewer Comment (2026-07-07): Received Post closed closing disclosure with taxes and insurance included in escrow. Exception cleared. Buyer Comment (2026-07-02): rebuttal and revised docs upld to trl docs Reviewer Comment (2026-06-16): The final CD dated [redacted] shows insurance is not escrowed. if loan is an HPML loan, escrow account must be established at consummation. Exception remains. Buyer Comment (2026-06-15): see uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225599684 | [Redacted] | [Redacted] | 36538908 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [redacted] indicates a lender exception approval for subject property gift equity from the seller however the approval document is not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-06): Client elects to waive with compensating factors. Reviewer Comment (2026-06-06): Received lender exception approval for gift of equity from a company that originally bought this property. Borrowers have been currently living in for the past year and half. They currently paying $[redacted] per month, withth epurchase their payment will actually be going $[redacted] per month. Buyer Comment (2026-06-05): exception aprvl upld |
06/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225599684 | [Redacted] | [Redacted] | 36887538 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Homeowners Insurance Included In Escrow on Final Closing Disclosure issued [redacted]. | Reviewer Comment (2026-07-08): [redacted] received Letter of Explanation & Corrected CD Buyer Comment (2026-07-07): please clear, the [redacted] pccd provided reflects hoi is escrowed, as previously noted, this loan funded with tax/hoi escrows, the correction on the [redacted] pccd was clerical.. |
07/08/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225599684 | [Redacted] | [Redacted] | 36904054 | 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 [redacted]that does not match the actual payment for the loan. | Final CD reflects HOI not escrowed | Reviewer Comment (2026-07-08): [redacted] received Letter of Explanation & Corrected CD |
07/08/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225599684 | [Redacted] | [Redacted] | 36904055 | 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. | Final CD reflects HOI not escrowed | Reviewer Comment (2026-07-08): [redacted] received Letter of Explanation & Corrected CD |
07/08/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225599811 | [Redacted] | [Redacted] | 36504009 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-28): Provided bank statements and check are sufficient to cover cash from borrower requirement. Exception cleared. Buyer Comment (2026-07-27): Please see attached statement for [redacted] for Acct #[redacted]. Also the copy of the check for $[redacted] to title is in file (D[redacted]) Reviewer Comment (2026-07-20): Received statement [redacted] for the account #[redacted]. Provide most recent [redacted] month bank statement prior to the Note date. Unable to determine payment of $[redacted] made to title. Provide wire confirmation. Exception Remains. Buyer Comment (2026-07-16): Please see attached statements that show [redacted] for close. [redacted] #[redacted] [redacted] shows withdrawal for $[redacted] for funds to close and supports reserves after close. [redacted] #[redacted] shows [redacted] for transfer of $[redacted] and $[redacted] into Act #[redacted]. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225599811 | [Redacted] | [Redacted] | 36504024 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-28): Provided bank statements and check are sufficient to cover reserve requirement. Exception cleared. Buyer Comment (2026-07-27): Please see attached statement for [redacted] for Acct #[redacted]. Also the copy of the check for $[redacted] to title is in file (D[redacted]) Reviewer Comment (2026-07-20): Received statement [redacted] for the account #[redacted]. Provide most recent [redacted] month bank statement prior to the Note date. Unable to determine payment of $[redacted] made to title. Provide wire confirmation. Exception Remains. Buyer Comment (2026-07-16): Please see attached statements that show [redacted] for close. [redacted] #[redacted] [redacted] shows withdrawal for $[redacted] for funds to close and supports reserves after close. [redacted] #[redacted] shows [redacted] for transfer of $[redacted] and $[redacted] into Act #[redacted]. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225599840 | [Redacted] | [Redacted] | 36504541 | Credit | Missing Document | General | Missing Document | Missing Document: Ground Lease not provided | Reviewer Comment (2026-06-25): Received required documentation. Condition cleared. Reviewer Comment (2026-06-15): The Deed has been received; however, the Ground Lease is required as the ownership type is leasehold. Exception Remains. Buyer Comment (2026-06-12): Please see attached. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225599840 | [Redacted] | [Redacted] | 36505802 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide most recent OFAC report on [redacted]. | Reviewer Comment (2026-06-08): Received fraud report with OFAC search for the borrowing business entity. Exception cleared. Buyer Comment (2026-06-04): Please see attached |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225599840 | [Redacted] | [Redacted] | 36539476 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per lender guides, The variance between the CDA or CCA and appraisal must be less than or equal to [redacted]%. If it is greater than [redacted]%, an additional appraisal review product must be completed. The difference between the appraisal and the CDA provided is [redacted%. | Reviewer Comment (2026-06-08): The difference between valuation of 1004 and CDA is [redacted]%. Exception cleared. Buyer Comment (2026-06-04): I have reviewed the calculation on this and the difference would be [redacted]%. Please clear condition. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225601251 | [Redacted] | [Redacted] | 36520731 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not found in file. | Reviewer Comment (2026-06-22): Final Title Policy received, exception cleared |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225601251 | [Redacted] | [Redacted] | 36520732 | 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 the file. Please provide the revised commitment or final title policy for the same. | Reviewer Comment (2026-06-22): Final Title Policy received, exception cleared Buyer Comment (2026-06-19): Please see attached updated title showing correct policy amount |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225601251 | [Redacted] | [Redacted] | 36520734 | Compliance | Compliance | State Compliance | State Defect | [redacted] [redacted] [redacted] | [redacted] Predatory Lending Database Program ([redacted) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption was not attached to the mortgage for recording. | Reviewer Comment (2026-06-22): Certificate of Compliance received, exception cleared. Buyer Comment (2026-06-19): Please see attached [redacted] Certificate of Compliance |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225602442 | [Redacted] | [Redacted] | 36524382 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception request DTI exception approved to[redacted% for cash-out rfi based on very low LTV and strong credit. Borrower must meet guidelines or provide an additional [redacted-month reserves. The file is missing the Lender exception file. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Occupancy: [redacted] Reserves: [redacted] Guideline Requirement: [redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-05): Please see attached Exception approval |
06/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225602447 | [Redacted] | [Redacted] | 36521228 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement was not found in file. | Reviewer Comment (2026-06-10): HELOC agreement provided for new HELOC, payment taken from credit report for other mortgage, taxes and insurance taken separately. Exception cleared. Buyer Comment (2026-06-09): statements upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225602447 | [Redacted] | [Redacted] | 36521262 | 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[redacted) business days prior to closing. | No evidence of receipt of initial Closing Disclosure issued [redacted. | Reviewer Comment (2026-06-10): [redacted] received initial CD. Buyer Comment (2026-06-09): tracking for [redacted] cd upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225602447 | [Redacted] | [Redacted] | 36521264 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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. | [redacted] 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. | Reviewer Comment (2026-06-26): [redacted] received valid COC dated [redacted] Buyer Comment (2026-06-25): rebuttal upld Reviewer Comment (2026-06-11): [redacted] received exception document indicates that the document created on [redacted] and modified on [redacted]. However, the lender credit removed on [redacted] LE. This is outside of the required [redacted]-day timeline for notification of borrower. Cure is required. Buyer Comment (2026-06-10): exception upld Reviewer Comment (2026-06-10): [redacted] received COC stating "UW exception outside of guidelines. However, we would require additional information for the Underwriting exception along with supporting documents in order to clear the exceptions or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-09): [redacted] le, tracking and valid coc upld, the credit was a general lender credit used to absorb costs. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225602453 | [Redacted] | [Redacted] | 36496931 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not found in file. | Reviewer Comment (2026-06-09): [redacted] Act Information Form provided with initial package. Exception Cleared. Buyer Comment (2026-06-05): Please see [redacted] Act docs D[redacted] & D[redacted] |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602455 | [Redacted] | [Redacted] | 36496154 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-10): Title Policy with sufficient coverage, cleared Buyer Comment (2026-06-10): Title |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602455 | [Redacted] | [Redacted] | 36496162 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The provided fraud report is incomplete. Please provide the complete fraud report with all pages. | Reviewer Comment (2026-06-10): Fraud report, cleared Buyer Comment (2026-06-09): The provided Summary and [redacted] Final Check is all that's required as it provides all relevant information |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602455 | [Redacted] | [Redacted] | 36496374 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted exchange agreement was not found in file. | Reviewer Comment (2026-06-18): Received 1031 exchange agreement. Exception cleared. Buyer Comment (2026-06-16): Exchange agreement Reviewer Comment (2026-06-16): Received assignment agreement. Required exchange agreement. Exception remains. Buyer Comment (2026-06-15): Agreement |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225602466 | [Redacted] | [Redacted] | 36501931 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Require a full fraud report. | Reviewer Comment (2026-06-26): Received Fraud Report. Exception Cleared. Buyer Comment (2026-06-24): Fraud Report Reviewer Comment (2026-06-18): Per lender guides, section [redacted], the follow is required: The underwriter is responsible for verifying all existing public records to ensure that are no outstanding judgements or liens against all Applicants. It is encouraged that additional tools (Fraud Guard report, [redacted], reports, etc.) which leverage public, private and proprietary data sources be utilized to aid in assessing credit profile. The fraud report provided does not provide all of the required information. Buyer Comment (2026-06-17): The Fraud Manager and Alert Summary are all that's required to address the fraud conditions, Both have already been provided |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225603232 | [Redacted] | [Redacted] | 36523371 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted exceeds tolerance of $[redacted over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee amount of $[redacted exceeds tolerance of $[redacted over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-06-24): [redacted] received a valid COC. Buyer Comment (2026-06-23): Fee was disclosed to borrowers the same day it was confirmed by appraiser Reviewer Comment (2026-06-11): [redacted] received rebuttal.However, there is no COC in order to re-baseline the fee. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-10): Appraisal was ordered and rushed as estimated closing was set for [redacted] days |
06/24/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225603248 | [Redacted] | [Redacted] | 36522608 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Closing Disclosure or other documentation verifying P&I for new loan on departure residence [redacted] | Reviewer Comment (2026-06-10): Closing Disclosure received and associated. Exception cleared. Buyer Comment (2026-06-09): Please see attached CD for [redacted]. Proceeds sent directly to close of subject transaction. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225603248 | [Redacted] | [Redacted] | 36522683 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-06-10): Flood Certificate associated. Exception cleared. Buyer Comment (2026-06-09): Please see attached Flood Cert |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225603248 | [Redacted] | [Redacted] | 36522707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded due to Title Endorsement fee on CD. Total amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-22): [redacted] received Post CD and LOX. Buyer Comment (2026-06-19): Please see Attached Cover Letter and PCCD moving Endorsement fees to Section [redacted]. Reviewer Comment (2026-06-10): [redacted] received rebuttal, however only title endorsement is disclosed on sec [redacted] of CD dated [redacted] and is subject to [redacted]% tolerance. Title fees were disclosed in section [redacted] which are tested at [redacted]% tolerance. Appears borrower shopped for title fees. Corrected CD moving the title -endorsement fee to Section [redacted] and LOE to borrower required to cure. Buyer Comment (2026-06-09): All [redacted] Percent Fees should be tested together. The Title-Lender's Title Insurance was initially disclosed at $[redacted] however the fees were split up on the final CD. Title-Lender's Title Insurance $[redacted] + Title Endorsements $[redacted] = $[redacted] is less than the amount initially disclosed so there is no tolerance exceeded. |
06/22/2026 | 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 | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225603248 | [Redacted] | [Redacted] | 36522709 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report fee amount of $[redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-10): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-09): Please see Final CD that already shows a lender credit in the amount of $[redacted] for this violation. |
06/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225603248 | [Redacted] | [Redacted] | 36535891 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing Closing Disclosure or other documentation verifying proceeds from new loan on departure residence [redacted] | Reviewer Comment (2026-06-10): Closing Disclosure received and associated. Exception cleared. Buyer Comment (2026-06-09): Please see attached CD for [redacted]. Proceeds sent directly to close of subject transaction. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225603248 | [Redacted] | [Redacted] | 36775741 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225603329 | [Redacted] | [Redacted] | 36522779 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. Valid COC provided. | Reviewer Comment (2026-06-12): [redacted] received updated LE and valid changed circumstances. Buyer Comment (2026-06-10): Fee was added for final inspection due subject to for completion |
06/12/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225603329 | [Redacted] | [Redacted] | 36539683 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | File is missing copy of Exhibit A doc | Reviewer Comment (2026-06-11): Rider - Other(Exabit - [redacted]) is provided. Exception cleared. Buyer Comment (2026-06-10): Dee with rider |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225603330 | [Redacted] | [Redacted] | 36522650 | 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]). | Disclosed finance charges are $[redacted]. Due diligence finance charges are $[redacted]. There is a variance of $[redacted] | Reviewer Comment (2026-07-02): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-01): pccd docs upld Reviewer Comment (2026-06-24): The loan is under-disclosed in the amount of $[redacted]. 1. [redacted] is using an APR Total fee amount of $[redacted]. 2. Fees included in the $[redacted] are: Flood, Condo Questionnaire, LDP, Interest, Processing Fee, Title - Signing Fee, Title - Recording Service Fee, Title - Loan Tie In Fee, Title - Settlement Fee, Underwriting Fee, Social Security Verification Tax Return Verification. 3. Finance Charge Calculations based on the above fees and final loan terms are as follows: ([redacted] payments of $[redacted] and a final payment of $[redacted] = $[redacted], $[redacted] - Loan amount of $[redacted] = $[redacted], $[redacted] + APR Fees of $[redacted] = $[redacted], $[redacted] - disclosed finance charge on page [redacted] of closing CD of $[redacted] = an under disclosure of $[redacted].) 4. The citation of an under-disclosure of $[redacted] does not appear accurate based on the transaction calculations shown above and the current loan file. 5. Remediation for the exception requires a PCCD, LOE, Copy of refund check and Proof of Mailing to complete. I apologize for any confusion. Outside counsel dictates the inclusion of the verification fees in the APR fee calculation. The main cause of the under disclosure of the transaction appears to be the HOA/Condo Questionnaire, which should be included as a finance charge in APR calculations. The document prep fee is excluded from calculations under [redacted] - (ii) - Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. Reviewer Comment (2026-06-23): Based on discussion with outside counsel [redacted] is including verification fees in our finance charge calculations. [redacted] 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. The finance charge is under disclosed in the amount of $[redacted]. Cure requires PCCD, LOE, Copy of refund check and proof of mailing. Buyer Comment (2026-06-22): rebuttal upld Reviewer Comment (2026-06-19): The underdisclosure is $[redacted], prior re-review of fees determined the title-signing agent fee of $[redacted] should have been included in finance charge calculation. Regarding Tax Return Verifiication, this is a fee related to the extension of credit and required by lender and does not fall under the [redacted] excludable fee requirements. If lender has regulatory guidance or can provide an additional lender attestation that gives the services included within the Tax Return Verification fee that would make it excludable, [redacted] can revist that fee, but this fee does not appear to meet any [redacted] excludable fee types. Cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted] and proof of mailing. Buyer Comment (2026-06-18): Would you accept [redacted] as the SSN fee should not have been included thank you Reviewer Comment (2026-06-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: 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]). (Final/[redacted]) Reviewer Comment (2026-06-09): [redacted] re-reviewed finance charge calculations. Added in the title-signing agent fee of $[redacted], but the title-courier fee was removed on the [redacted] Corrected CD and so not included. Reviewed lender compliance report and noted that lender did include $[redacted] title-courier fee. Total underdisclosure calculation is $[redacted]. Appears lender did not include the Condo Association Docs $[redacted] (Section [redacted] lender required fees), Social Security number $[redacted] (Section [redacted] lender required fees) & Tax Return Verification $[redacted] (Section [redacted] lendere required fees) in lender calculation which is causing the difference in calculations. The Condo Association Doc, Social Security Number and Tax Return Verification fees should have been included in lender calculation. The Condo Association Docs fee being the primary fee that pushes over threshold, if lender feels this fee would not be a finance charge, a lender's attestation could be provided giving the specific services and purpose of this fee in order to determine if was a fee for the extension of credit or if falls under [redacted] excludable fees. Cure would bea Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted] and proof of mailing. Buyer Comment (2026-06-08): please re-calculate your finance charge, the $[redacted] [redacted] fee and $[redacted] signing agent fee should be included, we will continue our review once your calculation is updated |
07/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225603330 | [Redacted] | [Redacted] | 36539536 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan indicated to be an exception and [redacted] also indicates an exception for income calculation; however, the file is missing the approved exception form with comp factors included. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-10): Client elects to waive with compensating factors. Reviewer Comment (2026-06-10): Lender exception approval provide for income calculation. Recently conversion from W-[redacted] to [redacted]. Buyer Comment (2026-06-08): exception aprvl upld |
06/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225603896 | [Redacted] | [Redacted] | 36523886 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-06-11): [redacted] received a valid COC. Buyer Comment (2026-06-10): valid coc upld |
06/11/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225603897 | [Redacted] | [Redacted] | 36523104 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a Verification of employment dated within [redacted] business days of the Note. | Reviewer Comment (2026-06-10): Received third party verification of employment within [redacted] days, exception cleared Buyer Comment (2026-06-09): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225603897 | [Redacted] | [Redacted] | 36523105 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within[redacted] business days of the Note. | - | File is missing a Verification of employment dated within [redacted] business days of the Note. | Reviewer Comment (2026-06-10): Received third party verification of employment within [redacted] days, exception cleared Buyer Comment (2026-06-09): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225604309 | [Redacted] | [Redacted] | 36524620 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid COC not provided at the time of closing. | Reviewer Comment (2026-06-26): [redacted] received LOX and Post CD. Buyer Comment (2026-06-25): #[redacted] on the purchase contract shows the pest inspection is at buyers expense Reviewer Comment (2026-06-11): [redacted] received Post CD and LOX. However, unable to determine from the file whether the lender or title company requried the Pest Inspection. If the lender required the Pest Inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest Inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-10): please see attached lox\pccd moving [redacted]rd party pest inspection fee to section [redacted]. Please remove from your calculations as this is a third party non apr fee |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225604403 | [Redacted] | [Redacted] | 36525368 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-10): Received E-Sign Consent Agreement and associated, exception cleared Buyer Comment (2026-06-09): proof econsent accepted upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225604403 | [Redacted] | [Redacted] | 36525470 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was provided. | Reviewer Comment (2026-06-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-15): PCCD, LOX, Label and Check |
06/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225604467 | [Redacted] | [Redacted] | 36496960 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution for business LLC is missing in file | Reviewer Comment (2026-06-09): Received Corporate resolution. Exception Cleared. Buyer Comment (2026-06-08): unanimous consent & resolution upld |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225604467 | [Redacted] | [Redacted] | 36496979 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing Project Approval to confirm if Condo is Warrantable. | Reviewer Comment (2026-06-09): Project review not required for detached condo. Exception Cleared. Buyer Comment (2026-06-08): please cancel, project review/aprvl was not needed, property is a detached condo. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225604467 | [Redacted] | [Redacted] | 36517615 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | The Closing Statement reflects a mortgage payoff of $[redacted], but the mortgage payoff reflects a payoff balance of $[redacted]. Please confirm the entire [redacted]st Lien has been fully paid off, and proof of funds for the balance of payoff in the amount of $[redacted] | Reviewer Comment (2026-06-24): Closing statement received for Negative impact on Title. Exception Cleared. Buyer Comment (2026-06-23): final ss for unit [redacted] Reviewer Comment (2026-06-16): Received email correspondence confirming balance of [redacted] is being paid off through closing of another property. Provide closing statement for Unit [redacted] to verify the payoff. Exception remains Buyer Comment (2026-06-12): rebuttal upld Reviewer Comment (2026-06-10): Received closing statement for unit [redacted] reflects mortgage payoff of $[redacted]. Provide proof of funds for the balance of payoff in the amount of $[redacted]. Exception remains. Buyer Comment (2026-06-08): final ss statement and title email regarding split pay off upld |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225604484 | [Redacted] | [Redacted] | 36496096 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Condo warrantable document is missing in the file. | Reviewer Comment (2026-06-09): Project review not required for detached condo. Exception Cleared. Buyer Comment (2026-06-08): please cancel, project review/aprvl was not needed, property is a detached condo. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225604484 | [Redacted] | [Redacted] | 36504707 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please provide most recent OFAC finding on [redacted]. | Reviewer Comment (2026-06-09): Received OFAC Search for the borrowing entity. Exception Cleared. Buyer Comment (2026-06-08): llc ofac upld |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225604559 | [Redacted] | [Redacted] | 36530958 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Most recent ([redacted]) [redacted] not provided for borrower and co-borrower. | Reviewer Comment (2026-06-11): [redacted] document received and captured Buyer Comment (2026-06-10): Please see attached [redacted] |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225604559 | [Redacted] | [Redacted] | 36530965 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-12): Received Title Final. Exception Cleared. |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225604559 | [Redacted] | [Redacted] | 36530976 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-06-12): Received Title Final. Exception Cleared. Buyer Comment (2026-06-11): Please see updated title report showing correct policy amount. |
06/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225604559 | [Redacted] | [Redacted] | 36537610 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Most recent ([redacted]) [redacted] not provided for borrower and co-borrower. | Reviewer Comment (2026-06-11): [redacted] business return received and captured Buyer Comment (2026-06-10): Please see attached [redacted] |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225604562 | [Redacted] | [Redacted] | 36524979 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-16): E-Sign Consent Agreement received and associated. Exception Cleared. Buyer Comment (2026-06-16): Audit trail Reviewer Comment (2026-06-10): E-sign consent date is showing pending please provide document which shows consent date, Exception remains. Buyer Comment (2026-06-09): proof econsent accepted upld |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225604562 | [Redacted] | [Redacted] | 36525033 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Asset is insufficient to cover the reserve requirement. | Reviewer Comment (2026-06-17): Received Final closing disclosure for [redacted], Exception cleared. Buyer Comment (2026-06-16): Final cd, 1003 and 1008 Reviewer Comment (2026-06-11): Provided lender exception approval is for allowing [redacted]% LTV and use only co-borrower's assets. it does not mention anything about reserve requirement not met. Buyer Comment (2026-06-09): exception upld to trl docs |
06/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225604562 | [Redacted] | [Redacted] | 36525034 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Asset is insufficient to cover the reserve requirement. | Reviewer Comment (2026-06-17): Received Final closing disclosure for [redacted], Exception cleared. Buyer Comment (2026-06-16): see uploaded Reviewer Comment (2026-06-11): Provided lender exception approval is for allowing [redacted]% LTV and use only co-borrower's assets. it does not mention anything about reserve requirement not met. Buyer Comment (2026-06-09): exception upld |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225604562 | [Redacted] | [Redacted] | 36537822 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Borrower is short funds for reserves. | Reviewer Comment (2026-06-17): Received Final closing disclosure for [redacted], Exception cleared. Buyer Comment (2026-06-16): see uploaded Reviewer Comment (2026-06-11): Provided lender exception approval is for allowing [redacted]% LTV and use only co-borrower's assets. it does not mention anything about reserve requirement not met. Buyer Comment (2026-06-09): exception upld to trl docs |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225604562 | [Redacted] | [Redacted] | 36714119 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow [redacted]% LTV with bank statements to qualify with fully blended income and assets. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-18): Client elects to wavie with compensating factors. Reviewer Comment (2026-06-18): Lender exception approval provided to allow [redacted]% LTV - non-occupant co-borrower, method [redacted]. Buyer Comment (2026-06-16): see uploaded |
06/18/2026 | Yes | 2 | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225604562 | [Redacted] | [Redacted] | 36714120 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to use only co-borrower's assets, instead of borrower contributing [redacted]% of her own funds. | Reviewer Comment (2026-06-17): Received Final closing disclosure for [redacted], Exception cleared. Buyer Comment (2026-06-16): see uploaded |
06/17/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225608974 | [Redacted] | [Redacted] | 36530748 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-15): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-06-12): Please see attached Buyer Comment (2026-06-12): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225612385 | [Redacted] | [Redacted] | 36532234 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing a fully executed warranty deed transferring ownership to the borrower. | Reviewer Comment (2026-07-01): Received grant deed. Exception cleared. Buyer Comment (2026-06-29): Please see attached Grant Deed with all pages. |
07/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225612385 | [Redacted] | [Redacted] | 36532238 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount is not provided. | Reviewer Comment (2026-07-01): Received Supplement Report with proposed amount. Exception cleared. Buyer Comment (2026-06-30): Please see updated title report with accurate policy amount of $[redacted] |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225612385 | [Redacted] | [Redacted] | 36532295 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-17): [redacted] Received Valid COC dated [redacted]. Buyer Comment (2026-06-16): Initial rate lock (attached) was not reflective of an exception (attached). Final lock (D[redacted]) reflects the exception LLPA pricing which increased the points. COC issued [redacted] shows Exception Approved. New CD issued within [redacted] business days [redacted] showing the increased fee. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225612385 | [Redacted] | [Redacted] | 36532296 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Re-Inspection Fee disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-16): Please see final CD that reflects a lender credit of $[redacted]. The lender credit includes the underdisclosure of the appraisal re-Inspection fee of $[redacted]. Please see attached screenshot showing lender credit includes the appraisal re-inspection fee. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225612385 | [Redacted] | [Redacted] | 36746962 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225612437 | [Redacted] | [Redacted] | 36530942 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower within [redacted] business days of application. | Reviewer Comment (2026-07-02): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-06-30): Please see attached eConsent dated [redacted] Reviewer Comment (2026-06-15): [redacted] agree with the rebuttal. However, we would require e-consent by [redacted] or earliest e-consent in order to clear the exception. Buyer Comment (2026-06-12): Application date is [redacted]. That makes [redacted] [redacted] day [redacted], [redacted] [redacted] Day [redacted] and LE issued on [redacted] [redacted] which is day [redacted]. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225612437 | [Redacted] | [Redacted] | 36530944 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee was not disclosed on Loan Estimate but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-07-08): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-07): Please see attached cure check, PCCD, Cover Letter and proof [redacted] delivered. |
07/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225612437 | [Redacted] | [Redacted] | 36530945 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was disclosed on Loan Estimate $[redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-06-15): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-12): Please refer to the final CD that shows a Lender Credit for $[redacted], this is to cure the Credit Report violation. |
06/15/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225612437 | [Redacted] | [Redacted] | 36869327 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225612576 | [Redacted] | [Redacted] | 36538846 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-09): E-Sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-06-05): Please see attached E-consent |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225614074 | [Redacted] | [Redacted] | 36531966 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-10): E-Sign Consent Agreement associated. Exception cleared. Buyer Comment (2026-06-09): econsent upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225614074 | [Redacted] | [Redacted] | 36531973 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-06-10): Hazard Insurance Policy received and associated. Exception cleared. Buyer Comment (2026-06-09): hoi upld |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225624558 | [Redacted] | [Redacted] | 36532623 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE - Employment Only is missing in file. | Reviewer Comment (2026-06-15): VVOE is provided within [redacted] business days prior to Note date. Exception clear Buyer Comment (2026-06-12): Please see attached VVOE for [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624558 | [Redacted] | [Redacted] | 36532656 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-06-15): Provided VVOE for Borrower within [redacted] business days prior to Note date. Exception clear. Buyer Comment (2026-06-12): I believe this a [redacted] condition due to the missing VVOE. If not please clarify otherwise clear based on VVOE attached. |
06/15/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225624558 | [Redacted] | [Redacted] | 36532684 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Borrower Verification of Employment is missing in file. | Reviewer Comment (2026-06-15): VVOE is provided within [redacted] business days prior to Note date. Exception clear Buyer Comment (2026-06-12): Please see attached VVOE for [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624558 | [Redacted] | [Redacted] | 36532686 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | VVOE for [redacted] income is not in the file. | Reviewer Comment (2026-06-16): Received VVOE |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624558 | [Redacted] | [Redacted] | 36532698 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | VVOE not found in the file. | Reviewer Comment (2026-06-15): VVOE is provided within [redacted] business days prior to Note date. Exception clear Buyer Comment (2026-06-12): Please see attached VVOE for [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624558 | [Redacted] | [Redacted] | 36539484 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE for borrower [redacted] not in file. | Reviewer Comment (2026-06-15): Provided VVOE for Borrower within [redacted] business days prior to Note date. Exception clear. Buyer Comment (2026-06-12): Please see attached VVOE for [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624558 | [Redacted] | [Redacted] | 36539605 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE for borrower is not in file. | Reviewer Comment (2026-06-15): Provided VVOE for Borrower within [redacted] business days prior to Note date. Exception clear. Buyer Comment (2026-06-12): Please see attached VVOE for [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225624558 | [Redacted] | [Redacted] | 36539661 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-06-15): Provided VVOE for Borrower within [redacted] business days prior to Note date. Exception clear. Buyer Comment (2026-06-12): I believe this a [redacted] condition due to the missing VVOE. If not please clarify otherwise clear based on VVOE attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225624561 | [Redacted] | [Redacted] | 36532451 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Statement to verify PITI for investment REO. | Reviewer Comment (2026-06-12): Received final closing disclosure to verify P&I. Exception cleared. Buyer Comment (2026-06-11): New Loan Final CD |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624561 | [Redacted] | [Redacted] | 36532509 | 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]). | 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]. | Reviewer Comment (2026-06-18): [redacted] received documentation of fee purpose. Buyer Comment (2026-06-17): Fee is HOA dues and shouldn't be included in calculations. See attached Reviewer Comment (2026-06-12): The[redacted]Endorsement fee has been removed from calculations; however, the [redacted] fee remains. Please provide fee purpose and name of party requesting the fee for further review. Buyer Comment (2026-06-11): Rebuttal |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225624563 | [Redacted] | [Redacted] | 36532192 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-06-17): Loan redignated to [redacted] per client Buyer Comment (2026-06-15): Please have loan re-designated to QM [redacted] |
06/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225624563 | [Redacted] | [Redacted] | 36532193 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-06-17): Loan redignated to [redacted] per client Buyer Comment (2026-06-15): Please have loan re-designated to QM [redacted] |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225624563 | [Redacted] | [Redacted] | 36532195 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Employment verification dated [redacted] is not within [redacted]business days of [redacted] Note. | Reviewer Comment (2026-06-24): Third party verification of employment received. Details verified and updated. Exception clear. Buyer Comment (2026-06-22): rebuttal upld Reviewer Comment (2026-06-19): Require Borrower VVOE document reflecting employer name "[redacted] " however provided VVOE document shows employer name "[redacted] . Exception Remains. Buyer Comment (2026-06-18): correct vvoe Reviewer Comment (2026-06-17): The employer on the VVOE provided is [redacted] however the borrower's employer is [redacted] . Buyer Comment (2026-06-17): vvoe Reviewer Comment (2026-06-17): Loan has been re-designated per request however a VVOE is required per lender guidelines. Buyer Comment (2026-06-15): Please have loan re-designated to QM [redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225624563 | [Redacted] | [Redacted] | 36539270 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-06-17): Loan redignated to [redacted] per client Buyer Comment (2026-06-15): Please have loan re-designated to QM [redacted] |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225624563 | [Redacted] | [Redacted] | 36539317 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-06-24): Third party verification of employment received. Details verified and updated. Exception clear. Buyer Comment (2026-06-22): rebuttal upld to trl docs Reviewer Comment (2026-06-19): Require Borrower VVOE document reflecting employer name "[redacted] " however provided VVOE document shows employer name "[redacted] . Exception Remains. Buyer Comment (2026-06-18): see uploaded Reviewer Comment (2026-06-17): The employer on the VVOE provided is [redacted] however the borrower's employer is [redacted] . Buyer Comment (2026-06-17): see uploaded Reviewer Comment (2026-06-17): Loan has been re-designated per request however a VVOE is required per lender guidelines. Buyer Comment (2026-06-15): Please have loan re-designated to QM [redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225624563 | [Redacted] | [Redacted] | 36748469 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-24): Third party verification of employment received. Details verified and updated. Exception clear. Buyer Comment (2026-06-22): rebuttal upld to trl docs Reviewer Comment (2026-06-19): Require Borrower VVOE document reflecting employer name "[redacted] " however provided VVOE document shows employer name "[redacted] . Exception Remains. Buyer Comment (2026-06-18): see uploaded Reviewer Comment (2026-06-17): The employer on the VVOE provided is [redacted] however the borrower's employer is [redacted] . Buyer Comment (2026-06-17): see uploaded |
06/24/2026 | No | 1 | A | A | A | A | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225624563 | [Redacted] | [Redacted] | 36748470 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are [redacted] 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.) | Reviewer Comment (2026-06-24): Third party verification of employment received. Details verified and updated. Exception clear. Buyer Comment (2026-06-22): rebuttal upld to trl docs Reviewer Comment (2026-06-19): Require Borrower VVOE document reflecting employer name "[redacted] " however provided VVOE document shows employer name "[redacted] . Exception Remains. Buyer Comment (2026-06-18): see uploaded Reviewer Comment (2026-06-17): The employer on the VVOE provided is [redacted] however the borrower's employer is [redacted] . Buyer Comment (2026-06-17): see uploaded |
06/24/2026 | No | 1 | A | A | A | A | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225624563 | [Redacted] | [Redacted] | 36748513 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan has been re-designated per request however a VVOE is required per lender guidelines. | Reviewer Comment (2026-06-24): Third party verification of employment received. Details verified and updated. Exception clear. Buyer Comment (2026-06-22): rebuttal upld to trl docs Reviewer Comment (2026-06-19): Require Borrower VVOE document reflecting employer name "[redacted] " however provided VVOE document shows employer name "[redacted] . Exception Remains. Buyer Comment (2026-06-18): see uploaded Reviewer Comment (2026-06-17): The employer on the VVOE provided is [redacted] however the borrower's employer is [redacted] . Buyer Comment (2026-06-17): see uploaded |
06/24/2026 | No | 1 | A | A | A | A | A | CO | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225624563 | [Redacted] | [Redacted] | 36811561 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of [redacted] QM (APOR) matches the Due Diligence Loan Designation of [redacted] QM (APOR). | Waterfall due to loan redesignated to [redacted] QM- APOR. | Buyer Comment (2026-06-29): ok to waive Reviewer Comment (2026-06-26): This is an EV2 exception for informational purposes only. It simply indicates the loan designation was restated. DD is unable to cancel, however lender may waive. Buyer Comment (2026-06-24): please cancel, this is a [redacted] cond, all other conds were cleared. |
06/29/2026 | No | 2 | A | B | B | B | A | CO | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225624564 | [Redacted] | [Redacted] | 36532392 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing documentation to support pension income for co-borrower. Bank Statements were in the file, but do not support the amount used in qualifying. | Reviewer Comment (2026-06-18): Received updated 1008, 1003 removing pension income. Buyer Comment (2026-06-17): See updated 1008/1003 removing pension income. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225624564 | [Redacted] | [Redacted] | 36532550 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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. | Reviewer Comment (2026-06-22): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-19): Please see attached PCCD, Cover Letter, Cure check and proof [redacted] Delivered. |
06/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225624564 | [Redacted] | [Redacted] | 36532556 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing documentation to support pension income for co-borrower, causing the loan to waterfall through QM Testing. | Reviewer Comment (2026-06-18): Received updated 1008, 1003 removing pension income. Buyer Comment (2026-06-17): See updated 1008/1003 removing pension income. |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225624564 | [Redacted] | [Redacted] | 36532557 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Missing documentation to support pension income for co-borrower, causing the loan to waterfall through QM Testing. | Reviewer Comment (2026-06-18): Received updated 1008, 1003 removing pension income. Buyer Comment (2026-06-17): See updated 1008/1003 removing pension income. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225624564 | [Redacted] | [Redacted] | 36532558 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing documentation to support pension income for co-borrower, causing the loan to waterfall through QM Testing. | Reviewer Comment (2026-06-18): Received updated 1008, 1003 removing pension income. Buyer Comment (2026-06-17): See updated 1008/1003 removing pension income. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225624564 | [Redacted] | [Redacted] | 36532564 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing documentation to support pension income for co-borrower. Bank Statements were in the file, but do not support the amount used in qualifying. | Reviewer Comment (2026-06-18): Received updated 1008, 1003 removing pension income. Buyer Comment (2026-06-17): See updated 1008/1003 removing pension income. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225624575 | [Redacted] | [Redacted] | 36533277 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient lender credit was provided. | Reviewer Comment (2026-06-11): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-10): See D[redacted] page [redacted] is the final CD , cure is at the bottom of page [redacted] |
06/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225624575 | [Redacted] | [Redacted] | 36716647 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | No | 1 | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225624578 | [Redacted] | [Redacted] | 36533911 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-15): Received updated preliminary title report with the updated coverage value of $[redacted] to meet the loan amount and exception cleared. Buyer Comment (2026-06-12): updated commit upld |
06/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225624594 | [Redacted] | [Redacted] | 36520175 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-12): Final title with sufficient coverage, cleared |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DE | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 225624594 | [Redacted] | [Redacted] | 36529766 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-12): Final title with sufficient coverage, cleared Buyer Comment (2026-06-12): Title |
06/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | DE | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225624602 | [Redacted] | [Redacted] | 36541729 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | [redacted] Account #[redacted] Evidence of Access is missing | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-02): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-29): Exception |
06/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225624602 | [Redacted] | [Redacted] | 36541730 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | [redacted] Account # [redacted] Evidence of Access is missing | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-02): Lender Exception with Compensating Factors provided. Buyer Comment (2026-05-29): Exception |
06/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225624602 | [Redacted] | [Redacted] | 36541741 | 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 [redacted] lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller CD is missing | Reviewer Comment (2026-06-03): [redacted] received a seller CD with seller paid closing costs. Buyer Comment (2026-06-02): Signed Sellers ALta Reviewer Comment (2026-05-29): [redacted] received buyer closing statement, however we require true & certified copy of final combined or seller settlement statement to re-evaluate the exception. Buyer Comment (2026-05-28): DOC |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225624604 | [Redacted] | [Redacted] | 36533375 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing Bank statement for month [redacted] | Reviewer Comment (2026-06-01): Received [redacted] to [redacted] month bank statement for the account #[redacted]. Exception cleared. Buyer Comment (2026-05-29): [redacted] |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624604 | [Redacted] | [Redacted] | 36533381 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing Bank statement for month [redacted] | Reviewer Comment (2026-06-01): Received [redacted] to [redacted] month bank statement for the account #[redacted]. Exception cleared. Buyer Comment (2026-05-29): [redacted] |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225624604 | [Redacted] | [Redacted] | 36533382 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing Bank statement for month[redacted] and Third Party Verification document date is missing. | Reviewer Comment (2026-06-19): Received bank statement. Condition cleared. Reviewer Comment (2026-06-01): Provided Business Entity search D[redacted] has no document date. Exception remains. Buyer Comment (2026-05-29): [redacted] |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225624604 | [Redacted] | [Redacted] | 36533411 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing Bank statement for month[redacted] | Reviewer Comment (2026-06-01): Received [redacted] to [redacted] month bank statement for the account #[redacted]. Exception cleared. Buyer Comment (2026-05-29): [redacted] |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225624604 | [Redacted] | [Redacted] | 36533413 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing Bank statement for month[redacted] | Reviewer Comment (2026-06-01): Received [redacted] to [redacted] month bank statement for the account #[redacted]. Exception cleared. Buyer Comment (2026-05-29): [redacted] |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225624604 | [Redacted] | [Redacted] | 36533429 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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. | [redacted] 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. | Reviewer Comment (2026-06-01): [redacted] Received Valid COC dated [redacted]. Buyer Comment (2026-05-29): Doc |
06/01/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225624604 | [Redacted] | [Redacted] | 36533430 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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. | Reviewer Comment (2026-06-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-05-28): LOE |
06/01/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225624604 | [Redacted] | [Redacted] | 36626660 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225628110 | [Redacted] | [Redacted] | 36535226 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Loan amount reflected on provided corporate resolution differs from subject loan amount. | Reviewer Comment (2026-06-24): Corrected Corporate Resolution, cleared Buyer Comment (2026-06-24): revised uc upld |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225628620 | [Redacted] | [Redacted] | 36534834 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Missig a valid COC or sufficient lender credit. | Reviewer Comment (2026-06-15): [redacted] received Post CD and LOX. Buyer Comment (2026-06-12): PCCD with letter. Remove $[redacted] signing agent fee from calculations as it was shopped for and is not an APR fee |
06/15/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225630061 | [Redacted] | [Redacted] | 36681121 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data Discrepancy: DSCR | Reviewer Comment (2026-06-15): Received comparable rent schedule. [redacted] updated. Exception cleared. Buyer Comment (2026-06-12): There was an updated [redacted] sent that should address this the [redacted] DSCR is [redacted] this should be acceptable. Reviewer Comment (2026-06-10): Comparable rent schedule reflects market rent as [redacted]/[redacted] = DSCR [redacted] which differs from [redacted] of [redacted]. Exception remains. Buyer Comment (2026-06-08): ROV - [redacted] Buyer Comment (2026-06-08): [redacted] respectfully disagrees with DSCR. Please see attached ROV [redacted] with updated rental of $[redacted] [redacted] / [redacted] = [redacted] |
06/15/2026 | No | 1 | A | A | A | A | A | TX | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225630115 | [Redacted] | [Redacted] | 36533669 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-17): Econsent provided. Buyer Comment (2026-06-16): E-consent |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225630115 | [Redacted] | [Redacted] | 36534350 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | No UCDP results found in file. A secondary valuation is required. | Reviewer Comment (2026-06-17): UCDP provided. Buyer Comment (2026-06-16): SSR's |
06/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225630115 | [Redacted] | [Redacted] | 36534369 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. there is no evidence of extended coverage or insurer's estimate of replacement cost provided. | Reviewer Comment (2026-06-17): Replacement Cost Estimator received and associated. Exception cleared. Buyer Comment (2026-06-16): RCE |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225630115 | [Redacted] | [Redacted] | 36534449 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted][redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of on Final Closing Disclosure provided on [redacted] are underdisclosed. | The final signed CD in file indicates loan does not have escrows; however, the file contains an Initial Escrow Account Disclosure signed and dated on the day of closing. | Reviewer Comment (2026-06-22): [redacted] received rebuttal comment confirming Loan does not have escrow account. Buyer Comment (2026-06-22): disregard the escrow disclosure, it generated in the package and was signed in error, the escrow waiver is on d[redacted] and the the valid coc is on d[redacted]. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225630115 | [Redacted] | [Redacted] | 36534457 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | The final signed CD in file indicates loan does not have escrows; however, the file contains an Initial Escrow Account Disclosure signed and dated on the day of closing. | Reviewer Comment (2026-06-22): [redacted] received rebuttal comment confirming Loan does not have escrow account. Buyer Comment (2026-06-22): disregard the escrow disclosure, it generated in the package and was signed in error, the escrow waiver is on d[redacted] and the the valid coc is on d[redacted]. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225630115 | [Redacted] | [Redacted] | 36534458 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | The final signed CD in file indicates loan does not have escrows; however, the file contains an Initial Escrow Account Disclosure signed and dated on the day of closing. | Reviewer Comment (2026-06-22): [redacted] received rebuttal comment confirming Loan does not have escrow account. Buyer Comment (2026-06-22): disregard the escrow disclosure, it generated in the package and was signed in error, the escrow waiver is on d[redacted] and the the valid coc is on d[redacted]. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225630115 | [Redacted] | [Redacted] | 36534459 | 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 [redacted] business days prior to closing. | The only CD in file is dated [redacted], the day of closing. No evidence of an earlier-issued CD in file. | Reviewer Comment (2026-06-22): [redacted] received initial CD. Buyer Comment (2026-06-22): initial cd & trakcing upld |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225630130 | [Redacted] | [Redacted] | 36536121 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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. | Reviewer Comment (2026-06-19): [redacted] received corrected PCCD and LOE moving non lender required fee from [redacted]. Buyer Comment (2026-06-18): Please see Correspondence with Title Company confirming that the Survey was required by them in order to issue a Title Policy. I have updated the PCCD and moved the survey fee to [redacted]. See attached Cover Letter and PCCD that was sent to the borrower via our internal portal |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225630130 | [Redacted] | [Redacted] | 36536136 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to VVOE missing for the borrower and co-borrower. | Reviewer Comment (2026-06-18): Leave & earning statement used for VVOE & is within [redacted] days of note. Exception cleared. Buyer Comment (2026-06-17): Please see attached VVOE's for both borrowers. |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225630130 | [Redacted] | [Redacted] | 36536137 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] 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 [redacted] business days of the Note. | Reviewer Comment (2026-06-18): Leave & earning statement used for VVOE & is within [redacted] days of note. Exception cleared. Buyer Comment (2026-06-17): Please see attached VVOE's for both borrowers. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225630130 | [Redacted] | [Redacted] | 36536176 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment is not within [redacted] business days of the Note. | Reviewer Comment (2026-06-18): Leave & earning statement used for VVOE & is within [redacted] days of note. Exception cleared. Buyer Comment (2026-06-17): Please see attached VVOE's for both borrowers. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225630130 | [Redacted] | [Redacted] | 36551861 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing VVOE for both borrowers dated within [redacted] business days of the Note. | Reviewer Comment (2026-06-18): Leave & earning statement used for VVOE & is within [redacted] days of note. Exception cleared. Buyer Comment (2026-06-17): Please see attached VVOE's for both borrowers. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225630130 | [Redacted] | [Redacted] | 36551867 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for both borrowers dated within [redacted] business days of the Note. | Reviewer Comment (2026-06-18): Leave & earning statement used for VVOE & is within [redacted] days of note. Exception cleared. Buyer Comment (2026-06-17): Please see attached VVOE's for both borrowers. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225632619 | [Redacted] | [Redacted] | 36535704 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225632619 | [Redacted] | [Redacted] | 36544017 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA, tax verification not provided for property located at [redacted]. [redacted]. | Reviewer Comment (2026-06-18): HOA verification provided in file. Exceprion cleared Buyer Comment (2026-06-17): This property is [redacted] and taxes are paid in the HOA/Coop fees (D[redacted]) Because [redacted] ([redacted]) is a large cooperative building, property taxes are not assessed or billed to individual units separately. Instead, taxes are paid by the co-op corporation as a whole, with your share factored directly into the monthly maintenance or HOA fees. HOA is in D[redacted] (shows unit [redacted] - [redacted] ([redacted] is the street number and HOI confirms unit number is [redacted]). This is why the HOA dues are so large) |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635144 | [Redacted] | [Redacted] | 36541306 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit report fee aamount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-20): Sufficient Cure Provided At Closing |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225635145 | [Redacted] | [Redacted] | 36538189 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225635145 | [Redacted] | [Redacted] | 36538267 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Employment verification dated [redacted] is not within [redacted]business days of [redacted] Note. | Reviewer Comment (2026-07-02): Verification of employment considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-30): Please see attached. Reviewer Comment (2026-06-15): Provided VOE is postdated, provide VOE within [redacted] business days of Note date-Exception remains Buyer Comment (2026-06-13): This would be agency QM. Reviewer Comment (2026-06-10): Please be more specific about the QM type. Buyer Comment (2026-06-08): Please redesignate the loan as QM |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225635145 | [Redacted] | [Redacted] | 36538269 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-07-02): Verification of employment considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-30): [redacted] Reviewer Comment (2026-06-15): Provided VOE is postdated, provide VOE within [redacted] business days of Note date-Exception remains Buyer Comment (2026-06-13): Please see attached. |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225635145 | [Redacted] | [Redacted] | 36538270 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-07-02): Verification of employment considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-30): [redacted] Reviewer Comment (2026-06-15): Provided VOE is postdated, provide VOE within [redacted] business days of Note date-Exception remains Buyer Comment (2026-06-13): [redacted]. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225635145 | [Redacted] | [Redacted] | 36546869 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-07-02): Verification of employment considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-30): [redacted] Reviewer Comment (2026-06-15): Provided VOE is postdated, provide VOE within [redacted] business days of Note date-Exception remains Buyer Comment (2026-06-13): [redacted]. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225635145 | [Redacted] | [Redacted] | 36546874 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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 due to missing employment verification dated within [redacted] business days of Note. | Reviewer Comment (2026-07-02): Verification of employment considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-30): [redacted] Reviewer Comment (2026-06-15): Provided VOE is postdated, provide VOE within [redacted] business days of Note date-Exception remains Buyer Comment (2026-06-13): [redacted]. Reviewer Comment (2026-06-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225635145 | [Redacted] | [Redacted] | 36870163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of [redacted] QM (APOR) matches the Due Diligence Loan Designation of [redacted] QM (APOR). | Loan Designation Restated to [redacted]QM (APOR) | Buyer Comment (2026-07-02): Please waive per [redacted] |
07/02/2026 | No | 2 | A | B | B | B | A | MA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225635146 | [Redacted] | [Redacted] | 36537211 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-06-16): SSR score is [redacted] hence desk review not required. Exception cleared. Buyer Comment (2026-06-15): SSR score of [redacted] and a desk review isn't required and shipped in error. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | A | A | A | A | C | A | Non QM | Non QM | No | ||||||||||||
| 225635146 | [Redacted] | [Redacted] | 36537264 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-19): Sufficient Cure Provided At Closing |
05/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | A | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 225635166 | [Redacted] | [Redacted] | 36540701 | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | Agreement required for $[redacted] | Reviewer Comment (2026-07-09): Received Final closing statement for net proceeds. Exception cleared. Buyer Comment (2026-07-08): this loan closed simultaneous with another loan, see final ss from that transaction, funds from that transaction along with the [redacted] account should be sufficient. Reviewer Comment (2026-06-25): Doc id [redacted] is a payoff statement which shows payoff amount of $[redacted].Secured funds of $[redacted] is used for closing, however Heloc agreement is not provided. Exception remains. Buyer Comment (2026-06-24): this was paid off at closing, please see page [redacted] of the final cd on d[redacted], the close out letter is on d[redacted] (pages [redacted] & [redacted]) Reviewer Comment (2026-06-12): The transaction history provided does not support or verify the amount of $[redacted]. Please provide the HELOC agreement for further review. Exception Remains. Buyer Comment (2026-06-11): transaction hist is on d[redacted] |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225635166 | [Redacted] | [Redacted] | 36540706 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-06-12): Received Title Final. Exception Cleared. |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225635166 | [Redacted] | [Redacted] | 36540707 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-12): Received Title Final. Exception Cleared. Buyer Comment (2026-06-11): final policy upld |
06/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225635167 | [Redacted] | [Redacted] | 36540753 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Reviewer Comment (2026-06-12): Individual is [redacted] of the borrowing entity, cleared Buyer Comment (2026-06-12): Borrower is [redacted]% owner of business and has access to business funds based on [redacted] docs |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225635167 | [Redacted] | [Redacted] | 36543028 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution from both members on operating agreement is missing in file. | Reviewer Comment (2026-06-12): Corporate Resolution, cleared Buyer Comment (2026-06-12): Resolution |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225635171 | [Redacted] | [Redacted] | 36554992 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final refinance statement. Must be signed/dated or stamped certified. | Reviewer Comment (2026-07-01): Final closing statement, cleared Buyer Comment (2026-07-01): Please see attached. |
07/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225635236 | [Redacted] | [Redacted] | 36539442 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Sufficient assets are not provided in file. PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-06-11): No new document received. Earnest money deposit can be used towards closing. Exception cleared. Buyer Comment (2026-06-10): EMD of $[redacted] can be used for both closing and reserves. Closing statement reflects $[redacted] EMD and Bank statement ([redacted]) shows wire of $[redacted]on [redacted] with supporting docs to show wire was for the EMD see [redacted] & [redacted]. When using the EMD the borrower meets the [redacted] months reserve requirements. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225635314 | [Redacted] | [Redacted] | 36538822 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing. | Reviewer Comment (2026-06-15): Final [redacted] document received and verified. Exception cleared. Buyer Comment (2026-06-12): Please see attached. Thank you |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635314 | [Redacted] | [Redacted] | 36538841 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-24): Evidence of appraisal receipt received. Exception cleared |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635314 | [Redacted] | [Redacted] | 36538842 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant[redacted]business days prior to consummation. | No evidence that borrower received a copy of appraisal [redacted] business days to closing. | Reviewer Comment (2026-06-24): Evidence of appraisal receipt received. Exception cleared Buyer Comment (2026-06-23): [redacted] appraisal stamped at top left ... Receipt for [redacted] Reviewer Comment (2026-06-15): Appraisal report dated [redacted] and [redacted] missing evidence of receipt. Exception remains Buyer Comment (2026-06-12): Original appraisal and appraisal receipts |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225635314 | [Redacted] | [Redacted] | 36727971 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. Exception remains | Reviewer Comment (2026-06-24): Evidence of appraisal receipt received. Exception cleared |
06/24/2026 | No | 1 | A | A | A | A | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225635398 | [Redacted] | [Redacted] | 36540262 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Effective date of the appraisal is [redacted]. Desk review effective date is [redacted] | Reviewer Comment (2026-06-18): Received clarification/approval/documentation from lender. Condition cleared. CDA was from a prior appraisal. CU scores are acceptable and secondary appraisal was not ordered for the updated appraisal. Buyer Comment (2026-06-17): ; An appraisal review was not required on this transaction therefore the updated appraisal did not have a CDA completed. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| 225635398 | [Redacted] | [Redacted] | 36540310 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Compliant Higher Priced Loan. | Buyer Comment (2026-06-17): OK to waive per [redacted] |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | C | A | Non QM | Non QM | No | |||||||||
| 225635398 | [Redacted] | [Redacted] | 36554196 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | File did not contain a valid change of circumstance for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-06-30): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-26): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted] delivered |
06/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OK | 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 | C | A | Non QM | Non QM | Yes | |||||||||
| 225635398 | [Redacted] | [Redacted] | 36554198 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Tolerance cure at closing. | Reviewer Comment (2026-05-21): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
05/21/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | OK | 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 | C | A | Non QM | Non QM | Yes | |||||||||
| 225635605 | [Redacted] | [Redacted] | 36542092 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-15): Received Final Title Policy with correct amount. Exception cleared. |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225635605 | [Redacted] | [Redacted] | 36542094 | 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 (2026-06-15): Received Final Title Policy with correct amount. Exception cleared. Buyer Comment (2026-06-11): Please see attached Title report with the corrected loan amount |
06/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635605 | [Redacted] | [Redacted] | 36554901 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing a signed/dated close out letter for the Heloc paid at closing. | Reviewer Comment (2026-06-18): Received signed and dated close out letter for heloc. Exception cleared. Buyer Comment (2026-06-16): [redacted] was officially formed on [redacted], as a result of a merger between [redacted] and [redacted] please note the account numbers are the same and loan amounts are the same - Credit report reflect s [redacted]. A simple google search will confirm these entities are the same. Reviewer Comment (2026-06-15): Received close out letter for HELOC is reflecting credit name "[redacted]" whereas Final [redacted] and Closing Disclosure is reflecting "[redacted]". Exception remains. Buyer Comment (2026-06-11): Please see attached Payoff Transmittal signed by the borrowers that requests upon posting the payment please close the account. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225635617 | [Redacted] | [Redacted] | 36541522 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The bid tape DTI is [redacted] however due diligence is [redacted]. An updated Bid tape for the DSCR is required. | Reviewer Comment (2026-06-23): Data compare has been updated. Exception cleared. Buyer Comment (2026-06-19): Please see data compare. Please clear condition. Reviewer Comment (2026-06-02): Bid Tape is not yet updated to reflect the new DTI, exception will be reviewed when bid tape is updated. exception remains Buyer Comment (2026-05-29): Please see attached. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225635617 | [Redacted] | [Redacted] | 36552806 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Electronic consent date is pending on provided document. | Reviewer Comment (2026-06-02): E-sign consent received, exception cleared Buyer Comment (2026-05-29): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225636149 | [Redacted] | [Redacted] | 36542457 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on LE dated but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-16): [redacted] Received Valid [redacted] dated [redacted]. Buyer Comment (2026-06-15): ICD with COC and original SSR |
06/16/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225636149 | [Redacted] | [Redacted] | 36542458 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-15): See D[redacted] page [redacted] for the final CD which has the cure on the bottom of page [redacted] |
06/16/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225636149 | [Redacted] | [Redacted] | 36738015 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225636164 | [Redacted] | [Redacted] | 36541727 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-06-09): CDA Provided. Exception cleared. Buyer Comment (2026-06-08): Please see attached. |
06/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225636168 | [Redacted] | [Redacted] | 36541181 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Final 1003 shows borrower is living rent-free however the lender [redacted]has considered $[redacted]as monthly primary rent expenses. | Reviewer Comment (2026-06-11): Updated [redacted] shows DTI [redacted]% Buyer Comment (2026-06-10): Please see updated [redacted]/[redacted] with corrected ratios. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225636168 | [Redacted] | [Redacted] | 36555722 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-06-11): Document provided [redacted] Buyer Comment (2026-06-10): Borrower is rent free therefore there is no [redacted] month housing history. Verification of Rent Free letter found in [redacted] |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225638905 | [Redacted] | [Redacted] | 36542115 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided for subject property. | Reviewer Comment (2026-06-15): Hazard Insurance Policy document received and verified. Exception cleared. Buyer Comment (2026-06-11): hoi upld |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225638905 | [Redacted] | [Redacted] | 36542127 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is missing. | Reviewer Comment (2026-06-15): [redacted] for [redacted] received and verified. Exception cleared Buyer Comment (2026-06-11): ucdp upld, cu score is under [redacted], [redacted] valuation not required. |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225638980 | [Redacted] | [Redacted] | 36541433 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-10): Received E-sign Consent agreement verified and associated, exception cleared. Buyer Comment (2026-06-08): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225639456 | [Redacted] | [Redacted] | 36562446 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower's alimony terminates [redacted] which is less than [redacted] yrs from the Note date and does not meet guidelines. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-17): Client elects to waive with compensating factors. Reviewer Comment (2026-06-17): Lender exception approval provided for [redacted] without [redacted] years continuance. Buyer Comment (2026-06-15): Exception |
06/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 225639463 | [Redacted] | [Redacted] | 36548981 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Borrower has been self-employed for less than [redacted] years. Previously was employed by [redacted]. Supporting income verifications and tax documents to establish [redacted] year employment history are missing. | Reviewer Comment (2026-06-26): Received signed and dated acknowledgment of LOE is verified; exception is cleared. Buyer Comment (2026-06-25): title email upld confirming the lox was provided in the closing package and signed on the day of closing, this should be sufficient to confirm the lox is current Reviewer Comment (2026-06-24): Document date is missing on letter of explanation Doc ID [redacted]. Exception remains. Buyer Comment (2026-06-22): the cpa provided on [redacted] is sufficient to clear, it is dated and signed, the specific tax year is not required. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225639463 | [Redacted] | [Redacted] | 36549096 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee was last disclosed as $[redacted]on the Loan Estimate but disclosed as $[redacted]on the Final Closing Disclosure. The file does not contain a valid change of circumstance for this fee; however, evidence of cure was provided in the file. | 05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225639463 | [Redacted] | [Redacted] | 36549118 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Provide a Letter of Explanation for income document with [redacted]. | Reviewer Comment (2026-06-26): Received signed and dated acknowledgment of LOE is verified; exception cleared. Buyer Comment (2026-06-25): title email upld to trl docs. Reviewer Comment (2026-06-24): Document date is missing on letter of explanation Doc ID [redacted]. Exception remains. Buyer Comment (2026-06-22): the cpa provided on [redacted] is sufficient to clear, it is dated and signed, the specific tax year is not required. |
06/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225639463 | [Redacted] | [Redacted] | 36549119 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Provide a Letter of Explanation for income document with [redacted]. | Reviewer Comment (2026-06-26): Received signed and dated acknowledgment of LOE is verified; exception cleared. Buyer Comment (2026-06-25): title email upld to trl docs. Reviewer Comment (2026-06-24): Document date is missing on letter of explanation Doc ID [redacted]. Exception remains. Buyer Comment (2026-06-22): the cpa provided on [redacted] is sufficient to clear, it is dated and signed, the specific tax year is not required. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225639463 | [Redacted] | [Redacted] | 36562633 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The file was missing Lender Exception documentation. Bank Statement [redacted]Exception Non QM Purchase of primary SFR in [redacted] @[redacted]% FICO [redacted]; LTV [redacted]% DTI NA | Reviewer Comment (2026-06-23): Lender Exception associated. Exception cleared. Buyer Comment (2026-06-22): exception aprvl upld |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225639468 | [Redacted] | [Redacted] | 36546992 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Replacement cost estimator was not provided or extended dwelling ocverge to satisfy shortfall of $[redacted]. | Reviewer Comment (2026-06-29): Received blanket policy. Exception cleared. Buyer Comment (2026-06-25): Please see attached Blanket Policy showing property address and liability information. Reviewer Comment (2026-06-09): The provided Doc ID [redacted] does not contain the property address and liability information. Exception remains. Buyer Comment (2026-06-05): This is an [redacted] Policy. Please refer to the blanket policy [redacted] for sufficient coverage on building. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225639829 | [Redacted] | [Redacted] | 36556870 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan indicated to be an exception file and 1008 also indicates an exception was granted to use leases over market rent; however, the file i missing the Exception Approval with comp factors. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-18): Client elects to waive with compensating factors. Reviewer Comment (2026-06-18): Lender exception approval provided to substantiate above morket rents being used to calculate [redacted] with [redacted] months proof of receipt received prior to closing. Buyer Comment (2026-06-16): exceptions |
06/18/2026 | Yes | 2 | B | B | B | B | B | ID | Investment | Refinance - Cash-out - Other | A | B | A | B | A | A | N/A | No | ||||||||||||||||
| 225640206 | [Redacted] | [Redacted] | 36555432 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-21): Sufficient Cure Provided At Closing |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225640206 | [Redacted] | [Redacted] | 36567854 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Per lender guides on 1099 income verification, the following is required. If the note date is more than [redacted] days into the calendar year Documentation of receipt of year-to-date income if note date more than [redacted] days removed from year end via one of the following: A check stub or checks showing receipt of YTD income, or Bank statements showing receipt of YTD income |
Reviewer Comment (2026-06-23): Received year to date paystub. Condition cleared. Buyer Comment (2026-06-22): ytd pay stub upld |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225640206 | [Redacted] | [Redacted] | 36568693 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Failure due to missing year to date income requirements. | Reviewer Comment (2026-06-23): Received year to date paystub. Condition cleared. Buyer Comment (2026-06-22): ytd pay stub upld to trl docs |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225640206 | [Redacted] | [Redacted] | 36568769 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to missing year to date income for the primary borrower as required by lender guides. | Reviewer Comment (2026-06-23): Received year to date paystub. Condition cleared. Buyer Comment (2026-06-22): ytd pay stub upld to trl docs |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225640206 | [Redacted] | [Redacted] | 36568770 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Failure due to missing year to date income for the primary borrower as required by lender guides. | Reviewer Comment (2026-06-23): Received year to date paystub. Condition cleared. Buyer Comment (2026-06-22): ytd pay stub upld to trl docs |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225640206 | [Redacted] | [Redacted] | 36568771 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Failure due to missing year to date income for the primary borrower as required by lender guides. | Reviewer Comment (2026-06-23): Received year to date paystub. Condition cleared. Reviewer Comment (2026-06-23): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) Buyer Comment (2026-06-22): ytd pay stub upld to trl docs |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225640206 | [Redacted] | [Redacted] | 36806809 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the HOI policies for these [redacted] properties. | Reviewer Comment (2026-06-25): Explanation letter received confirming no insurance on the property. Buyer Comment (2026-06-23): please see bwr lox on [redacted] / no hoi policies |
06/25/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225640413 | [Redacted] | [Redacted] | 36553483 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-06-12): Received Title Supplement Policy with policy amount $[redacted]. Exception cleared. Buyer Comment (2026-06-11): Please see attached title report showing the policy amount |
06/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225640413 | [Redacted] | [Redacted] | 36553523 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Insurance policy for subject property not provided in file. | Reviewer Comment (2026-06-12): Received Hazard insurance policy. Exception cleared Buyer Comment (2026-06-11): Please see attached HOI for the subject property |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225642523 | [Redacted] | [Redacted] | 36553597 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A secondary valuation report is required for securitization. | Reviewer Comment (2026-06-22): Desk review received & updated. Exception cleared. Buyer Comment (2026-06-18): CDA |
06/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CO | Second Home | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225642523 | [Redacted] | [Redacted] | 36553664 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Documentation to verify borrower's child support and alimony obligations was not in file (IE: divorce decree, court order, etc.) | Reviewer Comment (2026-06-16): Received divorce decree document, Exception cleared. Buyer Comment (2026-06-16): Divorce |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225642523 | [Redacted] | [Redacted] | 36568871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Recording fees were increased with no valid change of circumstance if file and no evidence of a tolerance cure. | Reviewer Comment (2026-06-22): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-18): PCCD with cure, being sent out today |
06/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225642523 | [Redacted] | [Redacted] | 36568975 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved exception in file for a non-warrantable condo that is a condotel and has insufficient reserve contribution. Approved with comp factors; however, one of the approval stipulations was a max LTV of [redacted]% and the loan closed with an LTV of [redacted]%. File did not contain a revised exception approval with [redacted]LTV. | The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Exception approved with comp factors. Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC,Originator Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-17): Client elects to waive with compensating factors. Reviewer Comment (2026-06-17): Received updated lender exception approval for non-warrantable condotel and insufficient reserve contribution with [redacted]% LTV/CLTV stipulation. Buyer Comment (2026-06-15): Exception |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Second Home | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | ||||||||
| 225645540 | [Redacted] | [Redacted] | 36558313 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign consent agreement is missing in file. | Reviewer Comment (2026-06-16): Received E-sign consent agreement, Exception cleared. Buyer Comment (2026-06-15): [redacted] |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 225645540 | [Redacted] | [Redacted] | 36558326 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-06-16): Received ucdp summary report showing CU score is [redacted] hence secondary valuation is not required, Exception cleared. Buyer Comment (2026-06-15): Not required as SSR score is [redacted] |
06/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225645540 | [Redacted] | [Redacted] | 36558350 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in file. | Reviewer Comment (2026-06-16): Received hazard insurance policy, Exception cleared. Buyer Comment (2026-06-15): Hazard |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225645540 | [Redacted] | [Redacted] | 36558352 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent Comparison Schedule is missing. | Reviewer Comment (2026-06-16): Rental income is not used to qualify hence rent comparable is not required, Exception cleared. Buyer Comment (2026-06-15): Not required as no rents being used to qualify |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225645542 | [Redacted] | [Redacted] | 36558037 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | The only LE in file is dated[redacted] which was more than [redacted]business days after the application date of [redacted] | Reviewer Comment (2026-06-11): [redacted] Received Copy of Initial Loan estimate dated [redacted]. Buyer Comment (2026-06-10): Please see attached LE dated [redacted] |
06/11/2026 | 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 | Non QM | Non QM | No | ||||||||||
| 225645543 | [Redacted] | [Redacted] | 36557416 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Business Bank a/c statement missing in file for [redacted]with account ending with #[redacted]. | Reviewer Comment (2026-06-17): Bank statement received. Buyer Comment (2026-06-16): Business statement |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225645543 | [Redacted] | [Redacted] | 36557422 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business Bank a/c statement missing in file for [redacted] with account ending with #[redacted]. | Reviewer Comment (2026-06-17): Bank statement received. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225645543 | [Redacted] | [Redacted] | 36557508 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation mismatch due to Business Bank a/c statement missing in file for[redacted]with account ending with #[redacted]. | Reviewer Comment (2026-06-17): Bank statement received. |
06/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225645543 | [Redacted] | [Redacted] | 36557509 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Business Bank a/c statement missing in file for [redacted] with account ending with #[redacted]. | Reviewer Comment (2026-06-17): Bank statement received. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225645543 | [Redacted] | [Redacted] | 36569894 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing bank statement. | Reviewer Comment (2026-06-17): Bank statement received. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225645543 | [Redacted] | [Redacted] | 36569895 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-22): Sufficient Cure Provided At Closing |
05/22/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225645543 | [Redacted] | [Redacted] | 36569907 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing one of the [redacted]monthly bank statements used to compute qualifying income. | Reviewer Comment (2026-06-17): Bank statement received. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225645545 | [Redacted] | [Redacted] | 36558393 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the mortgage statement or other documentation to confirm payment for property located at #[redacted]. | Reviewer Comment (2026-06-09): Closing Disclosure Document received and verified. Exception cleared Buyer Comment (2026-06-08): Please see attached. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225645549 | [Redacted] | [Redacted] | 36559822 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Re-Inspection Fee of $[redacted] not disclosed until final CD without a valid change of circumstance and no cure was provided to the borrower. | Reviewer Comment (2026-06-29): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-26): pccd docs upld |
06/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225645549 | [Redacted] | [Redacted] | 36559840 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] Percent Fee Tolerance exceeded due to Title/ endorsement fee of [redacted] not being disclosed on initial LE. No valid change of circumstance and no cure was provided to the borrower. | Reviewer Comment (2026-06-29): [redacted] received PCCD and LOE Buyer Comment (2026-06-26): pccd docs upld to trl docs |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225645550 | [Redacted] | [Redacted] | 36579507 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted]month payment history for the subject property. | Reviewer Comment (2026-06-15): Received [redacted] payment history for subject in the file. Exception Cleared. Buyer Comment (2026-06-12): Hello, it's on page [redacted] of the pkg delivered. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225645550 | [Redacted] | [Redacted] | 36579521 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates lender approved an exception, however the exception form, approval and compensating factors was not located. | Reviewer Comment (2026-06-18): Received Lender exception with compensating factor. Exception Cleared. Buyer Comment (2026-06-16): Exception |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225645568 | [Redacted] | [Redacted] | 36559180 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-05-27): Verification of [redacted] date provided Buyer Comment (2026-05-27): Please see attached. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225645568 | [Redacted] | [Redacted] | 36559276 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | [redacted] loan Closing Disclosure was not provided in file. | Reviewer Comment (2026-06-09): Received bridge loan closing disclosure, Exception cleared. Buyer Comment (2026-06-08): Please see attached. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225645568 | [Redacted] | [Redacted] | 36559291 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] loan Closing Disclosure was not provided in file. | Reviewer Comment (2026-06-09): Received bridge loan closing disclosure, Exception cleared. Buyer Comment (2026-06-08): [redacted]. Please clear. |
06/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225645568 | [Redacted] | [Redacted] | 36559292 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] loan Closing Disclosure was not provided in file. | Reviewer Comment (2026-06-09): Received bridge loan closing disclosure, Exception cleared. Buyer Comment (2026-06-08): [redacted]. Please clear. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225645572 | [Redacted] | [Redacted] | 36570805 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lenders monthly P/i amount reflected on 1008 as $[redacted]; however, the actual P/I per the Note is $[redacted]. | Reviewer Comment (2026-06-17): Updated [redacted] received, no discrepancy in bid tape. Buyer Comment (2026-06-16): Corrected [redacted] , DTI is [redacted]% |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225646002 | [Redacted] | [Redacted] | 36561440 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] Percent Fee Tolerance exceeded due to multiple title fees and recording fee all increasing on final CD. No valid change circumstance in file and no cure provided. | Reviewer Comment (2026-07-20): [redacted] received PCCD and LOE Buyer Comment (2026-07-17): Please see cover letter attached with condition #[redacted], it addresses both changes. Reviewer Comment (2026-07-08): [redacted] received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize. Buyer Comment (2026-07-06): Resent - Title Fees were incorrectly disclosed in [redacted]. Please see attached PCCD where Title Fees have been moved to [redacted]. The borrower shopped for services and did not use a provider on our [redacted] ([redacted]) therefore we are not held to the tolerance requirements. (Cover Letter not yet completed. That will be done and sent to borrower when cure check is ready to send to clear [redacted] TRID condition, cure for that condition is not yet approved by [redacted] and not yet added to this PCCD). Reviewer Comment (2026-06-26): [redacted] no document received in order to clear the exception. Kindly provide Post CD along with LOX by moving the fees to [redacted]. Buyer Comment (2026-06-25): Title Fees were incorrectly disclosed in [redacted]. Please see attached PCCD where Title Fees have been moved to [redacted]. The borrower shopped for services and did not use a provider on our [redacted] ([redacted]) therefore we are not held to the tolerance requirements. (Cover Letter not yet completed. That will be done and sent to borrower when cure check is ready to send to clear [redacted] TRID condition, cure for that condition is not yet approved by [redacted] and not yet added to this PCCD). |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225646002 | [Redacted] | [Redacted] | 36561441 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 on closing disclosure is $[redacted]and on loan estimate $[redacted]. No valid change circumstance in file. | Reviewer Comment (2026-07-20): [redacted] received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-07-17): Please see attached Cure check, PCCD, Cover Letter and proof [redacted] in transit |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225646467 | [Redacted] | [Redacted] | 36561243 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | Blanket Coverage selected and HO-6 policy not selected because the HOI premium amount is missing. | Reviewer Comment (2026-06-19): Policy is walls in. Condition cleared Buyer Comment (2026-06-17): Blanket Policy ([redacted]) does cover interior. Please see Special Condition/Other Coverages section (about [redacted] the way down the page), [redacted] item says "[redacted]". Please cancel condition. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225646467 | [Redacted] | [Redacted] | 36561267 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. With no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At Closing |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225646467 | [Redacted] | [Redacted] | 36578035 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing evidence of continuance of the annuity income. | Reviewer Comment (2026-06-19): Receive Award letter & exception cleared. Buyer Comment (2026-06-17): Please see attached award letter. I have also attached the approved Exception on the calculation of the income. |
06/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225646467 | [Redacted] | [Redacted] | 36578036 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing evidence of continuance of the annuity income. | Reviewer Comment (2026-06-19): Receive Award letter & exception cleared. Buyer Comment (2026-06-17): Please see attached award letter. I have also attached the approved Exception on the calculation of the income. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225646467 | [Redacted] | [Redacted] | 36578042 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing documentation to confirm length of continuance for the annuity income. | Reviewer Comment (2026-06-19): Receive Award letter & exception cleared. Buyer Comment (2026-06-17): Please see attached award letter. I have also attached the approved Exception on the calculation of the income. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225646467 | [Redacted] | [Redacted] | 36578046 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | No documentation in file to evidence how long the annuity income continues. | Reviewer Comment (2026-06-19): Receive Award letter & exception cleared. Buyer Comment (2026-06-17): Please see attached award letter. I have also attached the approved Exception on the calculation of the income. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225646467 | [Redacted] | [Redacted] | 36578096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing evidence of continuance of the annuity income. | Reviewer Comment (2026-06-19): Receive Award letter & exception cleared. Buyer Comment (2026-06-17): Please see attached award letter. I have also attached the approved Exception on the calculation of the income. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225646467 | [Redacted] | [Redacted] | 36769515 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower has requested exception for - Borrower's income derives from a structured settlement paid out by an [redacted]. There is a gap in when they payments are made from [redacted][redacted]until [redacted][redacted]and then the income continues for life. We are looking to get an exception on utilizing the income even though it has a gap because it has been paying out since [redacted]and will continue paying out until at least [redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-19): Client elects to waive with compensating factors. |
06/19/2026 | Yes | 2 | B | B | B | B | B | NV | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225646470 | [Redacted] | [Redacted] | 36561999 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | The final loan application reflects the borrower will occupy the property as primary residence in the Declarations section. | Reviewer Comment (2026-07-10): Received updated [redacted]. Condition cleared. Buyer Comment (2026-07-08): signed revised [redacted] and email communication to bwr upld to trl docs Reviewer Comment (2026-06-24): Updated signed [redacted] required for "will you occupy the property as your primary residence as NO". Exception Remains Buyer Comment (2026-06-23): please see bwr lox on [redacted] |
07/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | C | B | C | B | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225646470 | [Redacted] | [Redacted] | 36562018 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender exception approval is provided for non-warrantable condo. New construction condotel in [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-26): Client elects to waive with compensting factors. |
05/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | B | B | A | A | A | Non QM | Non QM | No | |||||||
| 225646470 | [Redacted] | [Redacted] | 36580168 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The final loan application reflects the borrower will occupy the property as primary residence in the Declarations section. | Reviewer Comment (2026-07-10): Received corrected [redacted]. Condition cleared. Buyer Comment (2026-07-08): signed revised [redacted] and email communication to bwr upld to trl docs Reviewer Comment (2026-06-24): Updated signed [redacted] required for "will you occupy the property as your primary residence as NO". Exception Remains Buyer Comment (2026-06-23): please see bwr lox on [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | B | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36573919 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not provided in file. | Reviewer Comment (2026-06-23): Hazard Insurance Policy received and verified. Exception cleared. Buyer Comment (2026-06-22): Please see attached HOI |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225646773 | [Redacted] | [Redacted] | 36573942 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Final Title Policy is missing. No evidence of title was found in file. | Reviewer Comment (2026-06-23): Final title policy received and details updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached Final Title Policy. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225646773 | [Redacted] | [Redacted] | 36573975 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign consent was not provided in file. | Reviewer Comment (2026-06-23): E-sign consent agreement received and details updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574183 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. | - | VVOE within [redacted]busindess days of the Note date was missing. | Reviewer Comment (2026-06-23): Third party verification of employment received and details updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached [redacted] day VVOE for [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574185 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. | - | VVOE within [redacted]business days of the Note date was missing. | Reviewer Comment (2026-06-23): Third party verification of employment received and details updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached [redacted] day VVOE for [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574199 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1040 ([redacted]) and 1040 ([redacted]) are missing for borrower[redacted]. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. Details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Clarity appears to be having upload issues, trying again, sorry if you get these more than once. - : Please see attached CD dated [redacted] Buyer Comment (2026-06-22): Please see attached tax returns - [redacted] & [redacted] [redacted] w/ K1, [redacted]K1, [redacted] & [redacted][redacted], [redacted] [redacted] extension |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574206 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1040 ([redacted]), 1040 ([redacted]), and VVOE - Employment are missing for borrower [redacted]. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. All the details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached income documents |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574228 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Review fee was disclosed on initial Loan Estimate as $[redacted]but disclosed on final Closing Disclosure as $[redacted]. File does not contain a valid COC for this fee, nor is evidence of cure provided in file. | Reviewer Comment (2026-07-06): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-02): Cover letter was submitted with PCCD, Cure Check and proof check delivered and is found with trailing docs ([redacted]) submitted [redacted] Reviewer Comment (2026-07-01): [redacted] received corrected PCCD, copy of refund check and proof of mailing for cure but missing LOE to borrower to accompanying CD. LOE is required to cure. Buyer Comment (2026-06-29): Please see attached cure check, PCCD, Cover letter and proof [redacted] delivered. |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225646773 | [Redacted] | [Redacted] | 36574301 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation mismatch due to missing Tax returns for years [redacted]and [redacted]for borrower and co-borrower; missing recent [redacted]-year Schedule C [redacted]) and VOE ([redacted]); and missing recent [redacted]-year Schedule K-1 ([redacted] for borrower. Missing VOE for ([redacted] and [redacted]) for co-borrower. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. All the details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached income documents |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225646773 | [Redacted] | [Redacted] | 36574302 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | ATR failure due to borrower income: VOE is missing for [redacted]. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. All the details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached income documents |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574304 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | ATR failure due to borrower income: recent [redacted]-year Schedule C is missing for [redacted]and [redacted]. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. All the details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached income documents |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574305 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing Tax returns for years [redacted] and [redacted] for borrower and co-borrower; missing recent [redacted]-year Schedule C ([redacted]) and VOE ([redacted]); and missing recent [redacted]-year Schedule K-1 ([redacted]) for borrower. Missing VOE for ([redacted] and [redacted]) for co-borrower. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. All the details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached income documents |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574306 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing Tax returns for years [redacted] and [redacted] for borrower and co-borrower; missing recent two-year Schedule C ([redacted]) and VOE ([redacted]); and missing recent two-year Schedule K-1 ([redacted]) for borrower. Missing VOE for ([redacted] and[redacted]) for co-borrower. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. All the details verified and updated. Exception cleared. |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574312 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | ATR failure due to missing Tax returns for years [redacted] and [redacted] for borrower and co-borrower; missing recent [redacted]-year Schedule C ([redacted]) and VOE ([redacted]); and missing recent [redacted]-year Schedule K-1 ([redacted]) for borrower. Missing VOE for ([redacted] and [redacted]) for co-borrower. | Reviewer Comment (2026-06-23): Income documents received for borrower's self-employment and wage income and co-borrower's wage income. All the details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached income documents |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574349 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing Tax returns for years [redacted] and [redacted] for borrower and co-borrower; missing recent [redacted]-year Schedule C ([redacted]) and VOE ([redacted]); and missing recent [redacted]-year Schedule K-1 ([redacted]) for borrower. Missing VOE for [redacted]and [redacted]) for co-borrower. | Reviewer Comment (2026-06-23): Income documents received for Borrower and co-borrower's self-employment and wage income. All the details verified and updated. Exception cleared. Buyer Comment (2026-06-22): Please see attached income documents |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646773 | [Redacted] | [Redacted] | 36574404 | 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 [redacted] ([redacted]) business days prior to closing. | Only Closing Disclosure available in file is the final one dated [redacted]. | Reviewer Comment (2026-06-24): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-06-23): Please see Proof [redacted] CD provided to and receive by borrower Reviewer Comment (2026-06-23): [redacted] received [redacted] CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [redacted]. Consummation date is [redacted]. [redacted] is day [redacted], [redacted] is day [redacted]. Please provide documentation if the CD was received [redacted] (day [redacted]) or earlier for review. Buyer Comment (2026-06-22): : Please see attached CD dated [redacted] |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225646773 | [Redacted] | [Redacted] | 36574487 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | ATR failure due to co-borrower income missing the most recent tax return for [redacted]. | Buyer Comment (2026-07-02): Waive - however the documents requested are in the file, not sure why we are left to waive rather than it getting cleared. Reviewer Comment (2026-07-01): This is an [redacted] citing for informational purposes only. May be waived by client. Buyer Comment (2026-06-29): [redacted] personal returns are not provided, there is an extension for these documents, the extension does not require a [redacted]. [redacted] signed Taxes for [redacted] is attached. Please Note, it appears the [redacted] page got pulled through incomplete, so I have attached the full unsigned page to show it matches up. Reviewer Comment (2026-06-24): Require Borrower "[redacted]" latest year [redacted] business and personal tax return signed and dated to clear the exception, as provided document already available and consider in file. Exception Remains. Buyer Comment (2026-06-22): Please see attached income documents |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225646797 | [Redacted] | [Redacted] | 36561050 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The 1008 indicates that there are Lender Exception(s) however the lender exception approval document is not provided in file. | Reviewer Comment (2026-06-24): Lender exception document provided and associated. Exception Cleared Buyer Comment (2026-06-23): Exception |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225646797 | [Redacted] | [Redacted] | 36561056 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception as per 1008 is: Departing not having the required [redacted]% equity. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-24): Client elects to waive with compensating factors. Reviewer Comment (2026-06-24): Received lender exception approval for [redacted]% equity in excluded departing residence vs [redacted]% equity normally required. Buyer Comment (2026-06-23): See exception |
06/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225646797 | [Redacted] | [Redacted] | 36561253 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit report fee in Loan Estimate is $[redacted]and Closing Disclosure reflects $[redacted]. No valid COC in file. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At Closing |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225646813 | [Redacted] | [Redacted] | 36561319 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]Underdisclosed - [redacted][redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Reviewer Comment (2026-07-02): [redacted] received corrected PCCD and LOE Buyer Comment (2026-07-01): Please see attached Reviewer Comment (2026-06-01): [redacted]: The final CD that was provided in the trailing images was also provided in the original loan package. However, the non-escrowed HOI amount was not entered in the final CD of page [redacted] and [redacted] under non-escrowed section. it should also be listed on page [redacted] and page [redacted], under non-escrow amount. PCCD and LOE required to cure. Buyer Comment (2026-05-31): Please see final CD which has the information requested. Please clear condition. |
07/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225646813 | [Redacted] | [Redacted] | 36561330 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee increased from $[redacted]to $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-15): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-12): Please see attached. |
06/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225646865 | [Redacted] | [Redacted] | 36562752 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-19): Revalidated title documents received and verified. Exception cleared. Buyer Comment (2026-06-18): Please review D[redacted] as there is a Supplemental Report included that shows policy amount of $[redacted]. Please cancel. |
06/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225646865 | [Redacted] | [Redacted] | 36562796 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance exceeded for appraisal review fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. No valid change of circumstance found in file and the cure provided at closing was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-06-30): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-26): Please see attached Cure check, PCCD, Cover Letter, and proof [redacted] was delivered. |
06/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225646865 | [Redacted] | [Redacted] | 36562797 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] percent fee tolerance exceeded for credit report fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. No valid change of circumstance found in file and the cure provided at closing was not sufficient to cure both tolerance issues. | Reviewer Comment (2026-06-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-18): Please see final CD that reflects a lender credit of $[redacted] for this violation. Please cancel. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225647296 | [Redacted] | [Redacted] | 36562368 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-05-27): Verification of E-Consent date provided Buyer Comment (2026-05-27): Please see attached. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225647296 | [Redacted] | [Redacted] | 36562447 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 disclosed on initial Loan Estimate as $[redacted]but disclosed on final Closing Disclosure as $[redacted]. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-06-30): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-26): Please see attached. Reviewer Comment (2026-06-01): [redacted] received COC dated [redacted] stating loan amount decreased which impacted transfer tax. However, the reason mentioned is not valid since the decrease in loan amount doesn't impact transfer tax. Kindly provide valid COC for the transfer tax increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-05-29): The transfer tax line was made up of intangible tax which is not subject to the [redacted]% tolerance |
06/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225651938 | [Redacted] | [Redacted] | 36570507 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Survey Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-24): [redacted] received Post CD and LOX. Buyer Comment (2026-06-23): PCCD with letter |
06/24/2026 | 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 | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 225651938 | [Redacted] | [Redacted] | 36570628 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-18): Lender Exception with Compensating Factors provided. Brw doesn't have FICO due to no Credit Brw was a collage student and doesn't have the [redacted] atl tradelines with [redacted] month history, Brw was drafted in [redacted] and has residual income of $[redacted] monthly Buyer Comment (2026-06-16): Exception |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 225652714 | [Redacted] | [Redacted] | 36571040 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-18): Title policy amount updated from Final title policy. Exception cleared. Buyer Comment (2026-06-17): Title |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225652714 | [Redacted] | [Redacted] | 36571041 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-18): Final title policy received and verified. Exception cleared. |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225652717 | [Redacted] | [Redacted] | 36572714 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-22): Appraisal dated [redacted] received and reviewed by borrower. Exception cleared Buyer Comment (2026-06-19): This appears to be [redacted] condition for the [redacted]nd condition however if something additional is needed, please identify. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225652717 | [Redacted] | [Redacted] | 36572715 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to Note. | Reviewer Comment (2026-06-22): Appraisal dated [redacted] received and reviewed by borrower. Exception cleared Buyer Comment (2026-06-19): (disregard previous comments: Uploaded comment to wrong condition:) Please see [redacted] showing borrower received appraisal [redacted] Buyer Comment (2026-06-19): Please see attached CD's dated [redacted] and [redacted] along with the corresponding COC for those dates showing extension fees disclosed to borrower. [redacted]th page of the Rate Lock document in [redacted] shows the locks were extended [redacted]and [redacted] which supports the timing of the COC's Buyer Comment (2026-06-19): Please see [redacted] showing borrower received appraisal [redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225652717 | [Redacted] | [Redacted] | 36572718 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-06-22): [redacted] received [redacted] and [redacted] CDs along with the [redacted]s. Buyer Comment (2026-06-19): Please see attached CD's dated [redacted] and [redacted] along with the corresponding COC for those dates showing extension fees disclosed to borrower. [redacted]th page of the Rate Lock document in [redacted] shows the locks were extended [redacted]and [redacted] which supports the timing of the COC's |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225653129 | [Redacted] | [Redacted] | 36576839 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-17): Document received. Buyer Comment (2026-06-16): audit trail |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225653131 | [Redacted] | [Redacted] | 36572505 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Fraud report disclosed an open Tax Lien under the borrower's name. Tax Lien was not paid off at closing, and the file is missing the required payment documentation or proof the Tax Lien was paid in full and satisfied. | Reviewer Comment (2026-06-17): Received tax lien satisfied and release documents. Exception cleared. Buyer Comment (2026-06-16): Releases |
06/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225653131 | [Redacted] | [Redacted] | 36572506 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Seller's [redacted] is missing in the available Purchase contract. | Reviewer Comment (2026-06-17): Signed purchase contract provided. Exception cleared. Buyer Comment (2026-06-17): Signed Buyer Comment (2026-06-16): Signed |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36572836 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is required to mitigate this exception. | Reviewer Comment (2026-06-17): Document provided [redacted] Buyer Comment (2026-06-15): LOE Reviewer Comment (2026-06-15): Provided Business Purpose Certificate address contains "[redacted]" and as per provided appraisal/ flood cert the address will not contain "[redacted]" and same will be corrected in Note/Security Instrument. Required corrected Business Purpose Certificate as pr corrected Note/ Security Instrument. Exception Remains. Buyer Comment (2026-06-11): BPL |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36572837 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | No document available for verification of identification. | Reviewer Comment (2026-06-05): Received Patriot Act Customer identification. Exception Cleared. Buyer Comment (2026-06-03): ID |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36572841 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Transaction is a cash-out refinance; however, there is no document stating cash-out utilization. | Reviewer Comment (2026-06-17): Document provided [redacted] Buyer Comment (2026-06-15): LOE Reviewer Comment (2026-06-15): Provided Business Purpose Certificate address contains "[redacted]" and as per provided appraisal/ flood cert the address will not contain "[redacted]" and same will be corrected in Note/Security Instrument. Required corrected Business Purpose Certificate as pr corrected Note/ Security Instrument. Exception Remains. Buyer Comment (2026-06-11): BPL |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36572846 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | 1025 Appraisal states address as [redacted]; however, Note states address as [redacted]. | Reviewer Comment (2026-06-26): Received note confirming that the subject address matches with the appraisal. Exception Cleared. Buyer Comment (2026-06-24): Note Reviewer Comment (2026-06-15): Provide note/security instrument document to verify the correct address. Buyer Comment (2026-06-11): Determined correct address is [redacted]. Appraisal is correct. [redacted] is in process of correcting the note and seci. Please clear this condition as the appraisal is correct. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36572847 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA states address as[redacted]; however, Note states address as [redacted]. | Reviewer Comment (2026-06-26): Received note confirming that the subject address matches with the CDA. Exception Cleared. Buyer Comment (2026-06-24): Note Reviewer Comment (2026-06-15): Provide note/security instrument document to verify the correct address. Buyer Comment (2026-06-11): Determined correct address is [redacted]. CDA is correct. Correspondent is in process of correcting the note and deed. Please clear this condition as the CDA is correct. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36572851 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Insurance states address as[redacted]; however, Note states address as [redacted]. | Reviewer Comment (2026-06-26): Received note confirming that the subject address matches with the Insurance. Exception Cleared. Buyer Comment (2026-06-24): Note Reviewer Comment (2026-06-15): Provide note/security instrument document to verify the correct address. Buyer Comment (2026-06-11): Determined correct address is [redacted]. Hazard is correct. [redacted] is in process of correcting the note and seci. Please clear this condition as the Hazard is correct. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36572852 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate states address as [redacted]; however, Note states address as [redacted]. | Reviewer Comment (2026-06-26): Received Flood Certificate. Exception Cleared. Buyer Comment (2026-06-24): Note Reviewer Comment (2026-06-15): Provide note/security instrument document to verify the correct address. Buyer Comment (2026-06-11): Flood Cert |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653143 | [Redacted] | [Redacted] | 36584194 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title reflects [redacted] title holders, however the security instrument only reflects [redacted] title holder. Copy of the deed removing Terrill would be required. | Reviewer Comment (2026-06-05): Received Deed. Exception Cleared. Buyer Comment (2026-06-03): Deed |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653167 | [Redacted] | [Redacted] | 36571857 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in this loan file. | Reviewer Comment (2026-07-13): Note Addendum - Prepayment, cleared Buyer Comment (2026-07-13): Please see attached Reviewer Comment (2026-06-02): Received prepayment rider to security instrument. Provide Note addendum to Prepayment Penalty. Exception Remains. Buyer Comment (2026-05-29): Please see attached. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 225653167 | [Redacted] | [Redacted] | 36571883 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC was not provided in this loan file. | Reviewer Comment (2026-06-02): Received fraud report. Exception cleared. Buyer Comment (2026-05-29): Please see attached Buyer Comment (2026-05-29): Please see attached. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225653412 | [Redacted] | [Redacted] | 36570910 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-22): Sufficient Cure Provided At Closing |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225653412 | [Redacted] | [Redacted] | 36589088 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Documentation to verify payment for [redacted] loan is not located in the file. | Reviewer Comment (2026-06-25): [redacted] CD received and updated. Buyer Comment (2026-06-23): [redacted] initial cd , taxes & ins upld, bpo is on [redacted], sales contract is on [redacted] |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225653412 | [Redacted] | [Redacted] | 36589095 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Documentation to verify funds used from the [redacted] loan is not located in the file. | Reviewer Comment (2026-06-25): [redacted] CD received and updated. Buyer Comment (2026-06-23): [redacted] initial cd , taxes & ins upld, bpo is on [redacted], sales contract is on [redacted] |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225653437 | [Redacted] | [Redacted] | 36571007 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance document is missing in the loan file. | Reviewer Comment (2026-06-16): Received mortgage statement for [redacted] with monthly payment of $[redacted] which includes taxes & insurance. Exception cleared. Buyer Comment (2026-06-14): Please see attached. Reviewer Comment (2026-06-10): From credit report we are unable to identify the mortgage payment has been escrowed or not. Please provide mortgage statement with bifurcation of P&I and Tax and insurance. Exception Remains. Buyer Comment (2026-06-08): The taxes and insurance on [redacted] are escrowed in the current mortgage payment, as documented with mortgage statement in the file. In addition, the mortgage on this property is FHA, which does not allow escrows to be waived. Please clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225653965 | [Redacted] | [Redacted] | 36593669 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance Verification, Tax Verification | Reviewer Comment (2026-06-16): Received Insurance Verification, Tax Verification along with payment receipt evidencing other party is making the payments for tax and insurance. Exception cleared. Buyer Comment (2026-06-15): Please see attached Quit Claim Deed to another party along with proof the other party is making the payments on the tax and insurance obligations |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225653965 | [Redacted] | [Redacted] | 36736878 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225655747 | [Redacted] | [Redacted] | 36570710 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing. Please provide a recent document. | Reviewer Comment (2026-06-25): Received E-sign consent agreement. Exception cleared. Buyer Comment (2026-06-24): proof econsent accepted upld |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225655747 | [Redacted] | [Redacted] | 36570725 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-25): Received title commitment policy with sufficient coverage amount. Exception cleared. Buyer Comment (2026-06-24): please see updated title on [redacted] with correct insured amount. |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225655747 | [Redacted] | [Redacted] | 36570748 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing in file. | Reviewer Comment (2026-06-25): Acknowledgment and Agreement section in 1003 signed by borrower. Exception cleared. Buyer Comment (2026-06-24): please see final 1003 / [redacted]: acknowledgements & agreements) |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225655747 | [Redacted] | [Redacted] | 36570785 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted]on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-06-25): [redacted] received rate lock for lock extension. Buyer Comment (2026-06-24): [redacted] lock upld, valid coc is on [redacted] |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225655747 | [Redacted] | [Redacted] | 36601318 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The final CD for the [redacted] loan to verify funds used for closing is not located in the file. | Reviewer Comment (2026-06-25): Received closing disclosure. Exception cleared. Buyer Comment (2026-06-24): bridge cd upld |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225655747 | [Redacted] | [Redacted] | 36601456 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final closing statement for the [redacted] loan to verify the P&I for the departing property is not located in the file. | Reviewer Comment (2026-06-25): Received closing disclosure. Exception cleared. Buyer Comment (2026-06-24): bridge cd upld to trl docs |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225655752 | [Redacted] | [Redacted] | 36573611 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | CPA letter was provided; however, the document date was not provided. | Reviewer Comment (2026-06-10): CPA Letter received with date and [redacted]. Exception cleared. Buyer Comment (2026-06-09): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225655752 | [Redacted] | [Redacted] | 36573638 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI issue based on the qualification method chosen. | Reviewer Comment (2026-06-15): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-06-12): The data compare matches. Please clear condition. Reviewer Comment (2026-06-02): Received updated 1008 however an updated bid tape for the DTI is required. Buyer Comment (2026-05-29): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225655752 | [Redacted] | [Redacted] | 36579974 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | It appears this property was recently refinanced with [redacted]. A copy of the final closing statement is missing, and the HOA verification is also missing. | Reviewer Comment (2026-06-15): Received required documentation. Condition cleared. Reviewer Comment (2026-06-10): Required HOA fee $[redacted] for the below mentioned REO Property. Provided document is not satisfied. Exception remains. Buyer Comment (2026-06-09): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225655752 | [Redacted] | [Redacted] | 36603522 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement for [redacted]mortgage | Reviewer Comment (2026-06-10): Mortgage statement received for the REO property address is verified.Exception cleared. Buyer Comment (2026-06-09): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225655802 | [Redacted] | [Redacted] | 36569185 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-25): Supplemental policy in loan amount of $[redacted] is present in file. Exception cleared. Buyer Comment (2026-06-24): please see title supplement on [redacted] |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225655802 | [Redacted] | [Redacted] | 36569190 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-25): Received E-sign Consent Agreement. Exception cleared. Buyer Comment (2026-06-24): proof econsent accepted upld |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225655802 | [Redacted] | [Redacted] | 36569241 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Reviewer Comment (2026-06-25): Signed final 1003 present in file. Exception cleared. Buyer Comment (2026-06-24): please see final 1003 on [redacted] / [redacted]: acknowledgements & agreements #[redacted] |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225655802 | [Redacted] | [Redacted] | 36569308 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Second Appraisal Fee was last disclosed as $[redacted]on the Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure | Reviewer Comment (2026-06-30): [redacted] received rebuttal and valid COC Buyer Comment (2026-06-26): aprsl was needed on depart property for reserves Buyer Comment (2026-06-26): aprsl invoice dated [redacted] upld, fee added on [redacted] le for aprsl on departure property. Reviewer Comment (2026-06-25): [redacted] received rebuttal comment however, as per file there is only [redacted] appraisal report in file. Please provide more information as to when the lender has received the information regarding requirement of [redacted] appraisal for departure property as the initial 1003 already shows that the borrower is going to leave his current residence and occupy the new property. Buyer Comment (2026-06-24): [redacted] frr of [redacted] was disclosed on the [redacted] LE, it was needed for the departure property, invoice upld |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225655802 | [Redacted] | [Redacted] | 36569309 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 the Loan Estimate but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. | Reviewer Comment (2026-07-23): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-21): pccd docs upld Reviewer Comment (2026-07-07): Rebuttal indicates new title fee itemization was received, however, the open TRID tolerance exception on this loan is for transfer taxes which is not a title fee and is subject to [redacted]% tolerance. Creditor is responsible for exercising diligence to obtain information to provide accurate estimates. With respect to the provision in [redacted] regarding Delayed Settlement date on a construction loan, the regulation provides the creditor may provide revised disclosures to the consumer with new fee estimates only if the LE has a disclosure that "state clearly and conspicuously that at any time prior to [redacted] days before consummation, the creditor may issue revised disclosures". This language was not found on the LE, accordingly, a valid changed circumstance is required to rebaseline transfer taxes, otherwise, a cure is required. [redacted] Delayed settlement date on a construction loan. In transactions involving new construction, where the creditor reasonably expects that settlement will occur more than [redacted] days after the disclosures required under paragraph [redacted] of this section are provided pursuant to paragraph [redacted] of this section, the creditor may provide revised disclosures to the consumer if the original disclosures required under paragraph [redacted] of this section state clearly and conspicuously that at any time prior to [redacted] days before consummation, the creditor may issue revised disclosures. If no such statement is provided, the creditor may not issue revised disclosures, except as otherwise provided in paragraph [redacted]of this section. Reviewer Comment (2026-07-07): [redacted] received LOE and COC, but it does not give sufficient information on why the transfer tax fee was increased as received fees from title is not valid reason for increase. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-07-06): rebuttal and supporting docs upld |
07/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225656745 | [Redacted] | [Redacted] | 36573694 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-06-17): E-Sign Consent Agreement received. Exception cleared. Buyer Comment (2026-06-16): e-consent |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225656764 | [Redacted] | [Redacted] | 36573818 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Underwriting Fee of [Redacted] was not disclosed on initial Loan Estimate. File does not contain a valid Changed of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-06-29): [redacted] Received Valid COC dated [redacted] along with supporting comments on the exception. Buyer Comment (2026-06-25): Please see attached Correspondence from LO. The program the initial loan was on ([redacted]) defaults to the $[redacted] Admin fee therefore, no break out is available. I have also attached screen shots to prove the program change from a Bond Loan to [redacted] Expanded. The COC is found in [redacted] in [redacted]. Due to the Valid COC a cure is not required. Reviewer Comment (2026-06-22): [redacted] received attestations for Admin fee bifurcation from initial LE to revised LE and overall under-disclosures but from the explanation provided we are unable to identify the exact fee portion for UW fee and Processing fee out of $[redacted] currently we are unable to identify which fee is underdisclosed by how much amount. Please provide more detailed information along with the cure documents for $[redacted]. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-06-19): Please see attached Attestation. Fee was initially named Administration Fee. This was for both Underwriting and Processing. The fee was later broken out to reflect $[redacted] for Underwriting and $[redacted] for Processing, a total of $[redacted]. The Administration fee was disclosed as $[redacted] and total fee ended up being a total of $[redacted] which is an under disclosure of $[redacted] without a valid COC. Please confirm this is valid before I update the PCCD and send a cure to the borrower. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225656764 | [Redacted] | [Redacted] | 36573819 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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 of [Redacted] was not disclosed on initial Loan Estimate. File does not contain a valid Changed of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-06-29): [redacted] Received Valid COC dated [redacted] along with supporting comments on the exception. Buyer Comment (2026-06-25): Please see attached Correspondence from LO. The program the initial loan was on ([redacted]) defaults to the $[redacted] Admin fee therefore, no break out is available. I have also attached screen shots to prove the program change from a Bond Loan to [redacted] Expanded. The COC is found in [redacted] in [redacted]. Due to the Valid COC a cure is not required. Reviewer Comment (2026-06-22): [redacted] received attestations for Admin fee bifurcation from initial LE to revised LE and overall under-disclosures but from the explanation provided we are unable to identify the exact fee portion for UW fee and Processing fee out of $[redacted] currently we are unable to identify which fee is underdisclosed by how much amount. Please provide more detailed information along with the cure documents for $[redacted]. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-06-19): Please see attached Attestation. Fee was initially named Administration Fee. This was for both Underwriting and Processing. The fee was later broken out to reflect $[redacted] for Underwriting and $[redacted] for Processing, a total of $[redacted]. The Administration fee was disclosed as $[redacted] and total fee ended up being a total of $[redacted] which is an under disclosure of $[redacted] without a valid COC. Please confirm this is valid before I update the PCCD and send a cure to the borrower. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225656764 | [Redacted] | [Redacted] | 36573821 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Verification Fee of [Redacted] was not disclosed on Loan Estimate. File does not contain a valid Changed of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-07-13): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-09): Please see attached cure check, PCCD, Cover letter and proof [redacted] delivered. |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225656777 | [Redacted] | [Redacted] | 36573499 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on LE but disclosed as [Redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-16): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-06-15): Please reference final CD that already reflects a lender credit for $[redacted] to cure this violation. Please Cancel |
06/16/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225656777 | [Redacted] | [Redacted] | 36573500 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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 LE but disclosed as [Redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-22): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-19): Please see attached PCCD, Cover Letter, Cure check and proof [redacted] Delivered. |
06/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225657284 | [Redacted] | [Redacted] | 36573643 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Appraisal Fee disclosed on LE as [Redacted] and then on final CD as [Redacted] . No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-25): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-24): pccd docs upld |
06/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225657284 | [Redacted] | [Redacted] | 36580013 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement not provided for property located at [Redacted] , [Redacted]. | Reviewer Comment (2026-06-26): [redacted] CD received. Buyer Comment (2026-06-24): [redacted] cd upld Reviewer Comment (2026-06-23): Required Closing disclosure of [redacted]. Exception remains. Buyer Comment (2026-06-19): Property report |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225657299 | [Redacted] | [Redacted] | 36610160 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The status of the [redacted] mortgage was not located in the file. This appears to be a delinquency issue. The most recent [Redacted] month payment history is missing. | Reviewer Comment (2026-06-18): Received Loan Payoff statement and Verification of loan. Exception Cleared. Buyer Comment (2026-06-16): Docs |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657324 | [Redacted] | [Redacted] | 36573795 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The file contains an estimated closing statement only. The final executed HUD is required. | Reviewer Comment (2026-06-18): Final HUD/CD, cleared Buyer Comment (2026-06-17): Final Settlement statement |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657376 | [Redacted] | [Redacted] | 36604215 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | No valid change of circumstance in file for the added fee and no evidence of a tolerance cure. | Reviewer Comment (2026-06-19): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted] along with email communication from title. Buyer Comment (2026-06-18): [redacted] from title Reviewer Comment (2026-06-17): [redacted] received PCCD and LOE, however we are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee, then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-16): PCCD & LOX |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225657419 | [Redacted] | [Redacted] | 36575686 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [Redacted] days of application. | ARM loan program disclosure dated [Redacted]. Application date shown as [Redacted] | Reviewer Comment (2026-06-17): LE's dated [redacted] & [redacted] showing the loan was floating as a fixed rate loan. [redacted] LE dated [redacted] shows loan locked as a [redacted] ARM. ARM Disclosure went out on same date. Buyer Comment (2026-06-16): Please refer to the LE's dated [redacted] & [redacted] showing the loan was floating as a fixed rate loan. [redacted] LE dated [redacted] shows loan locked as a [redacted] ARM. ARM Disclosure went out on same date. |
06/17/2026 | 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 | Non QM | Non QM | No | |||||||||
| 225657419 | [Redacted] | [Redacted] | 36575687 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [Redacted]( [Redacted]) days of application. | CHARM Booklet dated [Redacted]. Application date shown as [Redacted]. | Reviewer Comment (2026-06-17): LE's dated [redacted] & [redacted] showing the loan was floating as a fixed rate loan. [redacted] LE dated [redacted] shows loan locked as a [redacted] ARM. ARM Disclosure went out on same date. Buyer Comment (2026-06-16): Please refer to the LE's dated [redacted] & [redacted] showing the loan was floating as a fixed rate loan. [redacted] LE dated [redacted] shows loan locked as a [redacted] ARM. ARM Disclosure went out on same date. |
06/17/2026 | 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 | Non QM | Non QM | No | |||||||||
| 225657680 | [Redacted] | [Redacted] | 36610708 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | File contains a mortgage payoff, however the closing statement reflects [Redacted] different payoffs which do not [Redacted] the total payoff in the file. Please provide details of all [Redacted] payoffs and the status of each loan. | Reviewer Comment (2026-06-24): Mortgage payoff statement provided. Exception cleared. Buyer Comment (2026-06-23): Final payoff |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225658319 | [Redacted] | [Redacted] | 36579261 | Credit | Credit | Credit Eligibility | Credit | Refi Purpose reflects Rate/Term and cash out is greater than the lesser of [Redacted] of the loan amount or [Redacted]. | Approval indicates transaction is a No-Cash out refinance, however borrower is receiving more than [Redacted] and/or [Redacted] cash back. | Reviewer Comment (2026-06-18): Per guidelines cash back amount of $[redacted] or below is considered Rate & Term, exception cleared Buyer Comment (2026-06-17): Guides state cash back to be $[redacted] or below for [redacted] which the cash back is in this case |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225658321 | [Redacted] | [Redacted] | 36580316 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not found in file. | Reviewer Comment (2026-06-29): Final title with sufficient coverage, cleared |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225658321 | [Redacted] | [Redacted] | 36580325 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy amount is less than the Original Note Loan amount. | Reviewer Comment (2026-06-29): Final title with sufficient coverage, cleared Buyer Comment (2026-06-29): Please see attached title policy showing policy amount of $[redacted] |
06/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225660086 | [Redacted] | [Redacted] | 36576597 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-18): Title Supplemental report received in loan amount of $[redacted]. Buyer Comment (2026-06-16): Please see PCCD showing the breakout of the fees for [redacted]. Fees remain the same however are just showing on the disclosure now. $[redacted] is [redacted] (Transfer Tax). This was previously not disclosed due to this being a C/O Refinance however the other co-owners ended up quit-claiming their interest of the property to the borrower at close (see [redacted]- starting on [redacted] page) which triggered the requirement for the transfer tax. COC Attached Buyer Comment (2026-06-16): : Please see page [redacted] of [redacted] that document is a Title Supplement showing a policy amount of $[redacted] |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225660086 | [Redacted] | [Redacted] | 36576644 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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] fee violation due to an increase in the Recording fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-07-02): [redacted] received rebuttal comment and as per COC. Deed is required to transfer ownership and also corrected PCCD and LOE provided with fee bifurcation. Buyer Comment (2026-06-30): The QCD dated [redacted] and recorded [redacted] was not a part of this transaction. That QCD is the borrower acting as the personal Representative and adding [redacted] and [redacted] onto title. The QCD related to the subject transaction is dated [redacted] recorded [redacted] where [redacted] and [redacted] grants to borrower as an individual. Please also see the Excise Tax Affidavit spelling out the total amount due which is also dated [redacted] Reviewer Comment (2026-06-24): [redacted] agreed, based on the attached LOX, that the fee was added on the [redacted] CD due to the QCD transfer. However, the [redacted] document in the loan file was completed on [redacted], and there is no supporting QCD documentation within the required timeframe to justify adding the fee on [redacted]. Please provide supporting documentation outlining the QCD timeline to enable reevaluation and re-baselining of this exception. Buyer Comment (2026-06-23): Please see attached rebuttal. Reviewer Comment (2026-06-19): [redacted] received Letter of explanation, corrected CD and COC dated [redacted] for the Transfer taxes (Exise tax fee) required to added due to QCD transferred. However, the fee was added on Post CD dated [redacted]. Fee cannot be re-baselined for increase/added of fee post-closing by a COC. Additionally, the recording fee disclosed of $[redacted] on [redacted] PCCD, which increase of $[redacted] from baseline ($[redacted] + [redacted]% ($[redacted]) = $[redacted] - $[redacted]). Please provide refund cure of $[redacted] ([redacted]% $[redacted] + $[redacted] Exise tax). Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-17): Please see PCCD showing the breakout of the fees for [redacted]. Fees remain the same however are just showing on the disclosure now. $[redacted] is [redacted] (Transfer Tax). This was previously not disclosed due to this being a C/O Refinance however the other co-owners ended up quit-claiming their interest of the property to the borrower at close (see [redacted]- starting on [redacted] page) which triggered the requirement for the transfer tax. COC Attached |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225660087 | [Redacted] | [Redacted] | 36576596 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Provided [Redacted] month bank statement required [Redacted] more month bank statement | Reviewer Comment (2026-06-18): Bank statement covering [redacted] month period is acceptable as per LP approved file. Exception Cleared. Buyer Comment (2026-06-16): Per LP only [redacted] month is required. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225660089 | [Redacted] | [Redacted] | 36586960 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI variance. Lenders DTI: [Redacted] . Review DTI: [Redacted] . DTI variance is due to lender not considering annual insurance premium of [Redacted] into their DTI calculation. | Reviewer Comment (2026-06-18): Received revised 1008. Exception cleared. Buyer Comment (2026-06-16): 1008 |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225661798 | [Redacted] | [Redacted] | 36582765 | 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 (2026-06-24): Updated Title Commitment document received and information updated. Exception Cleared. Buyer Comment (2026-06-23): Please see attached updated title |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225661798 | [Redacted] | [Redacted] | 36582774 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure was missing from the file. | Reviewer Comment (2026-06-24): Final Closing Statement received and associated. Exception Cleared. Buyer Comment (2026-06-23): Please see attached CD that title company used to close. They did not do a Settlement statement or ALTA, just the CD. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225661800 | [Redacted] | [Redacted] | 36583175 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the insurance verification for REO, [Redacted]. | Reviewer Comment (2026-06-26): Provided insurance verification. Exception cleared. Buyer Comment (2026-06-25): HOI found in [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225661800 | [Redacted] | [Redacted] | 36583177 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-30): Received title commitment with correct loan amount $[redacted] Exception cleared. Buyer Comment (2026-06-26): Please see attached title with the correct policy amount of $[redacted] |
06/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225661801 | [Redacted] | [Redacted] | 36625774 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Witness section of the security instrument was not completed. | Reviewer Comment (2026-06-05): Witness section is not required for [redacted] state. Exception Cleared. Buyer Comment (2026-06-04): . Buyer Comment (2026-06-03): witnesses aren't required on [redacted] closings |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225661801 | [Redacted] | [Redacted] | 36625842 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | File is missing the source of funds for the EMDs for [Redacted] and [Redacted]. | Reviewer Comment (2026-06-09): Received bank statement and wire confirmation for both the EMDs. Exception Cleared Buyer Comment (2026-06-08): [redacted] is the source of the $[redacted] showing both the [redacted] and the [redacted] amount which you can match to their bank account on page [redacted] in [redacted]. Reviewer Comment (2026-06-05): The document provided verifies only the EMD of $[redacted]. However, we require the source of funds for both EMD amounts of $[redacted] and $[redacted], supported by bank statements and an English-translated document. Exception Remains. Buyer Comment (2026-06-04): source for [redacted] |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225661805 | [Redacted] | [Redacted] | 36583169 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [Redacted]. | Reviewer Comment (2026-06-10): Received Underwriting worksheet. Exception Cleared. Buyer Comment (2026-06-09): DSCR Calc, 1007 Buyer Comment (2026-06-09): [redacted] respectfully disagrees with [redacted] DSCR score. [redacted] is using whole gross rent and not taking [redacted]% haircut for short-term property. Please see DSCR calculation & 1007 for supporting documentation [redacted] / [redacted] = [redacted]; $[redacted] x [redacted] = $[redacted]; $[redacted] / $[redacted]= [redacted] |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 225661805 | [Redacted] | [Redacted] | 36630094 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for delinquent houisng payment. Housing history not to exceed [Redacted]. The approval requires max [Redacted] LTV however the calculated LTV is [Redacted]. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-03): Please see excpetion. Please clear condition. |
06/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225661805 | [Redacted] | [Redacted] | 36630103 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provied for borrower to have [Redacted] mo landlord history. The approval requires max [Redacted] LTV however the calculated LTV is [Redacted]. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-03): Please see excpetion. Please clear condition. |
06/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225661805 | [Redacted] | [Redacted] | 36630116 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for all applicants on DSCR to have a minimum of [Redacted] tradelines. The approval requires max [Redacted] LTV however the calculated LTV is [Redacted]. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-03): Please see excpetion. Please clear condition. |
06/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225661805 | [Redacted] | [Redacted] | 36630121 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Landlord exception approval provided for non-warrantable condo. The approval requires max [Redacted] LTV however the calculated LTV is [Redacted]. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-05): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-03): Please see excpetion. Please clear condition. |
06/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225661806 | [Redacted] | [Redacted] | 36612309 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Witness section of the security instrument was not completed. | Reviewer Comment (2026-06-26): Received [redacted] confirmation from Escrow stating witnesses are not required on mortgages in [redacted]. Exception cleared. Buyer Comment (2026-06-25): title [redacted] confirming witnesses are not required to sign mortgages in [redacted] upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225661806 | [Redacted] | [Redacted] | 36612409 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The [Redacted] indicates and lender exception was created/approved. The exception form, approval and comp factors was not included in the file. Lender approved exception for active NOD w/ foreclosure started. This was from previous owner. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Proven Landlord history |
SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-06-26): Client elects to waive with compensating factors. Buyer Comment (2026-06-24): exception upld |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| 225661806 | [Redacted] | [Redacted] | 36612429 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved loan as a rate/term refinance, however borrower received approximately [Redacted] | Reviewer Comment (2026-06-26): Per final losing statement, borrower is bringing cash to close in the amount of $[redacted] as a result of rate/term refinance. Exception cleared. Buyer Comment (2026-06-24): bwr lox and support docs upld to trl docs |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225661806 | [Redacted] | [Redacted] | 36612460 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title shows foreclosure, lawsuit and [Redacted] mortgages. Evidence is required these are all satisfied. | Reviewer Comment (2026-07-21): Received proof that case no [redacted] is closed, exception cleared Buyer Comment (2026-07-20): proof case closed upld Reviewer Comment (2026-07-14): Received order cancelling the foreclosure with case number [redacted] which was for mortgage lien of $[redacted]. Require evidence for lien release for mortgage amount of $[redacted]. Exception remains. Buyer Comment (2026-07-13): recorded cancellation upld Reviewer Comment (2026-07-01): Per referenced document with ID [redacted], amount of $[redacted] should be paid on or before [redacted], towards [redacted]. Require confirmation for the payment and proof for title will not reflect [redacted] [redacted]. Exception remains. Buyer Comment (2026-06-29): please see attorney email [redacted], judgement [redacted] and pay off [redacted] Reviewer Comment (2026-06-26): Received lawsuit information, however we will need evidence all of these title issues have been resolved. Buyer Comment (2026-06-24): bwr lox and support docs upld |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225662301 | [Redacted] | [Redacted] | 36582688 | 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 [Redacted] ([Redacted]) 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. | Loan Estimate not delivered to Borrower(s) within [Redacted] ([Redacted]) 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. | Reviewer Comment (2026-06-04): [redacted] Received earliest E-Consent dated [redacted]. Buyer Comment (2026-06-03): Please see attached. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225662301 | [Redacted] | [Redacted] | 36582690 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | [Redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-06-10): Survey does not appear to have been required by the lender or title. Reviewer Comment (2026-06-08): [redacted] acknowledged that the below comment. However, we also required supporting evidence as to why the fee was moved to one section to another section. If the service is optional (borrower chosen and not required by title or lender) and the survey completed on their own, then please provide attestation letter for the same in order to clear this exception. Buyer Comment (2026-06-05): The survey fee is a borrower elected fee. Please clear condition. Reviewer Comment (2026-06-04): [redacted] ReceivedCorrected PCCD and LOE moving fee to [redacted]; however, unable to determine from the file whether the lender or title company required the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-03): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225662301 | [Redacted] | [Redacted] | 36626010 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The appraisal for the departing property is not located in the file. | Reviewer Comment (2026-06-09): Received appraisal for departure residence. Exception cleared. Buyer Comment (2026-06-05): Please see attached. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225662313 | [Redacted] | [Redacted] | 36582726 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | Survey Fee was last disclosed as [Redacted] on Loan Estimate but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-06-22): [redacted] received LOX. Buyer Comment (2026-06-19): PCCD, LOX and email from title |
06/22/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225662942 | [Redacted] | [Redacted] | 36586553 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax insurance verification and HOA documents are missing. | Reviewer Comment (2026-06-25): Tax & insurance verification received & associated. Exception cleared. Buyer Comment (2026-06-24): Hazard and tax Reviewer Comment (2026-06-18): Required Insurance verification for property [redacted], Also required Tax Verification and Insurance Verification for property [redacted]. Exception remains Buyer Comment (2026-06-17): Property docs. Removed [redacted] loan for [redacted] as it was withdrawn. Updated 1008/1003 |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225662942 | [Redacted] | [Redacted] | 36586627 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing. | Reviewer Comment (2026-06-18): Received Hazard Insurance Policy. Exception cleared Buyer Comment (2026-06-17): Hazard |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225663231 | [Redacted] | [Redacted] | 36582705 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Reviewer Comment (2026-06-05): PUD Rider document received and associated. Exception Cleared. Buyer Comment (2026-06-04): Please see attached. Thank you! Buyer Comment (2026-06-04): Please see PUD attached. Thank you! |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225663231 | [Redacted] | [Redacted] | 36626187 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The [Redacted] AVM fee was added to the [Redacted] Closing Disclosure without a valid change in circumstance specific to the fee increase. Cure of [Redacted] required | Reviewer Comment (2026-06-15): [redacted] received supporting document for the program changed to add the AVM fee. Buyer Comment (2026-06-11): please see [redacted] & [redacted] locks for program change, Reviewer Comment (2026-06-11): [redacted]: No new document received to support the loan program changed to add the AVM. Provide documentation of timeline for the program changed to order the AVM and to provide supporting information on when lender become aware of the AVM valuation was required or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-06-09): please clear, tthe provided docs confirm the program changed from [redacted] Agency Conforming to [redacted] Expanded Elite - Full Doc [redacted] SOFR ARM I/O which required an [redacted]. Reviewer Comment (2026-06-08): [redacted] received COC stating "Loan program has changed".However, we would additional information about the loan program changed in order to clear the exception. Buyer Comment (2026-06-05): avm invoice upld, the valid coc is on [redacted] and lock is on [redacted], the fee was added due to a program change. |
06/15/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225663392 | [Redacted] | [Redacted] | 36583431 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee of [Redacted] was not disclosed on initial LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-19): [redacted] received rebuttal and COC dated [redacted] Buyer Comment (2026-06-17): Please see attached screen shots: Borrower was initially floating on [redacted] Agency conforming [redacted] year fixed and did not require a Review Appraisal as UCDP scores did not require. At Borrower's request, program changed to [redacted] Jumbo AUS [redacted] year Fixed on [redacted]. At that time a COC was issued [redacted] and a new LE was generated ([redacted]). This program required a review appraisal, so the CDA was ordered. When Borrower was ready to lock their rate, they decided to go back to the terms of the [redacted] Agency conforming [redacted] year fixed and CDA was no longer needed however the service had already been performed and completed therefore the fee remained |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225663397 | [Redacted] | [Redacted] | 36583181 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Require a title policy with a loan amount of [Redacted]. | Reviewer Comment (2026-06-18): Received Title Commitment with policy amount $[redacted]. Exception cleared Buyer Comment (2026-06-17): title commitment |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CT | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225668155 | [Redacted] | [Redacted] | 36583021 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/ Closing Disclosure/ Closing statement not provided in file. | Reviewer Comment (2026-06-09): Received final closing statement. Exception Cleared. Buyer Comment (2026-06-08): [redacted] Reviewer Comment (2026-06-05): Borrower signed final closing statement is required. Exception remains Buyer Comment (2026-06-03): CDs not required on this transaction. exempted from TRID |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225668820 | [Redacted] | [Redacted] | 36583357 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing documentation for pension income used to qualify in the amount of [Redacted]. | Reviewer Comment (2026-06-25): Lender removed [redacted]. Buyer Comment (2026-06-24): Please see attached 1008/1003 removing the [redacted] income and updating all other income streams to match income worksheet completed by u/w. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225668820 | [Redacted] | [Redacted] | 36583391 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy is due to missing documentation for pension income used to qualify in the amount of [Redacted]. | Reviewer Comment (2026-06-25): Received updated information. Cleared. Buyer Comment (2026-06-24): Please see attached 1008/1003 removing the [redacted] income and updating all other income streams to match income worksheet completed by u/w. |
06/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225668820 | [Redacted] | [Redacted] | 36583412 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | ATR failure is due to missing documentation for pension income used to qualify in the amount of [Redacted]. | Reviewer Comment (2026-06-26): 1003 provided considered [redacted] income for DTI calculation. Exception cleared. Buyer Comment (2026-06-25): There is not a DTI issue. Please relook at the income. You have apx $[redacted] calculated but are only using $[redacted]. Please explain if there is a reason why some of the verified income is not being used. Reviewer Comment (2026-06-25): Failure due to discrepancy in DTI due to removal of [redacted]. Buyer Comment (2026-06-24): Please see attached 1008/1003 removing the [redacted] income and updating all other income streams to match income worksheet completed by u/w. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225668820 | [Redacted] | [Redacted] | 36583413 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Survey fee was last disclosed as [Redacted] on the Loan Estimate, but was disclosed as [Redacted] on the Final Closing Disclosure. No valid Change of Circumstance was provided for this change, nor evidence of cure. | Reviewer Comment (2026-06-26): [redacted] received Post CD and LOX. Buyer Comment (2026-06-25): Please see Correspondence from Title confirming survey was required by them in order to issue title policy and PCCD moving the Survey Fee from [redacted] to [redacted]. I have also attached a copy of the Cover Letter sent to the borrower along with the PCCD. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225668820 | [Redacted] | [Redacted] | 36824755 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] Most Recent Tax Return End Date [Redacted] , Tax Return Due Date [Redacted]. | EV2 citing for informational purposes only. May be waived. | Buyer Comment (2026-06-30): OK to waiver per [redacted] Reviewer Comment (2026-06-29): Citing is an [redacted] for informational purposes only. Client may waive. Buyer Comment (2026-06-25): All [redacted] tax extensions for business and personal returns are all already in Acuity. |
06/30/2026 | No | 2 | B | B | B | B | B | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225668820 | [Redacted] | [Redacted] | 36824812 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted] (c)(5) of [Redacted] significantly exceeds the guideline maximum of [Redacted]. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | Per lenders rebuttal, the pension income was removed. All other income matches lenders figures as outlined on the final/updated [Redacted], however the lower income is causing a DTI discrepancy. | Reviewer Comment (2026-06-26): 1003 provided considered [redacted] income for DTI calculation. Exception cleared. Buyer Comment (2026-06-25): There is not a DTI issue. Please relook at the income. You have apx $[redacted] calculated but are only using $[redacted]. Please explain if there is a reason why some of the verified income is not being used. |
06/26/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225668820 | [Redacted] | [Redacted] | 36824817 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Per lenders rebuttal, the pension income was removed. All other income matches lenders figures as outlined on the final/updated [Redacted], however the lower | Reviewer Comment (2026-06-26): 1003 provided considered [redacted] income for DTI calculation. Exception cleared. Buyer Comment (2026-06-25): There is not a DTI issue. Please relook at the income. You have apx $[redacted] calculated but are only using $[redacted]. Please explain if there is a reason why some of the verified income is not being used. |
06/26/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225669501 | [Redacted] | [Redacted] | 36588869 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-29): Received e-sign consent. Exception cleared. Buyer Comment (2026-06-25): proof econsent accepted and that initial disclosures were also mailed regular mail upld |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225669501 | [Redacted] | [Redacted] | 36588891 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] | Secondary valuation required for securitization is missing. | Reviewer Comment (2026-06-29): Received UCDP. Exception cleared. Buyer Comment (2026-06-25): ucdp upld, core is under [redacted], [redacted] valuation not required. |
06/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225669501 | [Redacted] | [Redacted] | 36588910 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance policy is missing. | Reviewer Comment (2026-06-29): Received hazard policy. Exception cleared. Buyer Comment (2026-06-25): hoi upld |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225669501 | [Redacted] | [Redacted] | 36588916 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] or Final Disclosure APR of [Redacted] is equal to or greater than the threshold of APOR [Redacted] + [Redacted], or [Redacted]. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery [Redacted] days prior to closing. | Reviewer Comment (2026-06-29): Received appraisal notice. Exception cleared. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225669501 | [Redacted] | [Redacted] | 36588917 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Appraisal report dated [Redacted] is missing evidence of borrower receipt. | Reviewer Comment (2026-06-29): Received appraisal notice. Exception cleared. Buyer Comment (2026-06-25): aprsl reveived email upld |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225669817 | [Redacted] | [Redacted] | 36603418 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([Redacted]) not provided | Reviewer Comment (2026-06-18): Cleared. Received required documents. Buyer Comment (2026-06-17): Rental docs |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225669954 | [Redacted] | [Redacted] | 36589892 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.[Redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-06-19): Fiel review provided supports the primary appraisal value. Exception cleared. Buyer Comment (2026-06-18): see [redacted] this supports the value |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | NY | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | N/A | No | ||||||||||||||
| 225669959 | [Redacted] | [Redacted] | 36589974 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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] Percent Fee Tolerance exceeded. Recording fees and other taxes have been increased from [Redacted] to [Redacted] in the Loan Estimate dated [Redacted], 2nd line. | Reviewer Comment (2026-07-06): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-02): PCCD with cure . Sent out today |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225669959 | [Redacted] | [Redacted] | 36590143 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Lender Exception - Accept Private VOR, provided VOR is from an individual. Compensating Factor - Loan-to-value [Redacted] or more under the requirement, FICO [Redacted] points or more above the requirement, Total Debt [Redacted] or more above the requirement, Minimal Consumer Debt. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-30): Client elects to waive with compensating factors. Buyer Comment (2026-06-26): Exception |
06/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225669966 | [Redacted] | [Redacted] | 36589874 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | There is no date provided in the LOE document for the business [Redacted] and [Redacted]. | Reviewer Comment (2026-06-15): Received trail document of LOE. Exception cleared. Buyer Comment (2026-06-12): We received the LOE on [redacted]. Please see the attached email trail Reviewer Comment (2026-06-08): Letter of explanation (Doc ID [redacted]) regarding deposits is not having a date in the document. Unable to verify when it was received. Exception remains. Buyer Comment (2026-06-04): [redacted] is the email trail from the CPA dating the CPA letter |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225669966 | [Redacted] | [Redacted] | 36589878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted] ): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | There is no date provided in the LOE document for the business [Redacted] and [Redacted]. | Reviewer Comment (2026-06-15): Received trail document of LOE. Exception cleared. |
06/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225669966 | [Redacted] | [Redacted] | 36589879 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | There is no date provided in the LOE document for the business [Redacted] and [Redacted]. | Reviewer Comment (2026-06-15): Received trail document of LOE. Exception cleared. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225669967 | [Redacted] | [Redacted] | 36589864 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Require HOA document in file. | Reviewer Comment (2026-07-16): Cleared. Received HOA documentation. Buyer Comment (2026-07-14): The provided property report shows the amount of the insurance. The LOX and the statement shows that the client pays $[redacted] monthly for HOA + Taxes. This is sufficent to clear the condition. Reviewer Comment (2026-07-13): Provided property report does not verify the Tax and HOA amount of [redacted], Invoice shows total HOA of $[redacted] while we have LOX from borrower showing $[redacted] is combination of HOA dues and taxes. Document provided is of [redacted]. Buyer Comment (2026-07-09): Please see attached monthly statement for the HOA and the tax information. Please clear condition. Reviewer Comment (2026-06-15): Doc ID: [redacted]states total of HOA and tax amounts is $[redacted] which does not specify monthly HOA. Tax document id:[redacted] does not verify property address. Please provide an HOA and Tax document confirming the monthly HOA & tax amount for the property [redacted]. Exception remains. Buyer Comment (2026-06-11): Please see attached. The LOX explains the HOA. Please clear condition. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225670024 | [Redacted] | [Redacted] | 36589938 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in the loan file. | Reviewer Comment (2026-06-22): Fraud Report, cleared Buyer Comment (2026-06-20): Please see full fraud report attached. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670026 | [Redacted] | [Redacted] | 36590974 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Recording fees of [Redacted] exceed the tolerance of [Redacted] plus [Redacted] or [Redacted] . This is [Redacted] over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-06): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-02): pccd docs with cure and proof of delivery uploaded Reviewer Comment (2026-06-25): [redacted] received rebuttal, however cure provided at closing is $[redacted] and cure required is $[redacted]($[redacted] for appraisal fee and $[redacted] for recording fee increase). Please provide valid COC for increase or additional cure of $[redacted] is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-24): please cancel, this was cured at closing on final cd |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225670026 | [Redacted] | [Redacted] | 36590975 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Appraisal Fee Amount of [Redacted] exceeds the tolerance of [Redacted] . This is [Redacted] over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-06): [redacted] received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-07-02): pccd docs with cure and proof of delivery uploaded Reviewer Comment (2026-06-26): [redacted] received rebuttal stating cure of $[redacted] which is provided on Final CD is for Appraisal fee and also for [redacted]% tolerance cure. However, the total cure required to cure both the exceptions are $[redacted] the cure provided on Final CD is insufficient. Kindly provide additional cure of $[redacted] along with cure documents Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-25): please clear, $[redacted] of the final cd cure was for the appraisal fee increase Reviewer Comment (2026-06-25): [redacted] received rebuttal, however cure provided at closing is $[redacted] and cure required is $[redacted]($[redacted] for appraisal fee and $[redacted] for recording fee increase). Please provide valid COC for increase or additional cure of $[redacted] is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-24): please cancel, this was cured at closing on final cd |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225670026 | [Redacted] | [Redacted] | 36601128 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Guidelines require a purchase contract or letter of intent to sell for [Redacted] property. Neither was found in file. | Reviewer Comment (2026-06-26): Listing Agreement is provided for the REO property [redacted]. Exception cleared. Buyer Comment (2026-06-25): listing agree upld Reviewer Comment (2026-06-25): Letter of intent to sell the property or Listing agreement is required to exclude from DTI. Exception remains. Buyer Comment (2026-06-24): [redacted] cd and note were provided in loan file [redacted] & [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225670286 | [Redacted] | [Redacted] | 36590117 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted] Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was disclosed on initial Loan Estimate as [Redacted] but disclosed on final Closing Disclosure [Redacted] . File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-06-18): [redacted] received a valid COC. Buyer Comment (2026-06-17): RLE with COC |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225670286 | [Redacted] | [Redacted] | 36590118 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was disclosed on initial Loan Estimate as $[Redacted]but disclosed on final Closing Disclosure [Redacted] . File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-06-18): [redacted] received a valid COC. Buyer Comment (2026-06-17): RLE with COC |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225670661 | [Redacted] | [Redacted] | 36591081 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Appraisal 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 (2026-06-22): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-19): This is credited to the borrower on the final cd |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225670661 | [Redacted] | [Redacted] | 36776665 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] 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 (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | WA | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225670664 | [Redacted] | [Redacted] | 36608705 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provided corporate resolution was not executed. | Reviewer Comment (2026-06-22): Corporate Resolution, cleared Buyer Comment (2026-06-20): Please see attached signed Corporate Resolution |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670682 | [Redacted] | [Redacted] | 36590218 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data discrepancy with DTI. Calculated DTI is [Redacted]; tape data reflects DTI [Redacted]. | Reviewer Comment (2026-06-17): As per provided 1008 document and HTI & DTI matches with system. Exception Cleared. Buyer Comment (2026-06-16): The data compare screen has now been updated. Please clear condition. Reviewer Comment (2026-06-05): The Data Compare screen continues to reflect a DTI of [redacted]%; this needs to be corrected. The exception remains outstanding. Buyer Comment (2026-06-03): Please see updated 1008 to clear condition. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225670743 | [Redacted] | [Redacted] | 36606098 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy not provided in file. | Reviewer Comment (2026-06-18): Hazard insurance policy and RCE, cleared Buyer Comment (2026-06-17): Hazard |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225670831 | [Redacted] | [Redacted] | 36590675 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-warrantable - No Reserves, Incomplete Critical, LTV [Redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-06): Client elects to waive with compensating factors. Reviewer Comment (2026-06-06): Lender exception received for non-warrantable condo due to no reserves, incomplete critical repairs, and deed restricted property. Buyer Comment (2026-06-05): exception |
06/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225670873 | [Redacted] | [Redacted] | 36606445 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] or Final Disclosure APR of [Redacted] is equal to or greater than the threshold of APOR [Redacted] + [Redacted] , or [Redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-26): Application date corrected. Buyer Comment (2026-06-24): This appears to be a [redacted] for condition [redacted]. Please note that the 1003 dated [redacted] was done with a [redacted] property address therefore this is not considered a valid application date. A Valid mortgage application date is established when you submit the [redacted] required pieces of information. [redacted] of those items are Property Address and Estimate of Property Value without these items this is not a valid application. Please see application in [redacted] that includes the property address along with the other [redacted] required points for a valid application. Actual Application date is considered [redacted]. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225670873 | [Redacted] | [Redacted] | 36606447 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [Redacted] ([Redacted]) business days of application. | Reviewer Comment (2026-06-26): [redacted] received rebuttal comment and upon further review the the application date is [redacted] as per 1003 ([redacted]), Sales contract and title commitment. Buyer Comment (2026-06-24): Please note that the 1003 dated [redacted] was done with a [redacted] property address therefore this is not considered a valid application date. A Valid mortgage application date is established when you submit the [redacted] required pieces of information. [redacted] of those items are Property Address and Estimate of Property Value without these items this is not a valid application. Please see application in [redacted] that includes the property address along with the other [redacted] required points for a valid application. Actual Application date is considered [redacted]. LE was sent on the [redacted]. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225670873 | [Redacted] | [Redacted] | 36606452 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [Redacted] days of the loan application date. | The right to receive a copy of the appraisal disclosure within [redacted] days of the loan application date was not found in the file. | Reviewer Comment (2026-06-26): Application date corrected. Buyer Comment (2026-06-24): Valid application date is [redacted]. And Right to Receive a Copy of the Appraisal ([redacted]) is dated [redacted]. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225670873 | [Redacted] | [Redacted] | 36610039 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Borrower has [Redacted] ownership in business; therefore, assets of [Redacted] are available to borrower. | Reviewer Comment (2026-06-30): Lender exception approved for [redacted] months reserves. Cleared. Reviewer Comment (2026-06-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. Buyer Comment (2026-06-25): The POC appraisal fee of $[redacted] cleared borrowers [redacted] acct #[redacted] on [redacted]. With these funds we have [redacted] months PITI. See attached Approved Exception allowing for [redacted] months reserves. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225670873 | [Redacted] | [Redacted] | 36610055 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan is short reserves due to business funds of [Redacted] are being utilized, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. | Reviewer Comment (2026-06-30): Lender exception approved for [redacted] months reserves. Cleared. Buyer Comment (2026-06-25): The POC appraisal fee of $[redacted] cleared borrowers [redacted] acct #[redacted] on [redacted]. With these funds we have [redacted] months PITI. See attached Approved Exception allowing for [redacted] months reserves. |
06/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OR | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225670873 | [Redacted] | [Redacted] | 36610056 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Borrowers are short reserves due to business funds of [Redacted] being utilized. | Reviewer Comment (2026-06-30): Lender exception approved for [redacted] months reserves. Cleared. Buyer Comment (2026-06-25): The POC appraisal fee of $[redacted] cleared borrowers [redacted] acct #[redacted] on [redacted]. With these funds we have [redacted] months PITI. See attached Approved Exception allowing for [redacted] months reserves. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225670873 | [Redacted] | [Redacted] | 36849086 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [Redacted] months reserves vs the [Redacted] months required per guides. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-30): Client elects to waive with compensating factors. |
06/30/2026 | Yes | 2 | B | B | B | B | B | OR | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606756 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. [Redacted] | Appraisal is missing. | Reviewer Comment (2026-06-09): Appraisal received & associated. Exception cleared. Buyer Comment (2026-06-05): appraisal |
06/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606777 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2026-06-09): Appraisal received & associated. Exception cleared. Buyer Comment (2026-06-05): appraisal was submitted |
06/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606785 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Reviewer Comment (2026-06-09): HELOC agreement & closing statement received & associated. Exception cleared. Buyer Comment (2026-06-05): heloc docs |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606803 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] or Final Disclosure APR of [Redacted] is equal to or greater than the threshold of APOR [Redacted] + [Redacted] , or [Redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-09): Appraisal received & associated. Exception cleared. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606804 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan [redacted] Test | TILA HPML appraisal Rule (Dodd-Frank [Redacted] ): [redacted] requirements not satisfied. | [redacted] due to appraisal document is missing. | Reviewer Comment (2026-06-09): Appraisal received & associated. Exception cleared. Buyer Comment (2026-06-05): appraisal doc submitted |
06/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606805 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | [redacted] due to appraisal document is missing. | Reviewer Comment (2026-06-09): Appraisal received & associated. Exception cleared. Buyer Comment (2026-06-05): appraisal submitted |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606806 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted] ): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | [redacted] due to appraisal document is missing. | Reviewer Comment (2026-06-09): Appraisal received & associated. Exception cleared. Buyer Comment (2026-06-05): appraisal submitted |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606807 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | [redacted] due to appraisal document is missing. | Reviewer Comment (2026-06-09): Appraisal received & associated. Exception cleared. Buyer Comment (2026-06-05): appraisal submitted |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606808 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [Redacted] Home Ownership Security Act: Points and Fees on subject loan of [Redacted] is in excess of the allowable maximum of [Redacted] of the Total Loan Amount. Points and Fees total [Redacted] on a Total Loan Amount of [Redacted] vs. an allowable total of [Redacted] (an overage of [Redacted] or .[Redacted]). Non-Compliant High Cost Loan. | Reviewer Comment (2026-06-10): Updated exception generated. This condition cleared. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier). (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
D | B | D | B | C | A | D | A | Non QM | Non QM | Yes | ||||||||||
| 225671334 | [Redacted] | [Redacted] | 36606809 | 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]). | 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. | Reviewer Comment (2026-06-10): [redacted] - Reimbursement fee is not a finance charge. Reviewer Comment (2026-06-10): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an [redacted] 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]). (Final/[redacted]) Buyer Comment (2026-06-09): Please see the email from title. The reimbursement fee is a one time condo fee, that title orginally paid |
06/10/2026 | 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) | D | B | D | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225671334 | [Redacted] | [Redacted] | 36606811 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted] Percent Fee Tolerance exceeded for Flood Certification (Life of Loan). Fee amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-09): Upon review, consumer within [redacted]% tolerance requirement Buyer Comment (2026-06-05): The flood cert fee is only $[redacted] on the final CD and was disclosed as such on the initial LE |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225671334 | [Redacted] | [Redacted] | 36606822 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted] business days of the Note. | - | Reviewer Comment (2026-06-09): Third party verification associated. Exception cleared. Buyer Comment (2026-06-08): [redacted] is the vvoe |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225671334 | [Redacted] | [Redacted] | 36612186 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Lender's exception in file without approval for max CLTV of [Redacted] for a non-warrantable condo. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-10): Client elects to waive with compensating factors. Reviewer Comment (2026-06-10): Received lender exception approval to permit [redacted]% CLTV. Buyer Comment (2026-06-08): exception approval |
06/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | ||||||||
| 225671334 | [Redacted] | [Redacted] | 36697767 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval for employment history for [Redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-10): Client elects to waive with compensating factors. |
06/10/2026 | Yes | 2 | B | B | B | B | B | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||||
| 225671334 | [Redacted] | [Redacted] | 36697770 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender excepiton approval provided for non-warrantable condo due to critical repairs. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-10): Client elects to waive with compensating factors. |
06/10/2026 | Yes | 2 | B | B | B | B | B | NJ | Primary | Purchase | D | B | D | B | C | A | D | A | Non QM | Non QM | No | |||||||||||||
| 225671519 | [Redacted] | [Redacted] | 36644434 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception request in the loan file for the [Redacted] Borrower who holds an [Redacted]. File is missing the exception form, approval and compensating factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-22): Lender Exception with Compensating Factors provided. , To allow the borrowers Visa type [redacted] DSCR is [redacted] Buyer Comment (2026-06-18): exception |
06/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225672808 | [Redacted] | [Redacted] | 36606931 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Credit Report Fee was disclosed on the initial Loan Estimate as [Redacted] , but disclosed on the final Closing Disclosure as [Redacted]. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225675218 | [Redacted] | [Redacted] | 36607395 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Investor Qualifying Total Debt Ratio: [Redacted] ; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted] . Variance is more than [Redacted]. Due to the debt amount considered [Redacted] , but it is [Redacted] , we are getting DTI Variance. Furthermore rent loss -[Redacted] was not included in lender calculation | Reviewer Comment (2026-06-23): Received updated 1008 and Bid tape. Condition cleared. Reviewer Comment (2026-06-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-06-22): Bid tape corrected, please clear Reviewer Comment (2026-06-16): Received updated 1008 with correct DIT, but [redacted] is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-12): [redacted] is Paid off Reviewer Comment (2026-06-12): Required [redacted] liability closed proof or excluding with Source document. DTI will match with updated 1008. Exception remains. Buyer Comment (2026-06-11): corrected 1008 and urla to account for the $[redacted] Reviewer Comment (2026-06-08): For the rent Monthly Gross Rents $[redacted] [redacted]% gross rent used Monthly Gross Rents less Vacancy Factor $[redacted] Monthly net rent -$[redacted] That was not included in your calculations on the 1008 Buyer Comment (2026-06-05): [redacted] payment explaination |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225675218 | [Redacted] | [Redacted] | 36607417 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Investor Qualifying Total Debt Ratio: [Redacted] ; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted]. Variance is more than [Redacted]. Due to the debt amount considered [Redacted] , but it is [Redacted], we are getting DTI Variance. Furthermore rent loss -[Redacted] was not included in lender calculation | Reviewer Comment (2026-06-23): Received updated 1008 and Bid tape. Condition cleared. Buyer Comment (2026-06-22): Bid tape corrected, please clear |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225675218 | [Redacted] | [Redacted] | 36607419 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted] ): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted] moderately exceeds the guideline maximum of [Redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | Investor Qualifying Total Debt Ratio: [Redacted] ; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted]. Variance is more than [Redacted]. Due to the debt amount considered [Redacted], but it is [Redacted], we are getting DTI Variance. Furthermore rent loss -[Redacted] was not included in lender calculation | Reviewer Comment (2026-06-16): Received payoff statement for "[redacted]" and DTI is matching. Exception cleared. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225675218 | [Redacted] | [Redacted] | 36607421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee [Redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-06-15): [redacted] received email confirmation and as per comment. Fee is non lender required. Buyer Comment (2026-06-11): The pest inspection fee is required per the sales contract, not [redacted] or title. Please see the email from title Reviewer Comment (2026-06-10): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted]; however. unable to determine from the file whether the lender or title company required the Pest Inspection. If the lender required the Pest Inspection, then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest inspection, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-08): PCCD |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225675218 | [Redacted] | [Redacted] | 36607462 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted] exceeds guideline total debt ratio of [Redacted]. | Reviewer Comment (2026-06-16): Received payoff statement for "[redacted]" and DTI is matching. Exception cleared. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225675218 | [Redacted] | [Redacted] | 36607671 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Investor Qualifying Total Debt Ratio: [Redacted]; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted]. Variance is more than [Redacted]. Lender considered debt in amount [Redacted] while calculated debt [Redacted]. | Reviewer Comment (2026-06-23): Received updated 1008 and Bid tape. Condition cleared. Buyer Comment (2026-06-22): Bid tape corrected, please clear |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677116 | [Redacted] | [Redacted] | 36607827 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] 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 (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225677116 | [Redacted] | [Redacted] | 36607858 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | This condo project is non-warrantable to Agency due to having outstanding critical repairs/violations. The HOA has an open violation with the State of [redacted] due to unsafe pool conditions. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-22): Client elects to waive wtih compensating factors. Buyer Comment (2026-06-18): anything needed for this? see [redacted]for approved exception |
06/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225677319 | [Redacted] | [Redacted] | 36610207 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] exception due to missing [Redacted] for business causing loan designation mismatch. | Reviewer Comment (2026-06-30): Business Entity Listing and License received and verified. Exception cleared. Buyer Comment (2026-06-26): See VOE for business license |
06/30/2026 | 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 | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677319 | [Redacted] | [Redacted] | 36610208 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current [Redacted] status using reasonably reliable [Redacted] records. | [redacted] exception due to missing [Redacted] Verification for business. | Reviewer Comment (2026-06-30): Business Entity Listing and License received and verified. Exception cleared. Buyer Comment (2026-06-26): See VOE for business license |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677319 | [Redacted] | [Redacted] | 36610209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [Redacted]or more guideline components which could impact the borrower's ability to repay. | [redacted] exception due to missing [Redacted] Verification for business. | Reviewer Comment (2026-06-30): Business Entity Listing and License received and verified. Exception cleared. Buyer Comment (2026-06-26): VOE |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677319 | [Redacted] | [Redacted] | 36610210 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | [redacted] exception due to missing [Redacted] Verification for business. | Reviewer Comment (2026-06-30): Business Entity Listing and License received and verified. Exception cleared. |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677320 | [Redacted] | [Redacted] | 36610151 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] 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 (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225677320 | [Redacted] | [Redacted] | 36625670 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The lender Loan Info section of the[Redacted] states [Redacted] for property taxes yet qualified with [Redacted] . Audit DTI matches DTI reflected on [Redacted]. | Reviewer Comment (2026-06-30): Updated 1008 and bid tape received. Buyer Comment (2026-06-26): Please clear, Bid tape has been updated. Reviewer Comment (2026-06-25): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-24): Please see attached 1008/1003. I have put in a request for the Bid-Tape correction. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677320 | [Redacted] | [Redacted] | 36625682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The lender Loan Info section of the [Redacted] states [Redacted] for property taxes yet qualified with [Redacted]. Audit DTI matches DTI reflected on [Redacted]. | Reviewer Comment (2026-06-30): Updated 1008 and bid tape received. Buyer Comment (2026-06-26): Please clear, Bid tape has been updated. Reviewer Comment (2026-06-25): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-24): Please see attached 1008/1003. I have put in a request for the Bid-Tape correction. |
06/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677320 | [Redacted] | [Redacted] | 36625683 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | The lender Loan Info section of the [Redacted] states [Redacted] for property taxes yet qualified with [Redacted]. Audit DTI matches DTI reflected on 1008. | Reviewer Comment (2026-06-30): Updated 1008 and bid tape received. Buyer Comment (2026-06-26): Please clear, Bid tape has been updated. Reviewer Comment (2026-06-25): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-24): Please see attached 1008/1003. I have put in a request for the Bid-Tape correction. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677323 | [Redacted] | [Redacted] | 36608098 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-19): Received E-Sign Consent Agreement document, information validated. Exception Cleared. Buyer Comment (2026-06-18): E-consent |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225677324 | [Redacted] | [Redacted] | 36610654 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] 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 (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225677325 | [Redacted] | [Redacted] | 36612154 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The DTI exceeds the maximum allowed, causing the loan to waterfall through QM Testing, resulting in a Loan Designation discrepancy. | Reviewer Comment (2026-07-16): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-07-15): please clear, bid tape has been updated. Reviewer Comment (2026-07-01): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-30): updated workseet and revised 1003.1008 upld to trl docs |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677325 | [Redacted] | [Redacted] | 36612155 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to DTI. | Reviewer Comment (2026-07-16): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-07-15): please clear, bid tape has been updated. Reviewer Comment (2026-07-01): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-30): updated workseet and revised 1003.1008 upld to trl docs |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677325 | [Redacted] | [Redacted] | 36612442 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | After reviewing the Lender bank statement calculation worksheet, the Lender used [Redacted] bank statements to average the monthly balance. However, the loan program requires the [Redacted] most recent bank statements. The [redacted] [Redacted] statement with the deposit amount of [Redacted] was included in the calculation. | Reviewer Comment (2026-07-16): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-07-15): please clear, bid tape has been updated. Reviewer Comment (2026-07-01): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-30): updated workseet and revised 1003.1008 upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677326 | [Redacted] | [Redacted] | 36610014 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address updated as per Valuation document. | Reviewer Comment (2026-06-11): Received revised appraisal document with correct property address. Exception Cleared. Buyer Comment (2026-06-10): appraisal |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225677326 | [Redacted] | [Redacted] | 36610024 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variation in DTI due to insufficient rental documents. | Reviewer Comment (2026-06-18): Received clarification of HOA dues for subject and primary. Cleared. Reviewer Comment (2026-06-18): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-06-17): Calculations to get DTI to [redacted] Buyer Comment (2026-06-17): HOA fee is quarterly Reviewer Comment (2026-06-11): Require relevant document to suffice the DTI discrepancy as available HOA document does not confirm $[redacted] is monthly or Quarterly however as per final 1003 and 1008 HOA amount consider $[redacted] as monthly, also after excluding "[redacted]" auto finance payment" still DTI does not comes to DTI [redacted]%. Exception Remains. Buyer Comment (2026-06-10): Also the [redacted] finance payment should be excluded since there are less than [redacted] months payments left. Buyer Comment (2026-06-10): Please see the attached HOA, the $[redacted] hoa dues for [redacted] are per quarter, not per month |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225677326 | [Redacted] | [Redacted] | 36610046 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Variation in DTI due to insufficient rental documents. | Reviewer Comment (2026-06-18): Received clarification of HOA dues for subject and primary. Cleared. Reviewer Comment (2026-06-18): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225677327 | [Redacted] | [Redacted] | 36610622 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. [Redacted] | The appraisal report(s) may not be more than [Redacted] days old from note date per guideline. | Reviewer Comment (2026-06-17): Appraisal received and information updated. Exception cleared. Buyer Comment (2026-06-16): The initial date on the appraisal being [redacted] was a CLERICAL ERROR. It was corrected when the issue was noted. Please clear condition. Reviewer Comment (2026-06-15): The received Appraisal 1025 ([redacted]) document is post-dated. The note date is [redacted], whereas the appraisal report is dated [redacted]. Exception remains. Buyer Comment (2026-06-12): Please see updated appraisal with corrected date. Reviewer Comment (2026-06-08): Received appraisal report (Form 1025) is more than [redacted] days from the note date, exception remains. Buyer Comment (2026-06-04): Please see attached. |
06/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225677327 | [Redacted] | [Redacted] | 36651319 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The appraisal report(s) may not be more than [Redacted] days from note date. | Reviewer Comment (2026-06-17): Appraisal received and information updated. Exception cleared. Buyer Comment (2026-06-16): The initial date on the appraisal being [redacted] was a CLERICAL ERROR. It was corrected when the issue was noted. Please clear condition. Reviewer Comment (2026-06-15): The received Appraisal 1025 ([redacted]) document is post-dated. The note date is [redacted], whereas the appraisal report is dated [redacted]. Exception remains. Buyer Comment (2026-06-12): [redacted]. please clear. Reviewer Comment (2026-06-08): Received appraisal report (Form 1025) is more than [redacted] days from the note date, exception remains. Buyer Comment (2026-06-04): [redacted]. Please clear. |
06/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225677327 | [Redacted] | [Redacted] | 36751598 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The effective date on the CDA is [Redacted] which does not match the appraisal | Reviewer Comment (2026-07-02): CDA received and updated, Exception Cleared. Buyer Comment (2026-07-01): Please see updated CDA with the corrected date. Please clear condition. |
07/02/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | N/A | No | ||||||||||||||||
| 225677328 | [Redacted] | [Redacted] | 36612962 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [Redacted] business days of application. | Loan Estimate not delivered to Borrower within [Redacted] business days of application. | Reviewer Comment (2026-06-10): [redacted] received rebuttal and initial LE Buyer Comment (2026-06-08): Hello, the address discrepancy in the intial vs final is due to it being bridge loan where the purchase property hadn't been identified yet. A placeholder address was used to disclose until the borrower identified a property. Please waive. Reviewer Comment (2026-06-05): [redacted] received disclosures tracking details summary indicates that the initial LE sent and received by borrower on [redacted]. However, the initial application and LE dated [redacted] reflect different property address, which does not match he address listed in the closing documents. Based on the documents provided, we are unable to determine the exact date when lender has received all [redacted] pieces of information to initiate the application. Please provide supporting documentation to confirm receipt of the 6th piece of information to lender to establish the application date. Additionally, a lender attestation is required to clarify the discrepancy in the property address between the initial and final documents. Buyer Comment (2026-06-03): Please see disclosure tracking showing Initial LE was sent [redacted] Buyer Comment (2026-06-03): Please see disclosure tracking showing Initial LE was sent to borrower on [redacted]. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677328 | [Redacted] | [Redacted] | 36696167 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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 COC for increase of transfer tax is required. Please provide valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check | Reviewer Comment (2026-07-08): [redacted] received a valid rebuttal comment from the seller along with supporting disclosure history evidencing that the disclosures were sent to the borrower on [redacted] with a loan amount of $[redacted]. Buyer Comment (2026-07-07): It is visible in the COC that were uploaded yesterday. Kindly reevaluate and remove condition Reviewer Comment (2026-07-07): [redacted] received disclosure summary, however no COC document provided specifying with date of change and reason stating loan amount changed. Please provide COC document with date of change and reason to re-evaluate the exception. Buyer Comment (2026-07-06): Please see attached COC's to clear condition Reviewer Comment (2026-07-06): [redacted] acknowledged the comment below. However, [redacted] also required the corresponding COC in order to associate it with the applicable LE and re-baseline the exception. Buyer Comment (2026-07-02): Please reevaluate this conditions. On [redacted] ILE, the loan amount was for $[redacted]. and then on [redacted] when [redacted] received the changes, the loan amount increased to [redacted] causing the increase in transfer taxes. [redacted] disclosed to the borrower accordingly and a PCCD/ refund is not required. Kindly remove condition Reviewer Comment (2026-06-23): [redacted] received a valid rebuttal comment. However, the corresponding COC dated [redacted] indicates that the rate was locked and does not reflect any changes to the sales price or loan amount to justify the increase in transfer taxes. Please provide an updated COC to associate with the LE dated [redacted] in order to re-baseline this exception. Buyer Comment (2026-06-22): Hello, the increase in transfer taxes was due to the increase in the sales price. The sales contract was received by our offices on [redacted] and the increase in transfer taxes based on the sales price was disclosed within [redacted] days of the receipt. A PCCD / Refund should not be necessary. Thank you! |
07/08/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225677329 | [Redacted] | [Redacted] | 36611880 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Collections / Balance: [Redacted] is without a payment plan. | Reviewer Comment (2026-06-08): less than $[redacted] and is not required to be paid off. Buyer Comment (2026-06-05): The $[redacted] collection is less than $[redacted] and is not required to be paid off. Buyer Comment (2026-06-05): LOX for the credit on [redacted] card services |
06/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677329 | [Redacted] | [Redacted] | 36611902 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: [Redacted] ; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted] . Supporting documentation for [Redacted] Funding being paid by business was not provided. | Reviewer Comment (2026-06-08): Paid through Business Buyer Comment (2026-06-05): [redacted] paid by business |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677329 | [Redacted] | [Redacted] | 36612141 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Investor qualifying total debt ratio of [Redacted] % exceeds guideline total debt ratio of [Redacted] due to non-REO liabilities. Supporting documentation for [Redacted] Funding being paid by business was not provided. | Reviewer Comment (2026-06-10): [redacted] Fund for Economic Installment account has been excluded. Exception cleared. Buyer Comment (2026-06-09): See page [redacted], on the credit report for the [redacted] debt. There are fewer than [redacted] payments remaining, so the debt was able to be excluded. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677329 | [Redacted] | [Redacted] | 36612206 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Diligence Investor Qualifying Total Debt Ratio: [Redacted] ; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted] . Supporting documentation for [Redacted] Funding being paid by business was not provided. | Reviewer Comment (2026-06-10): [redacted] Fund for Economic Installment account has been excluded. Exception cleared. Buyer Comment (2026-06-09): See page [redacted], on the credit report for the [redacted] debt. There are fewer than [redacted] payments remaining, so the debt was able to be excluded. |
06/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677329 | [Redacted] | [Redacted] | 36612208 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Diligence Investor Qualifying Total Debt Ratio: [Redacted] %; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted]. Supporting documentation for [Redacted] Funding being paid by business was not provided. | Reviewer Comment (2026-06-10): [redacted] Fund for Economic Installment account has been excluded. Exception cleared. Buyer Comment (2026-06-09): See page [redacted], on the credit report for the [redacted] debt. There are fewer than [redacted] payments remaining, so the debt was able to be excluded. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677329 | [Redacted] | [Redacted] | 36612209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted] (c)(5) of [Redacted] significantly exceeds the guideline maximum of [Redacted]. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted].) | Diligence Investor Qualifying Total Debt Ratio: [Redacted] %; Bid Tape Investor Qualifying Total Debt Ratio: [Redacted]. Supporting documentation for [Redacted] Funding being paid by business was not provided. | Reviewer Comment (2026-06-08): Paid through business |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225677337 | [Redacted] | [Redacted] | 36612458 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [Redacted]. | Bid Tape DSCR is [Redacted] , however calculated DSCR is [Redacted] as UW has captured Total Liabilities as [Redacted] | Reviewer Comment (2026-07-23): Received updated worksheet. Condition cleared. Reviewer Comment (2026-07-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-07-21): Please see updated DSCR worksheet. Please match our worksheet and the clear the condition. Reviewer Comment (2026-06-18): Bid Tape DSCR [redacted], however calculated DSCR is [redacted]. Used actual lease amount $[redacted] at [redacted]% / PITIA $[redacted] (P&I $[redacted] + Taxes $[redacted] + HOI $[redacted]). Please provided updated DSCR worksheet. Exception Remains. Buyer Comment (2026-06-16): The data compare screen is now the same. Please clear condition. Reviewer Comment (2026-06-05): The actual lease reflects rental income of $[redacted], which does not match or reconcile with the bid tape value. Exception remains. Buyer Comment (2026-06-03): Please review actual leases which shows the rents received as $[redacted]. This should clear up the difference. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225677338 | [Redacted] | [Redacted] | 36712048 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-07-15): Bid Tape Value on DSCR has been updated. Exception cleared. Buyer Comment (2026-07-13): Hello, we will have this loan corrected on the BID Tape this [redacted]. Thank you! Reviewer Comment (2026-06-11): Actual rent of $[redacted] used for calculation. DSCR [redacted] does not match the bid tape [redacted]. Exception remains Buyer Comment (2026-06-10): Please see the attached DSCR rebuttal. Thank you! |
07/15/2026 | No | 1 | A | A | A | A | A | IL | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225677353 | [Redacted] | [Redacted] | 36609414 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-26): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-06-24): proof econsent accepted upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||||
| 225677353 | [Redacted] | [Redacted] | 36609674 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Updated Replacement cost estimator is required to cover the insurance coverage shortfall, [Redacted]. | Reviewer Comment (2026-07-01): Received Hazard Insurance Policy is updated and associated, exception cleared. Buyer Comment (2026-06-29): usps confirming property zip code is same for [redacted] as well as [redacted] Reviewer Comment (2026-06-25): Hazard Insurance [redacted] city name mentioned is '[redacted]' whereas note document reflects city name as '[redacted]'. Exception remains Buyer Comment (2026-06-24): hoi on [redacted] has sufficient coverage, the coverage amount of $[redacted] is more than [redacted]% of the loan amount of $[redacted]. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||||
| 225677353 | [Redacted] | [Redacted] | 36609709 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Special Flood Hazard Disclosure is required to be delivered within [Redacted] business days of application. | Reviewer Comment (2026-06-25): Disclosure tracking received confirming Noice of special flood Hazard Disclosure document is sent to borrower on [redacted]. Exception cleared Buyer Comment (2026-06-24): tracking showing flood notice was sent with initial disclosures on [redacted] upld. |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||
| 225678131 | [Redacted] | [Redacted] | 36626853 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure is missing, available Closing Disclosure is prior to note date and incomplete. | Reviewer Comment (2026-06-10): Received Executed Final HUD/CD for the Loan. Buyer Comment (2026-06-08): FSS |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | B | C | B | C | A | N/A | No | ||||||||||||||
| 225678131 | [Redacted] | [Redacted] | 36629313 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [Redacted] was not provided. | - | Reviewer Comment (2026-07-13): Inspection was performed, exception cleared Buyer Comment (2026-07-09): A full report was not provided from the inspection company. The letters are all they provided, but the letters do confirm that no repairs are needed. No [redacted] is required. Reviewer Comment (2026-06-11): Received unsigned copy of property inspection which was available at initial review. Require [redacted] completion report from the appraiser to clear the condition. Exception remains. Buyer Comment (2026-06-10): inspections |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | B | C | B | C | A | N/A | No | ||||||||||||||
| 225678131 | [Redacted] | [Redacted] | 36653794 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval to allow landlord waiver be exercised on a mixed use property | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-06-03): Client elects to waive with compensating factors. |
06/03/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | C | B | C | B | C | A | N/A | No | |||||||||||
| 225678152 | [Redacted] | [Redacted] | 36626612 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] ). The disclosed Total of Payments in the amount of [Redacted] is under disclosed by [Redacted] compared to the calculated total of payments of [Redacted] which exceeds the [Redacted] threshold. | The disclosed Total of Payments in the amount of $[Redacted] is under-disclosed by [Redacted] compared to the calculated total of payments of [Redacted] , which exceeds the [Redacted] threshold. | Reviewer Comment (2026-07-07): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-07-06): Please see attached. |
07/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225678394 | [Redacted] | [Redacted] | 36627655 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | File was missing source of funds to verify [Redacted] | Reviewer Comment (2026-06-26): Closing Disclosure provided for [redacted] Loan with $[redacted], Exception Cleared. Buyer Comment (2026-06-25): [redacted] loan cd upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225678394 | [Redacted] | [Redacted] | 36627665 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | File was missing source of funds to verify [Redacted] | Reviewer Comment (2026-06-26): Closing Disclosure provided for [redacted] Loan with $[redacted], Exception Cleared. Buyer Comment (2026-06-25): [redacted] loan cd upld to trl docs |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225678394 | [Redacted] | [Redacted] | 36627668 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted] ): Originator Loan Designation of [Redacted] does not match Due Diligence Loan Designation of [Redacted]) Risk. | File was missing source of funds to verify [Redacted] | Reviewer Comment (2026-06-26): Closing Disclosure provided for [redacted] Loan with $[redacted], Exception Cleared. Buyer Comment (2026-06-25): [redacted] loan cd upld to trl docs |
06/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | 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 | |||||||||
| 225678394 | [Redacted] | [Redacted] | 36627671 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are [redacted] 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.) | File was missing source of funds to verify [Redacted] | Reviewer Comment (2026-06-26): Closing Disclosure provided for [redacted] Loan with $[redacted], Exception Cleared. Buyer Comment (2026-06-25): [redacted] loan cd upld to trl docs |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 225678394 | [Redacted] | [Redacted] | 36627676 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File was missing source of funds to verify [Redacted] | Reviewer Comment (2026-06-26): Closing Disclosure provided for [redacted] Loan with $[redacted], Exception Cleared. Buyer Comment (2026-06-25): [redacted] loan cd upld to trl docs |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225678415 | [Redacted] | [Redacted] | 36630674 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 items #[Redacted] reflects tax sale with outstanding balances in the amount of [Redacted] . HUD 1 does not reflect payoff of tax. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-06-12): Received evidence confirming that the liens have been released. Exception cleared. Buyer Comment (2026-06-11): Lien was cleared |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225678665 | [Redacted] | [Redacted] | 36627598 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing in the file | Reviewer Comment (2026-06-11): Received Fraud Report document. Verified and updated details. Exception Cleared. Buyer Comment (2026-06-10): Please see attached. Reviewer Comment (2026-06-05): Need the full fraud report not a summary Buyer Comment (2026-06-04): Please see attached. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225682577 | [Redacted] | [Redacted] | 36628375 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement is missing for property located at [Redacted] | Reviewer Comment (2026-06-26): Documents received. Buyer Comment (2026-06-24): note.cd for [redacted] union upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225682577 | [Redacted] | [Redacted] | 36628378 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement is missing for property located at [Redacted] | Reviewer Comment (2026-06-26): Documents received. Buyer Comment (2026-06-24): note.cd [redacted] upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225682577 | [Redacted] | [Redacted] | 36628381 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement is missing for property located at [Redacted] | Reviewer Comment (2026-06-26): Documents received. Buyer Comment (2026-06-24): note.cd for [redacted] upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225682577 | [Redacted] | [Redacted] | 36631896 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided | Bankruptcy document confirming discharge, status, etc., not provided. | Reviewer Comment (2026-07-02): Bankruptcy Chapter [redacted] discharged on [redacted] as per fraud report. Exception cleared. Buyer Comment (2026-06-30): this is not listed on title, the final fraud confirms this was discharged in [redacted]. Reviewer Comment (2026-06-26): The exception is related to the dischared Bankruptcy. Please provided Bankruptcy documentation. Buyer Comment (2026-06-24): rebuttal upld |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225683082 | [Redacted] | [Redacted] | 36630087 | 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 [Redacted]([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [Redacted] ([Redacted]) business days prior to closing. | Reviewer Comment (2026-06-05): [redacted] received [redacted] Initial CD, [redacted] business days prior to the consummation. Buyer Comment (2026-06-04): initial CD |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225683082 | [Redacted] | [Redacted] | 36630089 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the addition of the fee was not provided. No cure at close. | Reviewer Comment (2026-06-10): [redacted] received updated CD and valid changed circusmtance. Buyer Comment (2026-06-08): CD Reviewer Comment (2026-06-05): [redacted] received valid COC in the loan file dated [redacted]. however, there is no CD dated within that time frame. Please provide any missing CD to associate with the changed circumstance dated [redacted] or provide a changed circumstance supporting the CD dated [redacted]. Otherwise, a cure will be required. Buyer Comment (2026-06-04): [redacted] is the COC. The Rate expired, and the fee is to extend it. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225683217 | [Redacted] | [Redacted] | 36629732 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | A valid COC for the addition of the fee was not provided. A cure amount of [Redacted] was provided at close. | Reviewer Comment (2026-07-13): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-07-10): Please refer to final CD that reflect a Lender Credit for $[redacted] to cure this violation. |
07/13/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225683217 | [Redacted] | [Redacted] | 36629733 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of [Redacted] exceeds tolerance of $[Redacted]. [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC for the addition of the fee was not provided. No cure at close. | Reviewer Comment (2026-07-21): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-20): Please see attached Cure Check, Cover Letter, PCCD and proof [redacted] Delivered |
07/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225683222 | [Redacted] | [Redacted] | 36632184 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] or Final Disclosure APR of [Redacted] is equal to or greater than the threshold of APOR [Redacted] + [Redacted] , or [Redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-09): Lender restated Loan designation to QM. Condition cleared. Buyer Comment (2026-07-07): this does not apply to qm loans Reviewer Comment (2026-07-02): [redacted] full appraisal is required due to flipped property. Current owner purchased on [redacted]. Exception remains. Buyer Comment (2026-06-30): please re-designate to qm Reviewer Comment (2026-06-23): Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of required appraisal to the borrower. Buyer Comment (2026-06-19): What is needed to clear? |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225683222 | [Redacted] | [Redacted] | 36632185 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain [Redacted] written appraisals. | Waiver in file, however, verification of appraisal delivered to borrower not provided. | Reviewer Comment (2026-07-09): Lender restated Loan designation to QM. Condition cleared. Reviewer Comment (2026-07-02): [redacted] full appraisal is required due to flipped property. Current owner purchased on [redacted]. Exception remains. Buyer Comment (2026-06-30): please re-designate to qm Reviewer Comment (2026-06-23): Received appraisal receipts. Current owner purchased [redacted]. An additional appraisal is required. Buyer Comment (2026-06-19): Sure receipts |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225683222 | [Redacted] | [Redacted] | 36806717 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted] ): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Reviewer Comment (2026-06-30): Proof of appraisal delivery provided Buyer Comment (2026-06-30): please re-designate to qm |
06/30/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225683222 | [Redacted] | [Redacted] | 36922641 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted] ): Originator Loan Designation of [Redacted] does not match Due Diligence Loan Designation of Higher Priced [Redacted]. | Lender restated loan designation to [Redacted],, however review returned a designation of Higher Priced [Redacted]. Lender compliance report also concurs. | Reviewer Comment (2026-07-15): Restated Originator Loan Designation has updated correctly. Exception Cleared. Buyer Comment (2026-07-14): please re-designate to Higher Priced QM APOR Reviewer Comment (2026-07-13): The loan designation calculated to a Higher Priced QM (APOR). DD is unable to cancel the exception. Buyer Comment (2026-07-09): please cancel, this is a qm loan |
07/15/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225683402 | [Redacted] | [Redacted] | 36633339 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification not provided for property located at [Redacted] | Reviewer Comment (2026-06-23): This is a new purchase transaction, provided final CD. Exception cleared Buyer Comment (2026-06-20): This is a new purchase transaction. Please see attached Final CD from the recent transaction. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225683403 | [Redacted] | [Redacted] | 36633074 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-10): E-Sign Consent Agreement associated. Exception cleared. Buyer Comment (2026-06-09): Please see attached. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225683403 | [Redacted] | [Redacted] | 36633081 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-06-10): Title Final received and associated. Exception cleared. |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225683403 | [Redacted] | [Redacted] | 36633093 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Preliminary title policy amount is blank. | Reviewer Comment (2026-06-10): Title Final received and associated. Exception cleared. Buyer Comment (2026-06-09): Please see attached. |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225683403 | [Redacted] | [Redacted] | 36633132 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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 increased from [Redacted] to [Redacted] , an increase of [Redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-07-01): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-30): Please see attached. Reviewer Comment (2026-06-10): [redacted] received rebuttal comment and rate lock document, but it does not give sufficient information on why the discount point fee was added. Additionally, the file does not contain valid [redacted] for the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-09): Please see attached lock form. At this time the discount points were elected by the borrower and charged to the borrower at their request. There was also a [redacted] done at this time. Please clear condition. |
07/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225683403 | [Redacted] | [Redacted] | 36633133 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Credit Report Fee increased from [Redacted] to [Redacted] , an increase of [Redacted] , without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-07-01): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-30): Please see attached. |
07/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225683403 | [Redacted] | [Redacted] | 36633206 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Lender DTI [Redacted] , Review DTI [Redacted]. The reason for the discrepancy is due for the P&I of [Redacted] for Interest Only loan however [Redacted] reflecting P&I of $[Redacted]. | Reviewer Comment (2026-07-07): cleared Buyer Comment (2026-07-06): Pleasse review data compare. We now match within the variance of .[redacted]%. Please clear condition. Reviewer Comment (2026-06-26): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-25): Please see updated 1008. There is a variance of .[redacted]% which is acceptable. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225683403 | [Redacted] | [Redacted] | 36633258 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Data Discrepancy with DTI. Lender DTI [Redacted] , Review DTI [Redacted]. The reason for the discrepancy is due for the P&I of [Redacted] for Interest Only loan however [Redacted] reflecting P&I of [Redacted]. | Reviewer Comment (2026-07-07): Cleared file was updated Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-06-26): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-25): [redacted] |
07/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225683403 | [Redacted] | [Redacted] | 36633260 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Data Discrepancy with DTI. Lender DTI [Redacted] , Review DTI [Redacted] . The reason for the discrepancy is due for the P&I of [Redacted] for Interest Only loan however [Redacted] reflecting P&I of [Redacted]. | Reviewer Comment (2026-07-07): Cleared file was updated Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-06-26): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-25): [redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225683404 | [Redacted] | [Redacted] | 36633454 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] or Final Disclosure APR of [Redacted] is equal to or greater than the threshold of APOR [Redacted] + [Redacted] , or [Redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted] or Final Disclosure APR of [Redacted] is equal to or greater than the threshold of APOR [Redacted] + [Redacted] , or [Redacted]. | Reviewer Comment (2026-07-06): Received initial appraisal report dated [redacted] and evidence of delivery. Exception cleared. Buyer Comment (2026-07-02): The Appraisal Completed on [redacted] was for revisions only. Borrower received a copy of the initial appraisal on [redacted] (verification in file [redacted]) however appraiser made clerical revision by adding commentary to address the property being located in a previously declared FEMA Disaster area as found ins the Supplemental Addendum of the report. Copy of initial appraisal attached. Proof of receipt of [redacted] appraisal in file [redacted]. Appraisal updates due to small revisions only do not fall into the [redacted] day delivery requirement. Reviewer Comment (2026-06-26): Evidence of delivery for appraisal report dated [redacted] within [redacted] business day prior to consummation is required. Exception remains. Buyer Comment (2026-06-24): The proof of CDA was delivered was provided in trailing docs and now in D[redacted]. However, I don't feel its clear as to what is being provided so please see additional screenshot attached to show that upload on [redacted] is for the [redacted]. Reviewer Comment (2026-06-23): Please provide appraisal delivery for CDA, Exception remains. Buyer Comment (2026-06-20): Please clarify or clear. Thank you. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225683404 | [Redacted] | [Redacted] | 36633455 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Verification of appraisal was delivered to borrower not provided in file. | Reviewer Comment (2026-07-06): Received initial appraisal report dated [redacted] and evidence of delivery. Exception cleared. Buyer Comment (2026-07-02): The Appraisal Completed on [redacted] was for revisions only. Borrower received a copy of the initial appraisal on [redacted] (verification in file [redacted]) however appraiser made clerical revision by adding commentary to address the property being located in a previously declared FEMA Disaster area as found ins the Supplemental Addendum of the report. Copy of initial appraisal attached. Proof of receipt of [redacted] appraisal in file [redacted]. Appraisal updates due to small revisions only do not fall into the [redacted] day delivery requirement. Reviewer Comment (2026-06-26): Evidence of delivery for appraisal report dated [redacted] within [redacted] business day prior to consummation is required. Exception remains. Buyer Comment (2026-06-24): The proof of CDA was delivered was provided in trailing docs and now in D[redacted]. However, I don't feel its clear as to what is being provided so please see additional screenshot attached to show that upload on [redacted] is for the [redacted]. Reviewer Comment (2026-06-23): Please provide appraisal delivery for CDA, Exception remains. Buyer Comment (2026-06-20): Please see attached verification appraisal delivered to borrower [redacted]and CDA Delivered [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225683404 | [Redacted] | [Redacted] | 36879295 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of revised valuation to applicant [Redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Revised appraisal report dated [Redacted] is not provided to borrower within [Redacted] business day prior to consummation. | Buyer Comment (2026-07-13): OK to waive as [redacted] appraisal was for clerical revisions only. |
07/13/2026 | No | 2 | B | B | B | B | B | WA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225683405 | [Redacted] | [Redacted] | 36636612 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Transfer Deed was not provided. | Reviewer Comment (2026-06-22): Transfer Deed - cleared Buyer Comment (2026-06-20): Please see attached Deed transferring title to borrowing entity |
06/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225683411 | [Redacted] | [Redacted] | 36637059 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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. | Recording fee was last disclosed as [Redacted] on LE but disclosed as [Redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-30): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-26): PCCD with cure, sent out today |
06/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225683413 | [Redacted] | [Redacted] | 36632269 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variation in DTI P&I of the subject property. | Reviewer Comment (2026-07-15): Bid tape data corrected exception cleared. Buyer Comment (2026-07-14): Bid Tape has been updated, Please clear Reviewer Comment (2026-07-01): Calculated DTI is [redacted]% using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-06-29): Please double check your qualifying payment on this one. As per guideline section [redacted]: Interest Only [redacted]/ARM Loans - Qualify at the applicable ARM/[redacted]rate based on the amortizing term of the loan. [redacted] IO ARM: [redacted] years. Considering [redacted] qualifying rate for [redacted] years, the Qualifying P&I should be $[redacted] Agree with your Neg rents on departing residence and they have been corrected on my end See attached 1008/1003. All other figures match. Buyer Comment (2026-06-29): Please double check your qualifying payment on this one. As per guideline section [redacted]: Interest Only [redacted]/ARM Loans - Qualify at the applicable ARM/[redacted] rate based on the amortizing term of the loan. [redacted] IO ARM: [redacted] years. Considering [redacted] qualifying rate for [redacted] years, the Qualifying P&I should be $[redacted] Agree with your Neg rents on departing residence and they have been corrected on my end See attached 1008/1003. All other figures match. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225683413 | [Redacted] | [Redacted] | 36632283 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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 was last disclosed as [Redacted] on LE but disclosed as on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include [Redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-30): [redacted] Received Valid COC dated [redacted]. Buyer Comment (2026-06-29): Please see attached [redacted] dated [redacted]. Increase in Points was due to the rate being locked and associated fees based on the rate the borrower chose. |
06/30/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225683413 | [Redacted] | [Redacted] | 36632337 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank [Redacted]): The Qualification Method used by the lender does not match the ATR payment calculation methods under [Redacted](c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under [Redacted] | Reviewer Comment (2026-07-01): Corrected qualification method used. Exception cleared. Buyer Comment (2026-06-29): It appears the qualification method used on your end is not accurate. Please update and/or clarify what is needed. |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225683413 | [Redacted] | [Redacted] | 36632351 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] exception due to QM points and fees | Reviewer Comment (2026-07-15): Bid tape data corrected exception cleared. Buyer Comment (2026-07-14): Bid Tape has been updated, Please clear Reviewer Comment (2026-07-01): Calculated DTI is [redacted]% using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-06-29): Please clarify. This is a [redacted] exception for Points and Fees but there is no condition regarding Points and Fees. There is a TRID condition regarding Discount Points, so I'm not sure if that's what this is in reference to. Please see the COC uploaded to clear the TRID Discount Points condition and clarify if anything additional is needed. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225683413 | [Redacted] | [Redacted] | 36632376 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] exception due to QM points and Fees | Reviewer Comment (2026-07-15): Bid tape data corrected exception cleared. Buyer Comment (2026-07-14): Bid Tape has been updated, Please clear Reviewer Comment (2026-07-01): Calculated DTI is [redacted]% using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-06-29): Please clarify. This is a [redacted] exception for Points and Fees but there is no condition regarding Points and Fees. There is a TRID condition regarding Discount Points, so I'm not sure if that's what this is in reference to. Please see the COC uploaded to clear the TRID Discount Points condition and clarify if anything additional is needed. |
07/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225683417 | [Redacted] | [Redacted] | 36632908 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. [Redacted] | Highest level secondary valuation exceeds [Redacted] variance of primary valuation. | Reviewer Comment (2026-06-26): Field review appraisal document present in the file, updated the value amount as per the primary appraisal. Exception Cleared. Buyer Comment (2026-06-25): please cancel, field [redacted] was provided on [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | A | A | B | A | C | B | Non QM | Non QM | No | |||||||||||
| 225683417 | [Redacted] | [Redacted] | 36633107 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted] , Most Recent Tax Return End Date [Redacted] , Tax Return Due Date [Redacted]. | Self-Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. ([Redacted] , J[Redacted]) | Reviewer Comment (2026-06-26): Recent year [redacted] tax return present in the file for the business and individual. Exception Cleared. Buyer Comment (2026-06-25): please cancel, [redacted] returns are on [redacted], [redacted] and [redacted] |
06/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | B | A | A | B | A | C | B | Non QM | Non QM | No | ||||||||||
| 225683417 | [Redacted] | [Redacted] | 36633109 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] 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. | [Redacted] 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 (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | B | A | C | B | Non QM | Non QM | Yes | |||||||||
| 225683417 | [Redacted] | [Redacted] | 36856972 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.[Redacted] | Note Date: ___; Lien Position: ___ | EV2 exception for informational purposes only. Exception may be waived. | Buyer Comment (2026-07-01): ok to waive. |
07/01/2026 | No | 2 | A | A | A | A | B | WA | Primary | Purchase | C | B | A | A | B | A | C | B | Non QM | Non QM | No | |||||||||||||||
| 225683418 | [Redacted] | [Redacted] | 36632628 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | [redacted]-[Redacted] Source Documentation not provided. | Reviewer Comment (2026-06-10): [redacted] documents associated. Exception cleared. Buyer Comment (2026-06-08): See [redacted] and [redacted] |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225683418 | [Redacted] | [Redacted] | 36632639 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided | [redacted]-[Redacted] Source Documentation not provided. | Reviewer Comment (2026-06-10): [redacted] documents associated. Exception cleared. Buyer Comment (2026-06-08): See [redacted] and [redacted] |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225683418 | [Redacted] | [Redacted] | 36632719 | Compliance | Compliance | State Compliance | State Defect | [Redacted] | [redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-06-22): Certificate of compliance received & associated. Exception cleared. Buyer Comment (2026-06-19): See upload from county. It was recorded. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225683715 | [Redacted] | [Redacted] | 36644465 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [Redacted] . a [Redacted] corporation , not the borrowing party, [redacted]. Please provide evidence that the guarantor has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-07-01): Received title email and recorded deed confirming vested owner on tile is [redacted]. Exception Cleared. Buyer Comment (2026-06-29): title email confirming final policy vesting will match the mortgage and recorded deed |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225683715 | [Redacted] | [Redacted] | 36644719 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Please provide final HUD 1 signed and dated by borrower and title officer on subject with the correct closing/disbursement date. Additional requirement may apply. Subject to meet reserves requirement. | Reviewer Comment (2026-06-26): Received final HUD-1. Exception cleared. Buyer Comment (2026-06-24): signed final alta upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225683715 | [Redacted] | [Redacted] | 36660894 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | File is missing the mortgage payoff statement for the subject property. | Reviewer Comment (2026-07-01): Received payoff. Condition cleared. Buyer Comment (2026-06-29): please cancel, the pay off is not required to be signed, the final ss upld reflects the pay off Reviewer Comment (2026-06-26): Received unsigned copy of payoff statement. Require signed payoff statement. Exception remains. Buyer Comment (2026-06-24): pay off upld |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225683814 | [Redacted] | [Redacted] | 36633561 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [Redacted] | Reviewer Comment (2026-06-15): [redacted] valuation provided. Exception cleared Buyer Comment (2026-06-13): Please see attached. |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225683814 | [Redacted] | [Redacted] | 36633644 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | This CD appears to be an incomplete Closing Disclosure that was sent to the borrower prior to the final LE. Closing Disclosure is electronically signed by borrower on [Redacted] and must be accounted for. | Reviewer Comment (2026-07-01): [redacted] received rebuttal and attestation suffice Buyer Comment (2026-06-30): Please see attached. Reviewer Comment (2026-06-15): [redacted] received rebuttal comment. However, per TRID Grid [redacted], Additional Considerations Row [redacted], The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.) Attestation should be in a separate document that can be included in the loan file. Buyer Comment (2026-06-13): Please remove CD from testing. Reviewer Comment (2026-06-09): [redacted] received disclosure summary, however CD dated [redacted] Doc ID [redacted] is available in file. This CD was signed by borrower on [redacted]. Lender to attest that: Title / settlement agent inadvertently included an incomplete CD in file (blank loan calculations table) with issue date [redacted] signed by the borrower that was not the final CD at closing. Printing error is unintentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Please provide attestation to remove the CD from testing. Buyer Comment (2026-06-08): Please see attached. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225683814 | [Redacted] | [Redacted] | 36633645 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted] , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-01): [redacted] received rebuttal and attestation suffice Buyer Comment (2026-06-30): Please see attached. Reviewer Comment (2026-06-15): [redacted] received rebuttal comment. However, per TRID Grid [redacted], Additional Considerations Row [redacted], The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.) Attestation should be in a separate document that can be included in the loan file. Buyer Comment (2026-06-13): Please remove CD from testing. Reviewer Comment (2026-06-09): [redacted] received disclosure summary, however CD dated [redacted] Doc ID [redacted] is available in file. This CD was signed by borrower on [redacted]. Lender to attest that: Title / settlement agent inadvertently included an incomplete CD in file (blank loan calculations table) with issue date [redacted] signed by the borrower that was not the final CD at closing. Printing error is unintentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Please provide attestation to remove the CD from testing. Buyer Comment (2026-06-08): Please see attached lock form. At this time the loan was locked and the discount point was charged. This is a valid change. Please clear condition. |
07/01/2026 | 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 | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225683816 | [Redacted] | [Redacted] | 36637887 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of APOR [Redacted] + [Redacted] , or [Redacted] Compliant Higher Priced Loan. | APR on subject loan of [Redacted] or Final Disclosure APR of [Redacted] is equal to or greater than the threshold of APOR [Redacted] + [Redacted] , or [Redacted] | Buyer Comment (2026-06-23): OK To waive |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 225683817 | [Redacted] | [Redacted] | 36638451 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-26): E-sign consent document associated. Exception Cleared. Buyer Comment (2026-06-25): econsent upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225684248 | [Redacted] | [Redacted] | 36637099 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for- Property-Non-Warrantable Condo-Non-warrantable due to critical repairs and ongoing litigation. Pricing condition Max LTV-[Redacted] |
Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-26): Client elects to waive with compensating factors. Buyer Comment (2026-06-24): please advise what is needed, the exception was provided in the loan file |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225684248 | [Redacted] | [Redacted] | 36637103 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception condition [Redacted]: Approving request to waive requirement to document REO in borrower's name but paid by mother. No additional exception LLPA. Remains at-[Redacted] -Max [Redacted] % LTV -Subject to [Redacted] LLPA rate sheet -Subject to meeting all other [redacted] Expanded guideline requirement. Any loan attribute limit listed above is a requirement to maintain the exception approval Lender exception approved for- Credit-Missing Documents-Borrower is named as an owner on additional REO-[Redacted] however property is actually owned and used by borrower's parent and held in the name of Trust. Borrower was only added on so transfer of ownership would be easier upon mother's passing. Property is owned free and clear, Guides require us to verify payment of taxes and insurance from borrower's mother to exclude the tax/insurance expenses. I will condition for an LOE for the same, also if possible requesting an exception for the additional pricing hit to be waived on behalf of the LO please. Pricing condition Max LTV-[Redacted] |
Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-26): Client elects to waive with compensating factors. Buyer Comment (2026-06-24): please advise what is needed, the exception was provided in the loan file |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225684248 | [Redacted] | [Redacted] | 36637116 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-26): E-Consent document provided. Exception Cleared. Buyer Comment (2026-06-25): proof accepted with date upld. Reviewer Comment (2026-06-25): The provided document is missing with the consent date. Exception remains Buyer Comment (2026-06-24): proof econdent accepted upld |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225684279 | [Redacted] | [Redacted] | 36637123 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease agreement is missing for investment property [Redacted] | Reviewer Comment (2026-07-07): Updated 1003 and 1008 received for the REO Property address not required rental calculation. Exception cleared Buyer Comment (2026-07-06): Updated 1008/1003. Requested bid tape updated |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225684279 | [Redacted] | [Redacted] | 36888116 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-07-14): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-07-13): Please check corrected bid tape |
07/14/2026 | No | 1 | A | A | A | A | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||||
| 225684355 | [Redacted] | [Redacted] | 36633426 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Policy amount provided on Escrow instructions located on doc #[Redacted]. | Reviewer Comment (2026-06-19): Received Title Supplemental Report document with valid policy amount, information validated. Exception Cleared. Buyer Comment (2026-06-18): title sup |
06/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225684830 | [Redacted] | [Redacted] | 36638483 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease agreement is missing in the file. Lender approved exception to waive the current lease. Unable to downgrade/waive due to missing sufficient lender compensating factors. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-16): Client elects to waive with compensating factors. Buyer Comment (2026-06-12): showing compensating factors Reviewer Comment (2026-06-11): Lender approved exception to waive the current lease. Unable to downgrade/waive due to missing sufficient lender compensating factors. Buyer Comment (2026-06-09): exception |
06/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 225685822 | [Redacted] | [Redacted] | 36638804 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Currency converter was not found in file. | Reviewer Comment (2026-06-19): Currency converter is not required as assets account is on [redacted]. Exception Cleared. Buyer Comment (2026-06-18): I don't see any assets account that is not [redacted]. please provide which account is in question |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225685954 | [Redacted] | [Redacted] | 36641928 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Reviewer Comment (2026-06-15): Received updated Hazard Insurance verification with corrected address, Exception Cleared. Buyer Comment (2026-06-12): dec page with corrected address |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225685954 | [Redacted] | [Redacted] | 36641930 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Reviewer Comment (2026-06-15): Received updated Flood Certificate with corrected address, Exception Cleared. Buyer Comment (2026-06-12): corrected flood cert Reviewer Comment (2026-06-12): City name on received flood certificate is "[redacted]" which is not matching with note city name of "[redacted]". Exception Remains. Buyer Comment (2026-06-11): flood cert |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225685954 | [Redacted] | [Redacted] | 36641986 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225685954 | [Redacted] | [Redacted] | 36641987 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] 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 (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225685988 | [Redacted] | [Redacted] | 36641426 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] 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 v on the Closing Disclosure 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 (2026-07-01): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-30): Please see attached. Reviewer Comment (2026-06-16): [redacted] received rebuttal comment, but it does not give sufficient information on what impacts and why the recording fee was increased. Please provide information as to what changed circumstance occurred (as defined under [redacted] that resulted in an increase in closing costs. Otherwise, cure would be due to borrower. Buyer Comment (2026-06-14): Recording fees were updated by the settlement agent to reflect the final recording charges assessed for the transaction. There is no refund needed. Please clear condition. Reviewer Comment (2026-06-10): [redacted] received COC dated [redacted] which is invalid. Kindly provide a valid COC as to why the recording fee increased on CD dated [redacted] for $[redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-09): There was an interest rate change on [redacted] which was disclosed properly to the borrower. At this time there was an increase in the rate which resulted in a change of the recording fee. Please clear condition. |
07/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225686191 | [Redacted] | [Redacted] | 36642010 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [Redacted] was not provided. | - | Appraisal was made subject to, and [Redacted] is not provided. | Reviewer Comment (2026-07-13): Final inspection /[redacted] certificate received. Buyer Comment (2026-07-09): Please see attached completion cert. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225686191 | [Redacted] | [Redacted] | 36642043 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | [Redacted] HOA Document is missing. | Reviewer Comment (2026-07-02): Received tax verification with tax rate for property [redacted], Exception Cleared Buyer Comment (2026-06-30): The taxes of $[redacted] is based on the previous owner. The [redacted] property was a purchase transaction and the [redacted] tax rate for this property location is [redacted]% which brings months taxes on this property to $[redacted] + HOI $[redacted] = $[redacted] Please see attached verification of tax rate. Reviewer Comment (2026-06-23): Please provide explanation document regarding $[redacted] hence tax amount is $[redacted] and insurance is $[redacted] monthly, Exception remains. Buyer Comment (2026-06-20): There is no HOA on this property. See attached final CD from recent purchase transaction to verify. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225686191 | [Redacted] | [Redacted] | 36642108 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | - | The total [redacted]-month bank statement period provided is less than the required [redacted] months of bank statements. | Reviewer Comment (2026-06-23): Bank Statement received and associated for [redacted] [redacted]. Exception Cleared. Buyer Comment (2026-06-20): Please see Feb [redacted] statement for [redacted] acct [redacted]. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225686586 | [Redacted] | [Redacted] | 36641763 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-22): Title commitment with sufficient coverage, cleared Buyer Comment (2026-06-19): title commitment |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225687154 | [Redacted] | [Redacted] | 36640486 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for [Redacted] Guaranty Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The [Redacted] Guaranty Fee of [Redacted] exceeds the allowable tolerance of [Redacted] by [Redacted] . No cure was provided to the borrower for the tolerance violation. | Reviewer Comment (2026-06-24): [redacted] received Post CD and LOX by moving title fees to [redacted]. However, the Title-Title Policy [redacted] Fee of $[redacted], [redacted], [redacted] Guaranty Fee, though is being paid to title company is a fee incurred & imposed on [redacted] loans and remitted to [redacted] and is not shoppable regardless of the title company utilized. We would require a valid COC for the fee increased on CD dated [redacted] for $[redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-23): Please see attached PCCD and Cover Letter to borrower. The Title Fees listed on [redacted] should have been in [redacted], including the [redacted] Guarantee Fee, as the borrower shopped and did not use a provider listed on our [redacted] therefore we are not held to the tolerance of these fees |
06/25/2026 | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225687154 | [Redacted] | [Redacted] | 36643797 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The 1008 indicates that a Lender exception was requested for borrower lives rent free adn has an investment property paid by someone other than who is obligated. Also, Income calculated using YTD + previous [redacted] years average of base pay per WVOE. YTD does support base pay. Conditioned for LOE. The lender exeption approval document(s) is not located in the file. | Reviewer Comment (2026-06-25): Lender Exception with Compensating Factors provided Buyer Comment (2026-06-23): Please see Exception Approval attached. Buyer Comment (2026-06-23): Please see attached PCCD and Cover Letter to borrower. The Title Fees listed on [redacted] should have been in [redacted], including the [redacted] Guarantee Fee, as the borrower shopped and did not use a provider listed on our [redacted] therefore we are not held to the tolerance of these fees |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225687154 | [Redacted] | [Redacted] | 36824005 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]received Post CD and LOX by moving title fees to section [redacted]. However, the Title-Title Policy [redacted]Fee of $[redacted], AKA, [redacted] Guaranty Fee, though is being paid to title company is a fee incurred & imposed on [redacted]loans and remitted to [redacted]and is not shoppable regardless of the title company utilized. We would require a valid COC for the fee increased on CD dated [redacted] for $[redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-07-09): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-08): Please see attached cure check, PCCD, Cover letter and proof [redacted] delivered. |
07/09/2026 | No | 2 | B | B | B | B | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225688276 | [Redacted] | [Redacted] | 36642170 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE - Employment Only was not provided in file. | Reviewer Comment (2026-06-25): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-06-24): VOE |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225688276 | [Redacted] | [Redacted] | 36642298 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification(s) of employment was not within [redacted]business days of the Note. | Reviewer Comment (2026-06-25): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-06-24): See VOE |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225688276 | [Redacted] | [Redacted] | 36642354 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Third-party verification of employment was not provided in file. | Reviewer Comment (2026-06-25): Require Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-06-24): See VOE |
06/25/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225688276 | [Redacted] | [Redacted] | 36642355 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Waterfall due to third-party verification of employment was not provided in file. | Reviewer Comment (2026-06-25): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-06-24): See VOE |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225688276 | [Redacted] | [Redacted] | 36642356 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Third-party verification of employment was not provided in file. | Reviewer Comment (2026-06-25): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. Buyer Comment (2026-06-24): See VOE |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225688276 | [Redacted] | [Redacted] | 36642357 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted]due to third-party verification of employment was not provided in file. | Reviewer Comment (2026-06-25): Received Borrower VVOE document within the [redacted] business days from the closing date, Exception Cleared. |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225688688 | [Redacted] | [Redacted] | 36648096 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided | [redacted]Rent Comparison Schedule document is missing in the file. | Reviewer Comment (2026-06-11): Received comparable rent schedule. Exception Cleared. Buyer Comment (2026-06-10): 1007 |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689307 | [Redacted] | [Redacted] | 36643817 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225689307 | [Redacted] | [Redacted] | 36643876 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | The Guides state if Borrower is living rent free, they are not allowed to be a first-time home buyer. The loan file does not contain evidence of previous homeownership. | Reviewer Comment (2026-06-10): Borrower is a first-time homebuyer currently residing rent free and supporting Letter of Explanation associated. Exception cleared. Buyer Comment (2026-06-09): Please review the guides again. There is allowance for [redacted] with this program. Please clear condition. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689336 | [Redacted] | [Redacted] | 36644410 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance: lenders DTI: [redacted]%. Review DTI: [redacted]%. DTI variance is due to losses on all [redacted] investment properties being less than lenders calculations. | Reviewer Comment (2026-07-31): Received updated 1008. Condition cleared. Reviewer Comment (2026-07-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-07-30): revised 1003/1008 upld - dti is [redacted], bid tape correction has been requested. Reviewer Comment (2026-07-29): Based on the [redacted]-year average rental income analysis: [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net shortfall of ($[redacted]). [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net surplus of $[redacted]. [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net surplus of $[redacted]. With these updated rental income calculations, the borrower's DTI is further reduced to [redacted]%. In the Form 1008, the primary residence rent of $[redacted] is already included under "All Other Monthly Payments"; however, an additional rent expense of $[redacted] appears to have been incorrectly included in the DTI calculation, resulting in an overstated debt obligation. Provide a corrected Form 1008 and update the corresponding DTI value on the bid tape accordingly. Exception remains Buyer Comment (2026-07-27): revised 1008 and rental income worksheet upld Reviewer Comment (2026-07-07): Our figures are as follows: -$[redacted] for [redacted], -$[redacted] for [redacted], -$[redacted] for [redacted] Total = $[redacted]. Exception Remains Buyer Comment (2026-07-06): Our figures are as follows: -$[redacted] for [redacted], -$[redacted] for [redacted][redacted] and -$[redacted][redacted] [redacted] = -$[redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689336 | [Redacted] | [Redacted] | 36644527 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to DTI variance: lenders DTI: [redacted]%. Review DTI: [redacted]%. DTI variance is due to losses on all [redacted]investment properties being less than lenders calculations. | Reviewer Comment (2026-07-31): Received updated 1008. Condition cleared. Buyer Comment (2026-07-30): revised 1003/1008 upld to trl docs - dti is [redacted], bid tape correction has been requested. Reviewer Comment (2026-07-29): Based on the [redacted]-year average rental income analysis: [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net shortfall of ($[redacted]). [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net surplus of $[redacted]. [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net surplus of $[redacted]. With these updated rental income calculations, the borrower's DTI is further reduced to [redacted]%. In the Form 1008, the primary residence rent of $[redacted] is already included under "All Other Monthly Payments"; however, an additional rent expense of $[redacted] appears to have been incorrectly included in the DTI calculation, resulting in an overstated debt obligation. Provide a corrected Form 1008 and update the corresponding DTI value on the bid tape accordingly. Exception remains Buyer Comment (2026-07-27): revised 1008 and rental income worksheet upld to trl docs Reviewer Comment (2026-07-07): Our figures are as follows: -$[redacted] for [redacted], -$[redacted] for [redacted], -$[redacted] for [redacted] Total = $[redacted]. Exception Remains Buyer Comment (2026-07-06): Our figures are as follows: -$[redacted] for [redacted], -$[redacted] for [redacted][redacted] and -$[redacted][redacted] [redacted] = -$[redacted] |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225689336 | [Redacted] | [Redacted] | 36644528 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI variance: lenders DTI: [redacted]%. Review DTI: [redacted]%. DTI variance is due to losses on all [redacted]investment properties being less than lenders calculations. | Reviewer Comment (2026-07-31): Received updated 1008. Condition cleared. Buyer Comment (2026-07-30): revised 1003/1008 upld to trl docs - dti is [redacted], bid tape correction has been requested. Reviewer Comment (2026-07-29): Based on the [redacted]-year average rental income analysis: [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net shortfall of ($[redacted]). [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net surplus of $[redacted]. [redacted]: Monthly rental income of $[redacted] ($[redacted] ÷ [redacted]) compared to PITIA of $[redacted] results in a net surplus of $[redacted]. With these updated rental income calculations, the borrower's DTI is further reduced to [redacted]%. In the Form 1008, the primary residence rent of $[redacted] is already included under "All Other Monthly Payments"; however, an additional rent expense of $[redacted] appears to have been incorrectly included in the DTI calculation, resulting in an overstated debt obligation. Provide a corrected Form 1008 and update the corresponding DTI value on the bid tape accordingly. Exception remains Buyer Comment (2026-07-27): revised 1008 and rental income worksheet upld to trl docs Reviewer Comment (2026-07-07): Our figures are as follows: -$[redacted] for [redacted], -$[redacted] for [redacted], -$[redacted] for [redacted] Total = $[redacted]. Exception Remains Buyer Comment (2026-07-06): Our figures are as follows: -$[redacted] for [redacted], -$[redacted] for [redacted][redacted] and -$[redacted][redacted] [redacted] = -$[redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225689573 | [Redacted] | [Redacted] | 36646104 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure document is missing in the file. | Reviewer Comment (2026-06-12): Received Final HUD. Exception Cleared. Buyer Comment (2026-06-10): FSS |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689575 | [Redacted] | [Redacted] | 36667283 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | Please provide master condominium insurance policy. Additional requirement may apply. | Reviewer Comment (2026-07-17): Received Hazard Dec page. Exception Cleared. Buyer Comment (2026-07-16): Hazard policy Reviewer Comment (2026-07-09): Provided document does not verify the master condominium insurance policy. Required subject master condominium policy. Exception remains. Buyer Comment (2026-07-08): Rebuttal |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689575 | [Redacted] | [Redacted] | 36669582 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent payment history for the mortgage on the subject opened [redacted] | Reviewer Comment (2026-07-24): Received verification of mortgage for the subject property which is a part of blanket mortgage. Exception cleared. Buyer Comment (2026-07-22): VOM |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689581 | [Redacted] | [Redacted] | 36664878 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Form W-8 [redacted] is missing. | Reviewer Comment (2026-06-29): Form [redacted], cleared Buyer Comment (2026-06-26): w[redacted]'s upld |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225689581 | [Redacted] | [Redacted] | 36675277 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Please override. Guarantors are foreign nationals. Passports with VISA provided. ADV report reflects error in SSN and error on Civil Court Search Report due to name/SSN mismatch, please provide updated ADV report with valid search report for guarantor. | Reviewer Comment (2026-06-29): Red flags addressed, cleared Buyer Comment (2026-06-26): please see final fraud on [redacted] and cleared red flags summary on [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225689587 | [Redacted] | [Redacted] | 36656495 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Evidence of OFAC was missing in file. | Reviewer Comment (2026-06-10): Received OFAC in the file. Exception Cleared. Buyer Comment (2026-06-09): Fraud Report |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225689587 | [Redacted] | [Redacted] | 36656499 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Evidence of OFAC was missing in file. | Reviewer Comment (2026-06-10): Received OFAC in the file. Exception Cleared. Buyer Comment (2026-06-09): Fraud |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689587 | [Redacted] | [Redacted] | 36656500 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was missing in file. | Reviewer Comment (2026-06-10): Received Fraud Report in the file. Exception Cleared. Buyer Comment (2026-06-09): Fraud |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689588 | [Redacted] | [Redacted] | 36648296 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not provided from the loan file. | Reviewer Comment (2026-06-10): Received Business Purpose Certificate. Exception Cleared. Buyer Comment (2026-06-09): BPD |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689588 | [Redacted] | [Redacted] | 36648298 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not provided in the loan file. | Reviewer Comment (2026-06-10): Received Patriot Act information form. Exception Cleared. Buyer Comment (2026-06-09): Patriot Act |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689591 | [Redacted] | [Redacted] | 36645755 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock not provided | Reviewer Comment (2026-06-19): Received Rate lock agreement. Exception Cleared. Buyer Comment (2026-06-17): Lock Reviewer Comment (2026-06-17): Rate lock date is not provided in provided document. Required initial rate lock document which confirms rate lock date or [redacted] rate lock required. Exception remains. Buyer Comment (2026-06-15): Doc Reviewer Comment (2026-06-15): Require initial rate lock document. Exception remains Buyer Comment (2026-06-11): Rate lock |
06/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225689591 | [Redacted] | [Redacted] | 36645756 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-15): [redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-06-11): LOE |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225689591 | [Redacted] | [Redacted] | 36645757 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]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. | Reviewer Comment (2026-06-15): [redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-06-11): LOE |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225689596 | [Redacted] | [Redacted] | 36646234 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | HELOC agreement was not provided. | Reviewer Comment (2026-06-24): HELOC agreement received and verified. Exception cleared. Buyer Comment (2026-06-23): Please see attached. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689596 | [Redacted] | [Redacted] | 36646271 | Credit | TRID | Document Error | TRID | [redacted] Financing reflected on the CD, however supporting documentation was not found in file. | - | Final Closing Disclosure has a Simultaneous HELOC of $[redacted]; however, the HELOC agreement or Closing Statement was not provided. | Reviewer Comment (2026-06-24): HELOC agreement received. Details verified and updated for asset. Exception cleared. Buyer Comment (2026-06-23): Please see attached. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225689596 | [Redacted] | [Redacted] | 36646374 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Additional assets of $[redacted]were required to support Cash from Borrower of $[redacted]. The Final Closing Disclosure has a Simultaneous Lien HELOC of $[redacted]; however, the HELOC agreement or Closing Statement was not provided. | Reviewer Comment (2026-06-24): HELOC agreement received. Details verified and updated for asset. Exception cleared. Buyer Comment (2026-06-23): [redacted]. Please clear |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689596 | [Redacted] | [Redacted] | 36646385 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee disclosed as $[redacted]on final LE and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-12): [redacted] received appraisal ordered document lieu of valid changed circumstance. Buyer Comment (2026-06-10): Please see attached. The reason for the fee increase was at the appraisers request. This was properly disclosed. Please clear condition. |
06/12/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225689596 | [Redacted] | [Redacted] | 36649195 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Final Closing Disclosure has a Simultaneous HELOC of $[redacted]; however, the HELOC agreement or Closing Statement was not provided. | Reviewer Comment (2026-06-24): HELOC agreement received. Details verified and updated for asset. Exception cleared. Buyer Comment (2026-06-23): [redacted]. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689596 | [Redacted] | [Redacted] | 36664113 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage is insufficient by $[redacted]based on loan amount; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Reviewer Comment (2026-06-24): The home is covered at [redacted]% replacement cost [redacted] state. Exception cleared. Buyer Comment (2026-06-23): Please see email from insurance agent which will clear this condition. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689617 | [Redacted] | [Redacted] | 36663873 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Unable to verify insurance for[redacted] | Reviewer Comment (2026-06-10): Letter of Explanation is already in file stating this is land only property so no insurance document required, Exception cleared. Buyer Comment (2026-06-09): This is a piece of land, there is no insurance on the property. Please clear condition. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225689764 | [Redacted] | [Redacted] | 36646220 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Closing statement is missing for sale proceeds from real estate assets. | Reviewer Comment (2026-06-10): Received seller closing disclosure, Exception cleared. Buyer Comment (2026-06-09): [redacted] seller cd |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689765 | [Redacted] | [Redacted] | 36675653 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Foreign national maximum LTV is [redacted]% current LTV is [redacted]less than [redacted]% (loan amount $[redacted]with purchase value $[redacted]). | Reviewer Comment (2026-07-02): LTV rounded off to the nearest whole percent. Exception cleared. Buyer Comment (2026-06-30): this defers to [redacted]/[redacted] guides. Reviewer Comment (2026-06-30): Received rebuttal with snip for truncated LTV/CLTV explanation. DSCR guide does not have information on LTV/CLTV to be truncated. Exception remains. Buyer Comment (2026-06-26): rebuttal upld |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689765 | [Redacted] | [Redacted] | 36675654 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Foreign national maximum LTV is [redacted]% current LTV is [redacted]less than [redacted]% (loan amount $[redacted]with purchase value $[redacted]). | Reviewer Comment (2026-07-02): CLTV rounded off to the nearest whole percent. Exception cleared. Buyer Comment (2026-06-30): this defers to [redacted]/[redacted] guides. Reviewer Comment (2026-06-30): Received rebuttal with snip for truncated LTV/CLTV explanation. DSCR guide does not have information on LTV/CLTV to be truncated. Exception remains. Buyer Comment (2026-06-26): rebuttal upld to trl docs |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225689766 | [Redacted] | [Redacted] | 36646453 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Difference in DTI is due to the REO property at[redacted], where the lender has included PITIA in the calculation, whereas the bank statements indicate that the PITIA payments are being made by an [redacted]. | Reviewer Comment (2026-06-15): Re-validated REO properties and income. Exception cleared. Buyer Comment (2026-06-11): Rebuttal DTI |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689766 | [Redacted] | [Redacted] | 36646461 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted]due to DTI discrepancy causing loan designation mismatch. | Reviewer Comment (2026-06-15): Information updated. Exception cleared. Reviewer Comment (2026-06-15): re open closed in error Reviewer Comment (2026-06-15): Re-validated REO properties and income. Exception cleared. |
06/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225689766 | [Redacted] | [Redacted] | 36646462 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted]due to DTI discrepancy. | Reviewer Comment (2026-06-15): Information updated. Exception cleared. Reviewer Comment (2026-06-15): re open closed in error Reviewer Comment (2026-06-15): Re-validated REO properties and income. Exception cleared. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225689880 | [Redacted] | [Redacted] | 36646114 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in [redacted]order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Date Issued should be prior to Date Received and Date Received should be prior to Signed Date. | Reviewer Comment (2026-07-20): [redacted] received lender attestation confirming borrower backdated the PCCD to the close date. PCCD not required to be signed. Buyer Comment (2026-07-16): rebuttal upld |
07/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225689880 | [Redacted] | [Redacted] | 36646118 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Provide Verification of Rent (VOR) to verify prior housing history. | Reviewer Comment (2026-06-26): Resident Ledger provided. Exception cleared Buyer Comment (2026-06-25): please see disb ledger on [redacted] and property manager email on [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 225689880 | [Redacted] | [Redacted] | 36646129 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[redacted] disclosed an escrow payment for payment stream [redacted]that does not match the actual payment for the loan. | Final Closing Disclosure provided on[redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Reviewer Comment (2026-07-20): Received closing disclosure issued [redacted]. Exception cleared. |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225689880 | [Redacted] | [Redacted] | 36646130 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted]that does not match the actual payment for the loan. | Reviewer Comment (2026-07-20): Received closing disclosure issued [redacted]. Exception cleared. |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225689880 | [Redacted] | [Redacted] | 36646131 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted] 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. | Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-06-03): Sufficient Cure Provided within [redacted] Days of Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225689880 | [Redacted] | [Redacted] | 36646132 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-06-03): Sufficient Cure Provided within [redacted] Days of Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225689880 | [Redacted] | [Redacted] | 36646133 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Transfer Tax Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-06-03): Sufficient Cure Provided within [redacted] Days of Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225689880 | [Redacted] | [Redacted] | 37019751 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted]disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of [redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated total of payments of $[redacted] | Reviewer Comment (2026-07-28): [redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-07-27): pccd docs upld |
07/28/2026 | No | 2 | B | B | B | B | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225689880 | [Redacted] | [Redacted] | 37019752 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225689880 | [Redacted] | [Redacted] | 37019753 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225689880 | [Redacted] | [Redacted] | 37019754 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225690002 | [Redacted] | [Redacted] | 36646255 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statements for property[redacted], [redacted]are missing. | Reviewer Comment (2026-06-29): Documents received. Buyer Comment (2026-06-26): note/cd for pellet st upld, statement for mentor is on [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225690002 | [Redacted] | [Redacted] | 36646259 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-29): Documents received. Buyer Comment (2026-06-26): title supplement upld |
06/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||||
| 225690002 | [Redacted] | [Redacted] | 36646264 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made [redacted] and Form [redacted]was not provided. | - | [redacted]appraisal completion document is missing. | Reviewer Comment (2026-06-29): Documents received. Buyer Comment (2026-06-26): please see [redacted] on [redacted] pages [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225690005 | [Redacted] | [Redacted] | 36664275 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided | Rental income from subject property used to qualify | Reviewer Comment (2026-06-29): Received updated 1003 and 1008 stating no rent income from the investment property. Exception Cleared. Buyer Comment (2026-06-26): Rents removed and not used. Requested bid tape correction |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225690005 | [Redacted] | [Redacted] | 36664276 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-26): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-06-24): eConsent |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225690005 | [Redacted] | [Redacted] | 36837309 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | As per the updated [redacted]document DTI ratio of [redacted]% and as per the Bid tape data DTI of [redacted]% due to subject transaction does not have rental income and result in the DTI difference. Required to correct Bid tape data as per the updated 1008 document. As per the updated [redacted]and [redacted]document subject transaction total expenses of $[redacted]and as per the provided document total monthly payment of $[redacted]. Required sufficient document to use the total expenses of the subject transaction $[redacted]. | Reviewer Comment (2026-07-07): Bid tape has been updated based on the income documents available in the file. Exception cleared. Buyer Comment (2026-07-02): Already provided updated 1003/1008 . Requested Bid tape update |
07/07/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 225690458 | [Redacted] | [Redacted] | 36648515 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. [redacted] | Reviewer Comment (2026-06-15): CDA provided. Exception cleared. Buyer Comment (2026-06-15): Please see attached. |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Purchase | D | B | C | B | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225690458 | [Redacted] | [Redacted] | 36648524 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower has requested an exception because the property is a non-warrantable condo. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-12): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-10): Please see attached. |
06/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | D | B | C | B | A | A | D | A | Non QM | Non QM | No | ||||||||
| 225690458 | [Redacted] | [Redacted] | 36648532 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee on the Closing Disclosure is $[redacted] and on the Loan Estimate is $[redacted]. No valid change circumstance in the file. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | D | B | C | B | A | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225690458 | [Redacted] | [Redacted] | 36648533 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report Fee on the Closing Disclosure is $[redacted]and on the Loan Estimate is $[redacted]. No valid change circumstance in the file. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | D | B | C | B | A | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225690557 | [Redacted] | [Redacted] | 36646327 | Credit | Income / Employment | Income Documentation | Missing Document | [redacted]Documents are missing. | - | Reviewer Comment (2026-06-11): Closing Disclosure associated. Exception cleared. Buyer Comment (2026-06-11): A mortgage statement was not available at the time of the review of this loan that closed in [redacted] as the purchase of [redacted] was a transaction happening around the same time. The final CD for this property is found in Acuity in [redacted]. Mortgage Statement is not applicable. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225690966 | [Redacted] | [Redacted] | 36656701 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-06-12): Received Closing Statement. Exception Cleared. Buyer Comment (2026-06-10): FSS |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225691831 | [Redacted] | [Redacted] | 36657187 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC Information not provided for member. | Reviewer Comment (2026-06-11): OFAC, cleared Buyer Comment (2026-06-10): OFAC |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225692092 | [Redacted] | [Redacted] | 36657115 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date[redacted], Tax Return Due Date [redacted] | Most recent signed and dated tax return is missing in the file. | Buyer Comment (2026-06-13): Please waive. Reviewer Comment (2026-06-11): This [redacted] citing is for informational purposes only. Lender may choose to waive. Buyer Comment (2026-06-09): There is an extension in the file which allows for taxes to be extended until [redacted] - Please clear condition. |
06/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225692092 | [Redacted] | [Redacted] | 36657116 | 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]). | 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. | Reviewer Comment (2026-06-26): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-06-25): Please see attached. Reviewer Comment (2026-06-16): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower [redacted] days to cancel the transaction from date of delivery. Buyer Comment (2026-06-13): Please see attached. |
06/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225692101 | [Redacted] | [Redacted] | 36680447 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the complete HUD from the closing. Page [redacted]is missing. | Reviewer Comment (2026-07-29): Received Final signed ALTA Statement. Exception Cleared. Buyer Comment (2026-07-28): All pages of the Final Signed ALTA Reviewer Comment (2026-06-12): The document([redacted]) does not include Page [redacted] of the Closing statement. A complete closing statement (all pages) from the closing is required to validate transaction details. Exception Remains. Buyer Comment (2026-06-10): Please see [redacted] and cancel. |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225692193 | [Redacted] | [Redacted] | 36656532 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee of $[redacted]was not disclosed until final CD.. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-04): Cured at closing or within [redacted] days of consummation prior to [redacted] review |
06/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225692193 | [Redacted] | [Redacted] | 36656533 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Survey fee of $[redacted]was not disclosed on initial or final LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-24): [redacted] received corrected PCCD and LOE moving the non lender require fee. Buyer Comment (2026-06-23): Please see attached correspondence from title showing that the borrower's Attorney requested the survey. I have moved the fee to section [redacted] on the PCCD and uploaded a copy with the cover letter sent to the borrower. |
06/24/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225692193 | [Redacted] | [Redacted] | 36811927 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225692285 | [Redacted] | [Redacted] | 36656588 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Missing closing disclosure from [redacted] loan on departing residence. | Reviewer Comment (2026-06-23): Final Closing Disclosure received and verified. Exception cleared Buyer Comment (2026-06-19): CD |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692285 | [Redacted] | [Redacted] | 36656590 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing tax certificate and closing disclosure from [redacted] loan on departing residence. | Reviewer Comment (2026-06-23): Final Closing Disclosure received and verified. Exception cleared Buyer Comment (2026-06-19): tax bill |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225692285 | [Redacted] | [Redacted] | 36656596 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-04): Sufficient Cure Provided At Closing |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225692665 | [Redacted] | [Redacted] | 36660576 | Credit | Credit | Credit Eligibility | Credit | Refi Purpose reflects Rate/Term and cash out is greater than the lesser of [redacted]% of the loan amount or $[redacted]. | Cash to borrower is over the greater of [redacted]% or $[redacted]threshold for rate/term transaction. | Reviewer Comment (2026-06-15): Delayed financing. Exception cleared Buyer Comment (2026-06-12): Rebuttal, delayed financing/technical refiance |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225692673 | [Redacted] | [Redacted] | 36664623 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. | Per Note, maturity date is [redacted] and per security instrument, it is [redacted] | Reviewer Comment (2026-07-13): Documentation with correct maturity date, cleared Buyer Comment (2026-07-10): [redacted]'s affidavit |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225692677 | [Redacted] | [Redacted] | 36664280 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy is missing in file. | Reviewer Comment (2026-06-29): Final title policy received confirming policy value covers loan amount. |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692677 | [Redacted] | [Redacted] | 36664281 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Require title commitment / preliminary with policy amount. | Reviewer Comment (2026-06-29): Final title policy received confirming policy value covers loan amount. Buyer Comment (2026-06-25): Title |
06/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692677 | [Redacted] | [Redacted] | 36664282 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to qualifying income difference on REO property. Lender qualifying rental income for [redacted] while calculated rental income is [redacted] | Reviewer Comment (2026-07-06): Bid tape updated, supporting documents received for exclusion of installment tradeline, DTI is now within tolerance, exception cleared. Buyer Comment (2026-07-02): Updated 1008/1003 with corrected DTI. [redacted] installment paid by business and should be excluded Reviewer Comment (2026-06-29): Provided lease agreement is already considered and through lease rental calculation is -$[redacted]. which is same as schedule E income. require rental income of -$[redacted]. Buyer Comment (2026-06-25): Used lease to qualify , rents are fine as is |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692677 | [Redacted] | [Redacted] | 36664283 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy causing loan designation mismatch. | Reviewer Comment (2026-07-06): Bid tape updated, supporting documents received for exclusion of installment tradeline, DTI is now within tolerance, exception cleared. Reviewer Comment (2026-06-29): Provided lease agreement is already considered and through lease rental calculation is -$[redacted]. which is same as schedule E income. require rental income of -$[redacted]. |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225692677 | [Redacted] | [Redacted] | 36664288 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted]due to DTI discrepancy. | Reviewer Comment (2026-07-06): Bid tape updated, supporting documents received for exclusion of installment tradeline, DTI is now within tolerance, exception cleared. Reviewer Comment (2026-06-29): Provided lease agreement is already considered and through lease rental calculation is -$[redacted]. which is same as schedule E income. require rental income of -$[redacted]. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225692683 | [Redacted] | [Redacted] | 36664236 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-16): E-Sign Consent Agreement provided and associated. Exception cleared Buyer Comment (2026-06-16): See attached |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692693 | [Redacted] | [Redacted] | 36664336 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee in loan estimate is $[redacted]and Closing Disclosure reflects it as $[redacted]. No valid Change of Circumstance in file. | Reviewer Comment (2026-06-04): Sufficient Cure Provided At Closing |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225692694 | [Redacted] | [Redacted] | 36663684 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 in recording fee. No valid Change of Circumstance was provided, nor evidence of cure in the file. | Reviewer Comment (2026-06-11): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-06-10): Please see PCCD/LOX. Title fees should have been in [redacted] with the other title fees as this was borrower shopped and not on the Settlement Service Provider List([redacted]). Should not be subject to tolerance. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225692745 | [Redacted] | [Redacted] | 36664747 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225692813 | [Redacted] | [Redacted] | 36664579 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Policy amount not provided on preliminary title. | Reviewer Comment (2026-07-02): Final title policy received, covering loan value. Buyer Comment (2026-06-30): Please see attached. |
07/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692813 | [Redacted] | [Redacted] | 36664582 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-02): Final title policy received, covering loan value. |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225692813 | [Redacted] | [Redacted] | 36664592 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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] percent fee tolerance exceeded due to recording fee being disclosed as $[redacted]and then changed on final CD to $[redacted]. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-11): [redacted] Received corrected PCCD and LOE as per closing statement. Buyer Comment (2026-06-10): Please see attached. This has already been corrected. |
06/11/2026 | 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 | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225692885 | [Redacted] | [Redacted] | 36664692 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-14): Received Hazard Insurance Policy is verified and associated, exception cleared. Buyer Comment (2026-07-10): revised hoi upld Reviewer Comment (2026-07-07): The mortgagee clause on Doc ID [redacted], Page [redacted], is incomplete, as it reflects only "[redacted]." The term "[redacted]" is missing from the provided hazard insurance policy. Please provide an updated hazard insurance policy that reflects the complete mortgagee clause as follows: [redacted] [redacted][redacted]. Exception remains. Buyer Comment (2026-07-06): please clear, the full mortgagee clause is on the hoi on [redacted], page [redacted]. Reviewer Comment (2026-06-22): Required Hazard insurance policy which includes Mortgage clause [redacted] [redacted]. Provided policy reflects only [redacted] page number [redacted] . Exception remains. Buyer Comment (2026-06-19): HOI docs |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225693020 | [Redacted] | [Redacted] | 36664496 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Recording fee has been changed. Initial Closing Disclosure [redacted] reflects $[redacted]in section[redacted], while final Closing Disclosure reflects $[redacted]. No cure provided. | Reviewer Comment (2026-07-15): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-14): Please see attached Cure Check, PCCD, Cover Letter and Proof [redacted] delivered. Reviewer Comment (2026-06-25): [redacted] received rebuttal comment however, as per file the final CD is dated [redacted] and as per which the recording fee was charged as $[redacted] at closing. The total cure required is $[redacted]. The cure provided at closing is not sufficient to cover the same. Please provide remaining cure of $[redacted] for [redacted]% tolerance. Buyer Comment (2026-06-24): Please see attached screenshot showing a partial cure for this fee was already made. [redacted] based increase of Recording fee as reflected on the [redacted] CD showing $[redacted] and we cured for that. Please update required cure amount needed. Will update PCCD and request cure check. |
07/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225693020 | [Redacted] | [Redacted] | 36664497 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-15): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-14): Please see attached Cure Check, PCCD, Cover Letter and Proof [redacted] delivered. Reviewer Comment (2026-06-25): Re-open - Cured at closing or within [redacted] days of consummation prior to [redacted] review Reviewer Comment (2026-06-25): Cured at closing or within [redacted] days of consummation prior to [redacted] review Reviewer Comment (2026-06-25): [redacted] received rebuttal comment and [redacted] but the increase in fee due to fee increased by [redacted] is not a valid reason. An increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid [redacted], Appendix, Additional Considerations, [redacted] indicates: To [redacted], see examples of sufficient vs. insufficient [redacted] reasons. Cure is required. Buyer Comment (2026-06-24): Please see attached printout that includes a [redacted] on [redacted] for increase in appraisal fee due to surcharge. Please see invoice In [redacted] dated [redacted] to support the increase. [redacted] did allow for an additional fee, however [redacted] charged a higher surcharge than expected. New fee was disclosed within [redacted] business days of discovery of the increased fee. |
07/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225693037 | [Redacted] | [Redacted] | 36664828 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]Underdisclosed -[redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of on Final Closing Disclosure provided on [redacted]are underdisclosed. | Non-escrowed property costs over Year [redacted]on Final Closing Disclosure provided on [redacted] are under-disclosed. | Reviewer Comment (2026-06-11): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-06-10): please see attached lox & pccd with non escrowed HOA amounts added to non escrow section on page [redacted] |
06/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | KS | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225693039 | [Redacted] | [Redacted] | 36664520 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Borrowers' signed/dated HUD/Closing Disclosure is missing in file. | Reviewer Comment (2026-06-29): Final closing statement has been received with sign. Exception cleared. Buyer Comment (2026-06-25): [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225693039 | [Redacted] | [Redacted] | 36680522 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a [redacted]time home buyer and ineligible per guidelines. | - | Borrower is a [redacted]time home buyer with no rental management exceperience. The [redacted]notes indicate that there is a lender exception however the exception approval is not located in the file. Lender exception for [redacted]with an [redacted]loan. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-06-30): Client elects to waive with compensating factors. Buyer Comment (2026-06-25): Exception |
06/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 225693145 | [Redacted] | [Redacted] | 36665130 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Reviewer Comment (2026-06-10): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared. Buyer Comment (2026-06-09): [redacted] is not a borrower. please cancel condition |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225694948 | [Redacted] | [Redacted] | 36664412 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225696390 | [Redacted] | [Redacted] | 36664817 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225696434 | [Redacted] | [Redacted] | 36665383 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The provided hazard insurance coverage amount is short by $[redacted] of the required sufficient coverage. | Reviewer Comment (2026-06-11): Replacement Cost Estimator document associated and information updated. Exception Cleared. Buyer Comment (2026-06-10): See [redacted] with Replacement Cost of $[redacted] and HOI pg [redacted] [redacted] with coverage of $[redacted]. Excess of coverage in the amount of $[redacted]. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225696434 | [Redacted] | [Redacted] | 36665422 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225696690 | [Redacted] | [Redacted] | 36664761 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-01): there was [redacted] done on [redacted] ([redacted]) which didn't support the value, the CDA done on [redacted] ([redacted]) reflects [redacted]% Buyer Comment (2026-07-01): please cancel, there was am [redacted] done on [redacted] ([redacted]) which didn't support the value, the CDA done on [redacted] ([redacted]) reflects [redacted]% Buyer Comment (2026-06-29): please see cda on [redacted] that supports the value |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225696690 | [Redacted] | [Redacted] | 36664765 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted]due to VVOE document dated after note date. | Reviewer Comment (2026-07-01): VVOE requirement met. Details verified and updated. Exception cleared. Buyer Comment (2026-06-29): please re-designate to qm |
07/01/2026 | 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 | B | A | A | C | B | B | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225696690 | [Redacted] | [Redacted] | 36664767 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - [redacted] | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/[redacted] employment status using reasonably reliable third-party records. | [redacted]due to VVOE document dated after note date. | Reviewer Comment (2026-07-01): VVOE requirement met. Details verified and updated. Exception cleared. Buyer Comment (2026-06-29): please re-designate to qm |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225696690 | [Redacted] | [Redacted] | 36664768 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted]due to VVOE document dated after note date. | Reviewer Comment (2026-07-01): VVOE requirement met. Details verified and updated. Exception cleared. |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225696690 | [Redacted] | [Redacted] | 36664769 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Escrow Waiver Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Escrow Waiver Fee was not disclosed on LE but disclosed as $[redacted]on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-01): [redacted] received rebuttal and COC Buyer Comment (2026-06-29): please see lock on [redacted], valid coc is on [redacted] |
07/01/2026 | 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 | B | A | A | C | B | B | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225696690 | [Redacted] | [Redacted] | 36861817 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of [redacted] matches the Due Diligence Loan Designation of [redacted] | Loan designation re-designation to [redacted] | Buyer Comment (2026-07-01): ok to waive |
07/01/2026 | No | 2 | A | B | B | B | A | FL | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | B | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225696832 | [Redacted] | [Redacted] | 36664930 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The difference in DTI is due to the calculated tax amount being $[redacted], while the amount considered on [redacted]is $[redacted]. Additionally, HOA is considered as $[redacted], but the received letter states there is no HOA on the primary property. | Reviewer Comment (2026-07-06): Updated 1008 and Hoa verification received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-02): HOA Reviewer Comment (2026-06-29): Provided tax document confirms fees of $[redacted], please provide HOA document confirming payment of $[redacted]. Buyer Comment (2026-06-25): Property docs for primary |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225696832 | [Redacted] | [Redacted] | 36664960 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: [redacted] coverage amount is insufficient. | The hazard insurance coverage is insufficient by $[redacted]. Provide an updated policy reflecting minimum coverage of $[redacted], and a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-07-06): Updated Hazard Insurance policy received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-02): Updated 1008/1003 and hazard policy |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225696881 | [Redacted] | [Redacted] | 36665333 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | 06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||||
| 225697519 | [Redacted] | [Redacted] | 36664554 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Survey 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 (2026-06-16): [redacted] received comment and updated PCCD and LOE. Survey fee is borrower elected.. Buyer Comment (2026-06-14): This is a borrower elected fee. Please clear condition. Reviewer Comment (2026-06-12): [redacted] received Post CD and LOX. However,we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-10): This is a borrower elected fee. Please see attached to clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225697519 | [Redacted] | [Redacted] | 36664557 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Earnest Money Deposit source of funds was missing in file. | Reviewer Comment (2026-06-11): Updated input. condition cleared. Reviewer Comment (2026-06-11): . Reviewer Comment (2026-06-11): Updated input. condition cancelled. Buyer Comment (2026-06-10): Please see attached. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225697590 | [Redacted] | [Redacted] | 36664719 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Asset shortfall due to EMD not having sourced documentation; [redacted]months reserves not provided in file. | Reviewer Comment (2026-06-11): Received sufficient sourced documentation for the EMD, which fulfills the closing and reserve requirements. Exception cleared. Buyer Comment (2026-06-10): [redacted] in addition is the most recent statement we have from the same account we have the earnest money from ([redacted] EMD source). With this we can use the [redacted] toward closing, and we have sufficient reserves. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225697590 | [Redacted] | [Redacted] | 36664721 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Qualifying assets for closing of $[redacted]are less than cash from borrower $[redacted]. Shortage of $[redacted]due to EMD with no sourced documentation. | Reviewer Comment (2026-06-11): Received sufficient sourced documentation for the EMD, which fulfills the closing and reserve requirements. Exception cleared. Buyer Comment (2026-06-10): [redacted] in addition is the most recent statement we have from the same account we have the earnest money from ([redacted] EMD source). With this we can use the [redacted] toward closing, and we have sufficient reserves. Buyer Comment (2026-06-10): [redacted] is the source of the Earnest money for $[redacted] |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225697590 | [Redacted] | [Redacted] | 36664727 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to EMD not having sourced documentation; [redacted]months reserves not provided in file. | Reviewer Comment (2026-06-11): Received sufficient sourced documentation for the EMD, which fulfills the closing and reserve requirements. Exception cleared. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225697590 | [Redacted] | [Redacted] | 36664728 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted] due to EMD not having sourced documentation; [redacted]months reserves not provided in file. | Reviewer Comment (2026-06-11): Received sufficient sourced documentation for the EMD, which fulfills the closing and reserve requirements. Exception cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225697590 | [Redacted] | [Redacted] | 36677538 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] due to EMD not having sourced documentation; [redacted]months reserves not provided in file. | Reviewer Comment (2026-06-11): Received sufficient sourced documentation for the EMD, which fulfills the closing and reserve requirements. Exception cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225697590 | [Redacted] | [Redacted] | 36677539 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] due to EMD not having sourced documentation; [redacted]months reserves not provided in file. | Reviewer Comment (2026-06-11): Received sufficient sourced documentation for the EMD, which fulfills the closing and reserve requirements. Exception cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225697607 | [Redacted] | [Redacted] | 36665557 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-07-01): Final Title policy received and associated, Exception Cleared. |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225697607 | [Redacted] | [Redacted] | 36665559 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-01): Final Title policy received and associated, Exception Cleared. Buyer Comment (2026-06-30): [redacted] [redacted] Found Final Title in e-folder Final Docs-Final Title Policy that reflects the policy amount of $[redacted]. Uploaded to investor for review. |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225697607 | [Redacted] | [Redacted] | 36680454 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per underwriter's final [redacted], borrower's self-employed business has commenced; however, no final [redacted]in file, and Secretary of State filing still shows an active status; thus, confirmation required that business is closed as currently shows a negative income impact. | Reviewer Comment (2026-07-06): Received evidence business has ceased operations. Condition cleared. Buyer Comment (2026-07-02): The CPA letter ([redacted]) does confirm the business is closed: Letter states they have filed their final tax return, and the business has ceased operations which means business is no longer operating., hence, business is closed. Reviewer Comment (2026-07-01): CPA letter is required to verify that business is Closed, Exception Remains. Buyer Comment (2026-06-30): Please see CPA letter in [redacted] along with Borrower statement on the [redacted] page that the business has closed. There is no Final [redacted] as this is a [redacted] business. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225697630 | [Redacted] | [Redacted] | 36665208 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee of $[redacted]not disclosed on LE's or initial CD. No valid change of circumstance or cure for borrower provided. | Reviewer Comment (2026-07-07): [redacted] received rebuttal and valid COC document Buyer Comment (2026-07-06): [redacted] locks upld, the corresponding cd is on [redacted] and coc is on [redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225697630 | [Redacted] | [Redacted] | 36665209 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report Fee in the Loan Estimate is $[redacted]and the Closing Disclosure reflects $[redacted]. No valid change of circumstance or cure for borrower provided. | Reviewer Comment (2026-07-01): Cured at closing or within [redacted] days of consummation prior to [redacted] review Buyer Comment (2026-06-29): please cancel, this was cured at closing. |
07/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225697630 | [Redacted] | [Redacted] | 36887550 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Sufficient cure provided at closing | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | TX | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225697699 | [Redacted] | [Redacted] | 36664916 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without[redacted] | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Reviewer Comment (2026-06-26): [redacted] received CD dated [redacted] Buyer Comment (2026-06-25): CD |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225697699 | [Redacted] | [Redacted] | 36678108 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $[redacted]is less than Guideline Available for Reserves of $[redacted]. | Reviewer Comment (2026-07-31): Received business entity for ownership and reserves requirement met. Exception cleared. Buyer Comment (2026-07-29): The principal/owner is [redacted]. Reviewer Comment (2026-07-21): Received business bank statements and cash flow analysis, but there is no evidence that this business is owned by co-borrower. Please provide CPA letter or operating agreement confirming ownership percentage. Buyer Comment (2026-07-17): Additional assets from [redacted] business |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225697699 | [Redacted] | [Redacted] | 36678118 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to guideline reserve requirements not met, causing loan designation mismatch. | Reviewer Comment (2026-07-31): Received business entity for ownership and reserves requirement met. Exception cleared. |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225697699 | [Redacted] | [Redacted] | 36678119 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to guideline reserve requirements not met. | Reviewer Comment (2026-07-31): Received business entity for ownership and reserves requirement met. Exception cleared. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225697985 | [Redacted] | [Redacted] | 36682907 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Date on the [redacted] line of the Security Instrument was not completed by the borrowers. | Reviewer Comment (2026-06-30): Received security instrument with date. Exception cleared. Buyer Comment (2026-06-29): recorded security instrument with dates completed upld |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225697985 | [Redacted] | [Redacted] | 36682916 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the deed transferring the property | Reviewer Comment (2026-06-30): Received warranty deed transferring the property. Exception cleared. Buyer Comment (2026-06-26): deed upld |
06/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225697985 | [Redacted] | [Redacted] | 36682919 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final signed/dated or certified stamped closing statement. | Reviewer Comment (2026-06-30): Received final closing statement. Exception cleared. Buyer Comment (2026-06-26): final ss upld, certified at bottom of age [redacted] |
06/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225698069 | [Redacted] | [Redacted] | 36666288 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-06-24): Received CDA. Condition cleared. Buyer Comment (2026-06-22): Please see the email from title confirming addresses are the same Reviewer Comment (2026-06-18): Require CDA document of subject property address "[redacted]" as available CDA is for property "[redacted]", Exception remains. Buyer Comment (2026-06-16): It's the same address, see the second condition that was cancelled, the address are the same property Reviewer Comment (2026-06-15): Available CDA is for property [redacted], require CDA for the subject property. Exception remains. Buyer Comment (2026-06-11): The CDA is [redacted] |
06/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Primary | Refinance - Cash-out - Other | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225698069 | [Redacted] | [Redacted] | 36668901 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $ [redacted]may be required. | Loan estimate is missing; the available loan estimate property address is different from the subject property address. | Reviewer Comment (2026-06-23): [redacted] received documentation from Title that address' are the same. Buyer Comment (2026-06-22): submitted title email about the address Reviewer Comment (2026-06-17): [redacted] received rebuttal comment. However, we also required attestation letter for the address of [redacted] is the same as the subject property, along with required documentation timeline on when the property was built to change the property address. Buyer Comment (2026-06-16): It's the same address, see the second condition that was cancelled, the address are the same property Reviewer Comment (2026-06-12): [redacted]: provided LE dated [redacted] property address is different from the subject property address. Provide corrected LE for testing. Buyer Comment (2026-06-11): [redacted] Is the LE |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | A | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225698074 | [Redacted] | [Redacted] | 36680080 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A letter of explanation stating an intent to list the property for sale, listing agreement for properties listed for sale, or contract for sale | Reviewer Comment (2026-06-12): As per final 1003 all properties are listed and retained by borrower no property pending for sale or departure residence. Exception Cleared. Buyer Comment (2026-06-10): please clarify as 1003 lists all properties as "retained" in [redacted] |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225698094 | [Redacted] | [Redacted] | 36672471 | 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 the file. | Reviewer Comment (2026-06-24): Title Commitment with coverage covering the loan amount received, exception cleared Buyer Comment (2026-06-22): Prelim |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225698095 | [Redacted] | [Redacted] | 36674971 | Credit | Missing Document | General | Missing Document | ACH was missing from file. | File is missing borrower's ITIN documentation, passport, Visa, Employment verification, etc. | Reviewer Comment (2026-06-10): [redacted] provided Buyer Comment (2026-06-08): Please review document [redacted] Employment Auth work |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225698106 | [Redacted] | [Redacted] | 36667239 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $ [redacted]exceeds tolerance of $ [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225698111 | [Redacted] | [Redacted] | 36667179 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit report fee amount of $ [redacted]exceeds tolerance of $ [redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225698115 | [Redacted] | [Redacted] | 36668559 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Survey fee amount of $ [redacted]not disclosed on initial or final LE. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-12): [redacted] received rebuttal, PCCD and LOE suffice Buyer Comment (2026-06-11): Please see attached. This is a borrower elected fee. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225698116 | [Redacted] | [Redacted] | 36667172 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225698120 | [Redacted] | [Redacted] | 36680562 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | [redacted] , Trustee of Trust's Birth Date was not provided. | Reviewer Comment (2026-06-11): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared. Buyer Comment (2026-06-10): please note that [redacted] is not a borrower on the loan. please cancel condition. thanks! |
06/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225698125 | [Redacted] | [Redacted] | 36672312 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final signed and dated HUD/Closing Disclosure is missing. | Reviewer Comment (2026-06-29): HUD/Closing Statement, cleared Buyer Comment (2026-06-29): fss upld |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225698125 | [Redacted] | [Redacted] | 36683009 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] signed note as individual, however, did not sign Security Instrument as individual. | Reviewer Comment (2026-06-26): Note is signed as an individual with business entity as a borrower and security instrument is signed by all the members of the borrowing business entity. Exception cleared. Buyer Comment (2026-06-25): please cancel, the borrower only signs the security instrument as member, individual [redacted] line is not needed. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225698198 | [Redacted] | [Redacted] | 36672313 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for: Property: Non-Warrantable Condo - Non-warrantable due to repairs. Pricing/conditions: Max LTV - [redacted]% |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-09): Lender Exception with Compensating Factors provided. |
06/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225698198 | [Redacted] | [Redacted] | 36672389 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution document was not found in file. | Reviewer Comment (2026-06-15): Associated operating agreement as borrower is sole owner with [redacted]% ownership of business entity. Exception cleared. Buyer Comment (2026-06-11): please see operating agreement doc [redacted] stating that borrower is sole owner and business purpose certs docs [redacted] & [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225698198 | [Redacted] | [Redacted] | 36672422 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | N/A | N/A | Yes | ||||||||||
| 225698269 | [Redacted] | [Redacted] | 36682852 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | - | Appraisal report states occupancy on subject as "Owner" and approval verifies subject is investment property. Comparable rent schedule was attached with appraisal report. | Reviewer Comment (2026-07-08): Received the corrected appraisal. Exception cleared. Buyer Comment (2026-07-06): Appraisal corrected. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225698269 | [Redacted] | [Redacted] | 36741331 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-06-18): Updated rents. Condition cleared. Buyer Comment (2026-06-17): [redacted] is using higher rent calculation from [redacted]. [redacted] is using 1007 which shows annual market rents at $[redacted] $[redacted] x [redacted] = $[redacted] $[redacted] / [redacted] = $[redacted] $[redacted] / $[redacted] = [redacted]~[redacted] Thanks! Buyer Comment (2026-06-17): 1007 |
06/18/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225698611 | [Redacted] | [Redacted] | 36672149 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[redacted]. Please provide hazard insurance with estimated replacement cost or replacement cost estimator document. | Reviewer Comment (2026-07-01): Received estimated replacement cost estimator and associated, Exception cleared Buyer Comment (2026-06-30): rce upld |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225698611 | [Redacted] | [Redacted] | 36672151 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Available reserves of $[redacted]are less than guideline required reserves of $[redacted]. Missing hud/closing statement to verify cash-out transaction on primary residence to be utilized for freserves. | Reviewer Comment (2026-06-25): Closing disclosure received and associated. Exception Cleared. Buyer Comment (2026-06-24): cd for primary upld |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225698611 | [Redacted] | [Redacted] | 36685288 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Missing hud/closing statement to verify cash-out transaction on primary residence to be utilized for funds to close and reserves. | Reviewer Comment (2026-06-25): Closing disclosure received and associated. Exception Cleared. Buyer Comment (2026-06-24): cd for primary upld to trl docs |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225698651 | [Redacted] | [Redacted] | 36672086 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted]years, and prior employment history was not documented as required. | - | Borrower has less than[redacted] years on current employment, and prior employment history was not provided. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-15): Lender Exception with Compensating Factors provided. Borrower has under [redacted] years Investment properties. Buyer Comment (2026-06-11): exception |
06/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||
| 225698651 | [Redacted] | [Redacted] | 36672087 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Borrower has less than [redacted]years on current employment, and prior employment history was not provided. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-18): Client elects to waive with compensating factors. Buyer Comment (2026-06-17): [redacted] of [redacted], please cancel |
06/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225698651 | [Redacted] | [Redacted] | 36672088 | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete | Page [redacted] of the Note document is missing, and a complete Note document is required. | Reviewer Comment (2026-06-15): Received Note - Subject Lien. Exception cleared Buyer Comment (2026-06-11): Note |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225698784 | [Redacted] | [Redacted] | 36675814 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-06): Appraisal report delivery is already in file, Exception cleared. Buyer Comment (2026-07-02): Please see printscreen showing appraisal sent to client on [redacted] in [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225698784 | [Redacted] | [Redacted] | 36675815 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted] ) business days prior to consummation. | Copy of appraisal is required to be delivered to borrower within [redacted]business days of closing. | Reviewer Comment (2026-07-06): Appraisal report delivery is already in file, Exception cleared. Buyer Comment (2026-07-02): Please see printscreen showing appraisal sent to client on [redacted] in [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225698784 | [Redacted] | [Redacted] | 36700806 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-07-06): Received updated 1008 Underwriter is not required Housing history, Exception cleared. Buyer Comment (2026-07-02): Per program guidelines, VOR is at the underwriter's discretion. Per u/w notes in file: Waive VOR as LTV is at [redacted]% and this is not needed per guidelines. I have added the notes to the 1008 and have uploaded the 1008 for your review |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225699388 | [Redacted] | [Redacted] | 36672080 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The Co-Borrower is currently receiving income from a Defined Contribution plan in the amount of $[redacted]per month. However, no supporting documentation (such as distribution statements, award letter, or account statements) has been provided to verify the continuance, frequency, and stability of this income. | Reviewer Comment (2026-06-17): Received award letter. Exception Cleared. Buyer Comment (2026-06-16): award letter and statement |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225699388 | [Redacted] | [Redacted] | 36672089 | 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 [redacted] ([redacted]) business days prior to closing. | The only Closing Disclosure provided was the final [redacted] consumer copy. | Reviewer Comment (2026-06-17): [redacted] received initial CD. Buyer Comment (2026-06-17): Initial CD Reviewer Comment (2026-06-17): [redacted] received audit trail. However, CD dated [redacted] is located in file. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower [redacted] business days prior to review. Buyer Comment (2026-06-16): audit trail |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225699388 | [Redacted] | [Redacted] | 36672094 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] due to missing income documentation - The Co-Borrower is currently receiving income from a Defined Contribution plan in the amount of $[redacted]per month. However, no supporting documentation (such as distribution statements, award letter, or account statements) has been provided to verify the continuance, frequency, and stability of this income. | Reviewer Comment (2026-06-17): Received award letter. Exception Cleared. Buyer Comment (2026-06-16): see uploaded |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225699388 | [Redacted] | [Redacted] | 36719679 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to missing income documents. | Reviewer Comment (2026-06-17): Received award letter. Exception Cleared. Buyer Comment (2026-06-16): see uploaded |
06/17/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225699388 | [Redacted] | [Redacted] | 36719680 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Failure due to missing income documents. | Reviewer Comment (2026-06-17): Received award letter. Exception Cleared. Buyer Comment (2026-06-16): see uploaded |
06/17/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225699388 | [Redacted] | [Redacted] | 36719681 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Failure due to missing income documents. | Reviewer Comment (2026-06-17): Received award letter. Exception Cleared. Buyer Comment (2026-06-16): see uploaded |
06/17/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225701790 | [Redacted] | [Redacted] | 36672418 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance Verification, Tax Verification for [redacted] | Reviewer Comment (2026-07-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-07-23): Rebuttal |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225701790 | [Redacted] | [Redacted] | 36672419 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Insurance Verification, Statement for [redacted] | Reviewer Comment (2026-06-29): Received Closing Disclosure for property [redacted], exception cleared Buyer Comment (2026-06-26): Final CD |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225701790 | [Redacted] | [Redacted] | 36672455 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Calculated DTI is [redacted]%; Tape Data reflects DTI [redacted]%. | Reviewer Comment (2026-06-30): Cleared. Updated the REO expenses. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225701790 | [Redacted] | [Redacted] | 36693491 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing the most recent [redacted]month mortgage payment history for the subject property | Reviewer Comment (2026-06-29): Received Pay history, Exception cleared Buyer Comment (2026-06-26): Pay history |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225701790 | [Redacted] | [Redacted] | 36693616 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the insurance verification for this property. | Reviewer Comment (2026-07-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-07-23): See rebuttal Reviewer Comment (2026-07-06): Property address [redacted], required insurance document or letter from the borrower if no insurance for the property. Exception Remains. Buyer Comment (2026-07-02): Impounded |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225701790 | [Redacted] | [Redacted] | 36693618 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the insurance verification for this property. | Reviewer Comment (2026-07-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-07-23): See rebuttal |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225701790 | [Redacted] | [Redacted] | 36693622 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the insurance verification for this property. | Reviewer Comment (2026-06-29): Insurance verification not required for [redacted], exception Cleared Buyer Comment (2026-06-26): [redacted] , no insurance required |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225701790 | [Redacted] | [Redacted] | 36693623 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the mortgage statement for this property. | Reviewer Comment (2026-07-06): Mortgage statement is received for the property address [redacted]. Exception Cleared. Buyer Comment (2026-07-02): Mortgage statement |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225701886 | [Redacted] | [Redacted] | 36671968 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-05): Sufficient Cure Provided At Closing |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225701886 | [Redacted] | [Redacted] | 36671979 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Requested: Exception approval/counteroffer is applicable only if the loan is registered and closing as [redacted] Expanded. Subject to meeting all other [redacted] Expanded guideline requirements. Any loan attribute limit listed above is a requirement to maintain the exception approval/counteroffer. Exception LLPA cited above is in addition to (i.e., over and above) any and all rate sheet LLPAs that apply, including (but not limited to) LLPA(s) for "full/Alt Doc FICO/LTV". | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-15): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-11): please clarify what is needed, as condition is a duplication of lender exception |
06/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225702455 | [Redacted] | [Redacted] | 36672113 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE is missing for employer "[redacted]". | Reviewer Comment (2026-06-23): Received post closed third-party verification of employment document which shows borrower is active. Exception cleared. Buyer Comment (2026-06-19): Please redesignate to QM Reviewer Comment (2026-06-18): A pre-close Verification of employment within [redacted] business days prior to closing status is a requirement on Non-QM loans. QM APOR loans do not have a similar employment verification requirement under the ATR Rule. So while a VVOE timing violation may be considered as a credit guideline requirement and cited as such on a loan, it should not have an effect on ability to repay and the Loan Designation going to QM (APOR). Buyer Comment (2026-06-17): vvoe |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225702455 | [Redacted] | [Redacted] | 36672135 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to VVOE missing for employer "[redacted]". | Reviewer Comment (2026-06-23): Received post closed third-party verification of employment document which shows borrower is active. Buyer Comment (2026-06-19): [redacted] |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225702455 | [Redacted] | [Redacted] | 36672136 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR failure due to VVOE missing for employer "[redacted]". | Reviewer Comment (2026-06-23): Loan has been redesignated as stated. Buyer Comment (2026-06-19): [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225702455 | [Redacted] | [Redacted] | 36806596 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of [redacted] QM (APOR) matches the Due Diligence Loan Designation of [redacted] QM (APOR). | The loan designation is restated. | Buyer Comment (2026-06-29): waived |
06/29/2026 | No | 2 | A | B | B | B | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225702800 | [Redacted] | [Redacted] | 36672318 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee of $[redacted]was added without any changed circumstances, no cure provided. | Reviewer Comment (2026-07-01): [redacted] received corrected PCCD and LOE with corrected fee name. Buyer Comment (2026-06-30): PCCD LOX Reviewer Comment (2026-06-17): [redacted] received rebuttal, however fee disclosed without title prefix. If fee is a title fee, corrected PCCD updating title fee and LOE are required or If fee was not required, it should be listed in [redacted] instead of [redacted]. Corrected CD and LOE required to remediate. Buyer Comment (2026-06-15): Please cancel. The fee states borrower chosen. This is in section [redacted] and is a fee the borrower shopped for. It's not subject to tolerance. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225702885 | [Redacted] | [Redacted] | 36673625 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Reviewer Comment (2026-06-15): please see title email doc [redacted] stating the taxes have not yet been segregated by the builder. doc [redacted] is printout from county site. taxes waived per escrow waiver doc [redacted] Buyer Comment (2026-06-11): please see title email doc [redacted] stating the taxes have not yet been segregated by the builder. doc [redacted] is printout from county site. taxes waived per escrow waiver doc [redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225702888 | [Redacted] | [Redacted] | 36674229 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225702889 | [Redacted] | [Redacted] | 36673791 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-09): Lender changed loan designation. Condition cleared. Buyer Comment (2026-07-07): please re-designate to qm Reviewer Comment (2026-07-01): Exception remains. The [redacted] Valuations Rule requires copies of appraisals and other written valuations be delivered to the Applicant promptly upon completion, or [redacted]([redacted]) business days before consummation, whichever is earlier. Buyer Comment (2026-06-29): please cancel, the revision was clerical only, no value change, upld [redacted] history. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 225702889 | [Redacted] | [Redacted] | 36673792 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal report dated [redacted] did not provide a copy of each valuation to applicant within three business days prior to consummation. | Reviewer Comment (2026-07-09): Lender changed loan designation. Condition cleared. Buyer Comment (2026-07-07): please re-designate to qm Reviewer Comment (2026-07-01): Exception remains. The [redacted] Valuations Rule requires copies of appraisals and other written valuations be delivered to the Applicant promptly upon completion, or [redacted]([redacted]) business days before consummation, whichever is earlier. Buyer Comment (2026-06-29): please cancel, the revision was clerical only, no value change, upld [redacted] history. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 225702889 | [Redacted] | [Redacted] | 36922804 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Lender changed loan designation, however DD review returned a designation of Higher priced QM (APOR). Lenders compliance report concurs. | Reviewer Comment (2026-07-13): Lender redesignated. Condition cleared. Buyer Comment (2026-07-09): please re-designate back to Higher priced QM (APOR), the appraisal receipts were provided in the loan file on [redacted] & [redacted] |
07/13/2026 | No | 1 | A | A | A | A | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 225702889 | [Redacted] | [Redacted] | 36960725 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | [redacted]exception for informational purposes. Client may waive. | Buyer Comment (2026-07-13): ok to waive |
07/13/2026 | No | 2 | A | B | B | B | A | AZ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||
| 225702903 | [Redacted] | [Redacted] | 36680539 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-08): Sufficient Cure Provided At Closing |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225702903 | [Redacted] | [Redacted] | 36697265 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement to confirm P&I debt obligations for departing residence. | Reviewer Comment (2026-07-16): Received the Closing Disclosure and verified the P&I payment. Exception cleared. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225702903 | [Redacted] | [Redacted] | 36697398 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to departing residence P&I obligation utilized in DTI calculation. File is missing valuation for departing residence to evidence at least [redacted]% equity and payment could not be excluded from the DTI as a result. | Reviewer Comment (2026-07-16): Excluded the P&I payment for the departing residence. The DTI is within the [redacted]% tolerance. Exception cleared Buyer Comment (2026-07-14): It appears that you are calculating the payment on the departing residence that is pending sale. Please exclude this payment. Once that is done, our DTI will match. Please clear condition. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225702903 | [Redacted] | [Redacted] | 36697426 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy causing loan designation mismatch. | Reviewer Comment (2026-07-28): Received exterior appraisal confirming marketing time under [redacted] months. [redacted] months reserve for departing residence and [redacted] months for subject required exception cleared. Buyer Comment (2026-07-24): [redacted] Reviewer Comment (2026-07-23): Appraisal report for departing residence is not provided to validate at least [redacted]% equity after deduction of all liens outstanding against the property and marketing time. Maximum of [redacted] months PITIA for departing residence has been added as per requirement $[redacted] * [redacted] = $[redacted] + $[redacted] for subject [redacted] months = $[redacted]. Exception remains. Buyer Comment (2026-07-21): [redacted] Reviewer Comment (2026-07-20): Received lender exception however the selection of compensating factors are insuffient to downgrade/waive the exception. Buyer Comment (2026-07-16): [redacted] Reviewer Comment (2026-07-16): [redacted] due to insufficient reserves. The reserve requirement is not met, as the funds reflected in the bank statements are insufficient to satisfy the required reserves of $[redacted]. Exception remains. Buyer Comment (2026-07-15): [redacted] |
07/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225702903 | [Redacted] | [Redacted] | 36697427 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to DTI discrepancy. | Reviewer Comment (2026-07-28): Received exterior appraisal confirming marketing time under [redacted] months. [redacted] months reserve for departing residence and [redacted] months for subject required exception cleared. Buyer Comment (2026-07-24): Waterfall Reviewer Comment (2026-07-23): Appraisal report for departing residence is not provided to validate at least [redacted]% equity after deduction of all liens outstanding against the property and marketing time. Maximum of [redacted] months PITIA for departing residence has been added as per requirement $[redacted] * [redacted] = $[redacted] + $[redacted] for subject [redacted] months = $[redacted]. Exception remains. Buyer Comment (2026-07-21): [redacted] Reviewer Comment (2026-07-20): Received lender exception however the selection of compensating factors are insuffient to downgrade/waive the exception. Buyer Comment (2026-07-16): [redacted] Reviewer Comment (2026-07-16): [redacted] due to insufficient reserves. The reserve requirement is not met, as the funds reflected in the bank statements are insufficient to satisfy the required reserves of $[redacted]. Exception remains. Buyer Comment (2026-07-15): [redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225702903 | [Redacted] | [Redacted] | 36997439 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reserve requirement is not met, as the funds reflected in the bank statements are insufficient for Reserves of $[redacted] . | Reviewer Comment (2026-07-28): Received exterior appraisal confirming marketing time under [redacted] months. [redacted]months reserve for departing residence and [redacted] months for subject required exception cleared. Buyer Comment (2026-07-24): Please see appraisal for departing residence. Please clear condition. Reviewer Comment (2026-07-23): Appraisal report for departing residence is not provided to validate at least [redacted]% equity after deduction of all liens outstanding against the property and marketing time. Maximum of [redacted] months PITIA for departing residence has been added as per requirement $[redacted] * [redacted] = $[redacted] + $[redacted] for subject [redacted] months = $[redacted]. Exception remains. Buyer Comment (2026-07-21): The amount avaliable for reserves is $[redacted] and the amount needed for reserves is $[redacted]. Based on this, please clear condition. Reviewer Comment (2026-07-20): Received lender exception however the selection of compensating factors are insuffient to downgrade/waive the exception. Reviewer Comment (2026-07-20): Lender exception approval provided to allow short reserves. [redacted] months for subject vs guideline requirement of [redacted] and [redacted] months on addtional property owned vs guideline requiremnt of [redacted]. Or allow use of birde loan proceeds to be used toward reserve requirement. Buyer Comment (2026-07-16): Please see attached exception which allows for less reserves. |
07/28/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225702905 | [Redacted] | [Redacted] | 36673577 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Security Agreement (Co-op) not provided | Security Agreement (Co-op) not executed by the Borrower. | Reviewer Comment (2026-06-30): Received signed and executed Co-op Security Instrument. Exception cleared. Buyer Comment (2026-06-26): Agreement |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225702905 | [Redacted] | [Redacted] | 36673701 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | Security Agreement (Co-op) not executed by the Borrower. | Reviewer Comment (2026-06-30): Received signed and executed Co-op Security Instrument. Exception cleared. Buyer Comment (2026-06-26): Security agreement |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225702906 | [Redacted] | [Redacted] | 36674143 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted] ) business days of application. | Reviewer Comment (2026-06-17): [redacted] received initial LE. Buyer Comment (2026-06-16): Initial LE signed the same date the initial application was signed. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225702906 | [Redacted] | [Redacted] | 36674154 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: [redacted] %; Bid Tape Investor Qualifying Total Debt Ratio: [redacted] %. | Reviewer Comment (2026-06-23): updated taxes for reo Reviewer Comment (2026-06-23): Please provided revised/corrected current year tax cert to match primary property taxes, as per response "$[redacted]per the tax for [redacted] ($[redacted]/[redacted])" this is for year [redacted]not for current year, also require revised [redacted]document to match HTI/DTI. Exception Remains. Buyer Comment (2026-06-22): Your [redacted]home property taxes are still incorrect. They should be $[redacted]per the tax cert for [redacted]. ($[redacted]/[redacted]) Buyer Comment (2026-06-22): Your [redacted] home property taxes are still incorrect. They should be $[redacted] per the tax cert for [redacted]. ($[redacted]/[redacted]) Reviewer Comment (2026-06-17): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception Remains. Buyer Comment (2026-06-16): updated [redacted] and your property taxes for the [redacted] home are incorrect, see LOX explanation. Buyer Comment (2026-06-16): updated [redacted] and your property taxes for the primary home are incorrect, see LOX explanation. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225702906 | [Redacted] | [Redacted] | 36674163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-08): Bid tape corrected. Exception cleared. Buyer Comment (2026-07-07): bid tape corrected, please clear |
07/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225702906 | [Redacted] | [Redacted] | 36674169 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to Diligence Investor Qualifying Total Debt Ratio: [redacted] %; Bid Tape Investor Qualifying Total Debt Ratio: [redacted] %. | Reviewer Comment (2026-07-08): Bid tape corrected. Exception cleared. Buyer Comment (2026-07-07): bid tape corrected, please clear |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225702906 | [Redacted] | [Redacted] | 36746746 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] received LE. However, the HOA Doc fee added on LE dated[redacted] for $[redacted] . Kindly provide a valid COC for the fee increase or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-06-24): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-06-23): pccd |
06/24/2026 | No | 1 | A | A | A | A | A | CA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225702910 | [Redacted] | [Redacted] | 36691423 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The Lender Exception regarding the transfer of funds from a foreign account to the settlement agent is missing. Guides require transfer of funds from a foreign account must be completed [redacted] days prior to transfer into a [redacted] with proof of wire transfer. | Reviewer Comment (2026-06-15): Received Lender exception. Exception Cleared. Buyer Comment (2026-06-12): please see attached lender exception |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225702912 | [Redacted] | [Redacted] | 36673372 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure is missing in the file | Reviewer Comment (2026-06-18): Received signed and dated HUD-1. Exception Cleared. Buyer Comment (2026-06-16): HUD |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225702913 | [Redacted] | [Redacted] | 36674317 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-06-24): Hazard Insurance Policy with Effective Date of [redacted], cleared Buyer Comment (2026-06-23): Please see attached. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | C | A | N/A | No | |||||||||||||||
| 225702913 | [Redacted] | [Redacted] | 36690430 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal is subject to completion/installation of sod as required on the purchase contract on the subject property, and [redacted] is missing. | Reviewer Comment (2026-07-02): Form [redacted], cleared Buyer Comment (2026-07-02): Please see attached. Reviewer Comment (2026-06-24): Awaiting the final inspection Buyer Comment (2026-06-23): This file has an approved escrow holdback for sod. We are monitoring the sod install with the escrow holdback department and will request the final inspection once it is indeed installed. The lock has been extended to accommodate the escrow holdback timeframe. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | C | A | N/A | No | |||||||||||||
| 225703771 | [Redacted] | [Redacted] | 36674328 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-15): E-sign Consent Agreement provided. Exception cleared Buyer Comment (2026-06-12): Compliance report |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225703811 | [Redacted] | [Redacted] | 36751714 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: LTV | Reviewer Comment (2026-06-18): Correctly captured sales price amount. Exception cleared. Buyer Comment (2026-06-17): [redacted], sales price $[redacted] Buyer Comment (2026-06-17): [redacted]is using incorrect sales price. Please see attached AOS and update to $[redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | MD | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225703814 | [Redacted] | [Redacted] | 36678202 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee of $[redacted]exceeds the allowable limit of $[redacted]by $[redacted]. A cure was not disclosed and a COC was not provided to the borrower. | Reviewer Comment (2026-06-18): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-16): This was cured at closing in section [redacted]. You can see that the $[redacted]appraisal fee that was added on the final CD was cured completely. |
06/18/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225703814 | [Redacted] | [Redacted] | 36678203 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 of $[redacted]exceeds the allowable tolerance of $[redacted]by $[redacted]. A cure was not disclosed and a COC was not provided to the borrower. | Reviewer Comment (2026-07-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-30): PCCD Reviewer Comment (2026-06-18): [redacted] received rebuttal. However, the fee increased on CD dated [redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-16): Fee was seller paid per the final CD, no cure needed. |
07/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225703959 | [Redacted] | [Redacted] | 36674216 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Complete Fraud Report is missing in file. | Reviewer Comment (2026-06-18): Received complete fraud report. Exception cleared. Buyer Comment (2026-06-16): Fraud report |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225703959 | [Redacted] | [Redacted] | 36693626 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] less than Guideline PITIA months reserves of [redacted] . | Reviewer Comment (2026-07-10): Received net proceeds from closing statement as required. Reserve requirement met. Exception cleared. Buyer Comment (2026-07-08): [redacted]and [redacted] updated to include the cash out from the bridge loan. Buyer Comment (2026-07-08): [redacted] and [redacted] updated to include the cash out from the bridge loan. Reviewer Comment (2026-07-02): This is delayed financing and cash out is not applicable to Rate/Term refinance. Exception remains Buyer Comment (2026-07-01): Reserves are from their cash out refi Reviewer Comment (2026-06-19): No new document received. Per Section [redacted]: Investor Cash Flow, [redacted] months PITIA is required for the loan amount up to $[redacted]. Exception remains. Buyer Comment (2026-06-18): reserves rebuttal |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225706261 | [Redacted] | [Redacted] | 36677374 | 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 [redacted] ([redacted]) 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]. E-sign dated [redacted] | Reviewer Comment (2026-06-29): [redacted] Received earliest e-consent dated [redacted]. Buyer Comment (2026-06-26): eConsent |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225706261 | [Redacted] | [Redacted] | 36677376 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance and insufficient cure provided. | Reviewer Comment (2026-07-17): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-16): PCCD with cure, sent out today Reviewer Comment (2026-07-06): [redacted] received rebuttal, we require additional cure of $[redacted]. Please provide cure of $[redacted]with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-02): See [redacted]page [redacted]for final CD, bottom of page [redacted]has a partial cure of $[redacted]. Can you update required cure to $[redacted]? $[redacted](LE) + [redacted]% tolerance = $[redacted] $[redacted]- $[redacted](final CD) = $-[redacted]cure ($[redacted]cure as stated in condition) $-[redacted](invest cure) + $[redacted](cure on final cd) = $-[redacted]cure only required. |
07/17/2026 | 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 | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225706261 | [Redacted] | [Redacted] | 36701163 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Using address [redacted], ID, sales price [redacted] , [redacted]. The branch has requested a rush review. [redacted]: This file has been underwritten and approved. Borrower has excellent credit and over [redacted] in post-close reserves. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-10): Lender Exception with Compensating Factors provided. |
06/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225706714 | [Redacted] | [Redacted] | 36685779 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Verification is required that the provided unsigned note with a business entity borrower, along with the [redacted] individual co-borrowers, is not valid and was not executed at closing. If this note was executed at closing, a destroyed note affidavit and additional documentation, new note, and guarantor agreement(s) will be required. Additionally, the Security Instrument shows the borrower as a business entity and signed on behalf of the business entity. | Reviewer Comment (2026-07-06): Received Corrected note. Exception Cleared. Buyer Comment (2026-07-02): Please see attached copy of corrected Note to clear condition |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225707031 | [Redacted] | [Redacted] | 36683428 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was not disclosed on initial Loan Estimate but final Closing Disclosure [redacted]. File does not contain a valid COC for this fee, nor was evidence of cure provided in the file. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225707031 | [Redacted] | [Redacted] | 36683429 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Fee was disclosed on initial Loan Estimate as [redacted] but disclosed on final Closing Disclosure [redacted]. File does not contain a valid COC for this fee, nor was evidence of cure provided in the file. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225707031 | [Redacted] | [Redacted] | 36683660 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Subject Property ineligible per guidelines: Subject property does not have the following utilities: | - | The appraisal indicates the subject has no water. | Reviewer Comment (2026-06-18): The appraisal indicates the subject has water. Exception Cleared. Buyer Comment (2026-06-17): please see attached updated appraisal with utility\water box checked and SSR reports |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225707039 | [Redacted] | [Redacted] | 36683382 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal 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 (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225707149 | [Redacted] | [Redacted] | 36683361 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. | Reviewer Comment (2026-06-22): [redacted] received valid COC document Buyer Comment (2026-06-19): Please see attached copy of COC and [redacted]CD. Kindly remove condition Reviewer Comment (2026-06-19): [redacted] received COC dated [redacted] for change in loan amount and rate but as per file there seems to be no changes on CD dated [redacted]. Please provide any missing CD which is disclosed within [redacted] business days from the date of change or cure would be due to the borrower. Buyer Comment (2026-06-17): The changes made were reflected on the [redacted] CD and [redacted] disclosed. Kindly remove condition Reviewer Comment (2026-06-17): [redacted] received COC dated [redacted].However, the fee increased on CD dated [redacted] for $[redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-06-15): Please see attached copy of COC to clear condition |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225707930 | [Redacted] | [Redacted] | 36683498 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Trustee, not required | Reviewer Comment (2026-06-17): Date of Birth not required for the trustee. Exception Cleared. Buyer Comment (2026-06-15): Not a borrower and not required. Please cancel. |
06/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NE | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225708394 | [Redacted] | [Redacted] | 36683383 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-07-22): Field review provided. Buyer Comment (2026-07-20): field rvw upld |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | B | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225708394 | [Redacted] | [Redacted] | 36683385 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-08): Title Final Policy received and verified. Exception cleared. Buyer Comment (2026-07-07): final policy upld |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | D | A | B | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225708394 | [Redacted] | [Redacted] | 36683387 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-07-08): Title Final Policy received and verified. Exception cleared. |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | D | A | B | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225708445 | [Redacted] | [Redacted] | 36683378 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-08): [redacted] received valid changed circumstance. Buyer Comment (2026-07-06): COC Reviewer Comment (2026-06-23): [redacted] received rebuttal, however rate locked on LE dated [redacted], and loan discount points increased on CD dated [redacted]. Please provide valid COC for CD dated [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-22): See [redacted] and initial lock. Rate was locked which is reason for increase. |
07/08/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225709088 | [Redacted] | [Redacted] | 36683412 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The hazard insurance coverage is insufficient by [redacted]. Provide an updated policy reflecting minimum coverage of [redacted] and a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-07-13): Per [redacted], the [redacted] requirement has been retired. Condition cleared. Reviewer Comment (2026-07-10): Coverage is insufficient of $[redacted]. Exception remains. Buyer Comment (2026-07-08): per attached [redacted] Lender Letter update dated [redacted], the bottom of page states changes to the selling guide where they are no longer requiring documentation for replacement cost value. continued on the top of page [redacted], it states that the insurance policy coverage is considered to be on a replacement cost basis Reviewer Comment (2026-07-01): Replacement cost estimator is provided in file, however insurance coverage is insufficient of $[redacted]. Exception remains. Buyer Comment (2026-06-30): please see attached RCE Reviewer Comment (2026-06-25): Please provide replacement cost estimator for shortfall. Exception remains. Buyer Comment (2026-06-24): please see attached email and policy endorsement from insurance agent Reviewer Comment (2026-06-15): Mentioned hazard policy doc id [redacted]does not have extended replacement cost, even we are using replacement cost dwelling from policy it is not sufficient. Please provide replacement cost estimator. Exception remains. Buyer Comment (2026-06-12): please see hoi doc [redacted]page [redacted]that states replacement cost dwelling #[redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225709088 | [Redacted] | [Redacted] | 36683418 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was disclosed on the initial Loan Estimate as [redacted] but disclosed on the final Closing Disclosure as [redacted]. The file does not contain a valid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225709263 | [Redacted] | [Redacted] | 36683419 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification Document was not found in file. | Reviewer Comment (2026-07-01): Tax & Insurance Verification received and associated, Exception Cleared. Buyer Comment (2026-06-30): Property docs |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225709263 | [Redacted] | [Redacted] | 36716867 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing REO documents. | Reviewer Comment (2026-07-01): Tax & Insurance Verification received and associated, Exception Cleared. Buyer Comment (2026-06-30): see property docs |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225710782 | [Redacted] | [Redacted] | 36684256 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1031 exchange agreement is missing. | Reviewer Comment (2026-06-23): Received exchange agreement. Exception cleared. Buyer Comment (2026-06-19): please see attached [redacted]closing docs received from title company Reviewer Comment (2026-06-16): [redacted]Exchange Agreement required with the proof of amount $[redacted]. Buyer Comment (2026-06-12): please see attached [redacted] exchange doc |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225710783 | [Redacted] | [Redacted] | 36684362 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Information is not provided in the file | Reviewer Comment (2026-06-23): Date of Birth not required for managing member. Exception Cleared. Buyer Comment (2026-06-19): Not required for non borrower managing member. Please cancel. |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225710785 | [Redacted] | [Redacted] | 36684707 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Data not provided for Trust member | Reviewer Comment (2026-06-19): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared. Buyer Comment (2026-06-18): [redacted]is not a borrower on the loan. please cancel condition |
06/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225710786 | [Redacted] | [Redacted] | 36684355 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A current mortgage statement for the 1st mortgage (showing breakdown of PITI), Final CD from the [redacted] loan, Tax & insurance verification documents are missing for departing residence. | Reviewer Comment (2026-07-06): Received updated mortgage payment history statement for the departure residence. Exception Cleared. Buyer Comment (2026-07-02): revised [redacted], [redacted]and mortgage statement upld, payment is $[redacted] Reviewer Comment (2026-07-01): Tax and Insurance Verification received and associated, Mortgage Statement missing for Monthly Payment of $[redacted], Exception remains. Buyer Comment (2026-06-30): cd, tax and ins upld |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225710786 | [Redacted] | [Redacted] | 36684360 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | HUD/Closing Disclosure for [redacted] loan is missing in file. | Reviewer Comment (2026-07-01): Closing Disclosure received for Bridge Loan, Exception Cleared. Buyer Comment (2026-06-30): bridge cd tax and ins upld to trl docs. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225710786 | [Redacted] | [Redacted] | 36684381 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-08): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-07): pccd docs upld |
07/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225710788 | [Redacted] | [Redacted] | 36686187 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Verification of Rent is missing. | Reviewer Comment (2026-06-19): Cleared. Payment history is located in the file. Buyer Comment (2026-06-18): [redacted] is the VOR |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225710788 | [Redacted] | [Redacted] | 36686201 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Guideline loan-to-value percentage of [redacted] exceeds calculated loan-to-value percentage of [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-19): Borrower has been employed in the same industry for more than [redacted] years. Reviewer Comment (2026-06-19): Lender exception approval provided for [redacted]% LTV with a loan amount of $[redacted]. Buyer Comment (2026-06-18): exception approval |
06/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225710788 | [Redacted] | [Redacted] | 36686202 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Guideline combined loan-to-value percentage of [redacted] exceeds calculated combined loan-to-value percentage of [redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-19): Client elects to waive with compensating factors. Reviewer Comment (2026-06-19): Lender exception approval provided for [redacted]% LTV with a loan amount of $[redacted]. Buyer Comment (2026-06-18): exception submitted |
06/19/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225710788 | [Redacted] | [Redacted] | 36686214 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | On gift letter amount [redacted], the document date was not provided. | Reviewer Comment (2026-07-01): Gift of $[redacted] not used to qualifty. [redacted] date for the the gift letter of $[redacted] is missign however the funds are reflected on the closing statement. Reviewer Comment (2026-06-26): Required signed and dated gift letter of $[redacted]to clear the exception. Exception Remains. Buyer Comment (2026-06-25): The only date required is the date of the funds transfer, which the gift letter states is the date of closing. Please cite where in the guides you are seeing that an additional date is required. Reviewer Comment (2026-06-19): The gift letter requires a [redacted] date. Buyer Comment (2026-06-18): Gift date |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225710788 | [Redacted] | [Redacted] | 36686219 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | On gift letter amount [redacted], the document date was not provided. | Reviewer Comment (2026-07-01): Gift of $[redacted]not used to qualifty. [redacted] date for the the gift letter of $[redacted] is missign however the funds are reflected on the closing statement. Reviewer Comment (2026-06-26): Required signed and dated gift letter of $[redacted]to clear the exception. Exception Remains. Buyer Comment (2026-06-25): The only date required is the date of the funds transfer, which the gift letter states is the date of closing. Please cite where in the guides you are seeing that an additional date is required. Reviewer Comment (2026-06-19): The gift letter requires a [redacted] date. Buyer Comment (2026-06-18): rebuttal submitted |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710788 | [Redacted] | [Redacted] | 36686222 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | On gift letter amount [redacted], the document date was not provided. | Reviewer Comment (2026-07-01): Gift of $[redacted]not used to qualifty. [redacted] date for the the gift letter of $[redacted] is missign however the funds are reflected on the closing statement. Reviewer Comment (2026-06-26): Required signed and dated gift letter of $[redacted] to clear the exception. Exception Remains. Buyer Comment (2026-06-25): The only date required is the date of the funds transfer, which the gift letter states is the date of closing. Please cite where in the guides you are seeing that an additional date is required. Reviewer Comment (2026-06-19): The gift letter requires a [redacted] date. Buyer Comment (2026-06-18): rebuttal submitted |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225710788 | [Redacted] | [Redacted] | 36686246 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | The date on the gift letter document was not provided. | Reviewer Comment (2026-07-01): Gift of $[redacted]not used to qualifty. [redacted] date for the the gift letter of $[redacted] is missign however the funds are reflected on the closing statement. Reviewer Comment (2026-06-26): Required signed and dated gift letter of $[redacted]to clear the exception. Exception Remains. Buyer Comment (2026-06-25): The only date required is the date of the funds transfer, which the gift letter states is the date of closing. Please cite where in the guides you are seeing that an additional date is required. Reviewer Comment (2026-06-19): The gift letter requires a [redacted] date. Buyer Comment (2026-06-18): rebuttal submitted |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710788 | [Redacted] | [Redacted] | 36716767 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | File is missing Lender exception. Exception approved on [redacted]. Assets in file are sufficient for funds to close and for reserves. All credit paid as agreed. | Reviewer Comment (2026-06-19): Cleared. Received lender exception. Buyer Comment (2026-06-18): exception submitted |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225710790 | [Redacted] | [Redacted] | 36695858 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [redacted] // Account Type: Checking / Account Number: [redacted]: Account Months Verified is less than [redacted] months, requiring [redacted] months bank statement. | Reviewer Comment (2026-06-16): Statement #[redacted]is a new account and [redacted] month statement is not available Buyer Comment (2026-06-12): Please review starting balance of $[redacted]. This is a new account that was just opened. Please clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710790 | [Redacted] | [Redacted] | 36695859 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Account Type: Money Markets / Account Number: [redacted]: Account Months Verified is less than [redacted] months, requiring [redacted] months bank statement. | Reviewer Comment (2026-06-15): [redacted]months bank statements provided. Exception cleared. Buyer Comment (2026-06-12): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710790 | [Redacted] | [Redacted] | 36695863 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to Bank Statement requirement not met. | Reviewer Comment (2026-06-16): Statement #[redacted] is a new account and [redacted] month statement is not available Buyer Comment (2026-06-12): [redacted]. Please clear. |
06/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225710790 | [Redacted] | [Redacted] | 36695864 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to Bank Statement requirement not met. | Reviewer Comment (2026-06-16): Statement #[redacted]is a new account and [redacted] month statement is not available Buyer Comment (2026-06-12): [redacted]. Please clear. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225710790 | [Redacted] | [Redacted] | 36695866 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] 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 (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225711030 | [Redacted] | [Redacted] | 36693651 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception to use brokerage account with [redacted] under a business name for passive asset income to qualify. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-11): Lender Exception with Compensating Factors provided. |
06/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225711030 | [Redacted] | [Redacted] | 36693753 | 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 [redacted] ([redacted]) 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. | E-sign consent provided on [redacted] after initial Loan Estimate. | Reviewer Comment (2026-07-14): [redacted]Received Disclosure summary showing initial disclosures mailed on [redacted]. Buyer Comment (2026-07-13): Disclosures were also mailed, see tracking screen Reviewer Comment (2026-07-06): [redacted] received e-consent dated [redacted], the consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-07-02): eConsent |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225711030 | [Redacted] | [Redacted] | 36693754 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-07-01): [redacted] received multiple CDs and COC for lock extension. Buyer Comment (2026-06-29): CDs with COC for extensions |
07/01/2026 | 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 | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225711060 | [Redacted] | [Redacted] | 36684696 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a copy of the signed/dated or certified stamp final CD from the sale of the departure residence. | Reviewer Comment (2026-06-22): Received final closing statement for [redacted], Exception Cleared. Buyer Comment (2026-06-19): [redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225711060 | [Redacted] | [Redacted] | 36684702 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Difference in DTI due to departing residence pending for sale as per Final 1003. The final CD is missing | Reviewer Comment (2026-06-22): Received final closing statement for [redacted], Exception Cleared. Buyer Comment (2026-06-19): [redacted] settlement |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225711060 | [Redacted] | [Redacted] | 36684724 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Difference in DTI due to departing residence pending for sale as per Final 1003. The final signed/dated or certified stamped CD was not in the file. | Reviewer Comment (2026-06-22): Received final closing statement for [redacted], Exception Cleared. Buyer Comment (2026-06-19): [redacted] |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225711060 | [Redacted] | [Redacted] | 36684725 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Difference in DTI due to departing residence pending for sale as per Final 1003 The final signed/dated or certified stamped CD was not in the file. | Reviewer Comment (2026-06-22): Received final closing statement for [redacted], Exception Cleared. Buyer Comment (2026-06-19): [redacted] |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225711060 | [Redacted] | [Redacted] | 36684727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The total amount of [redacted] exceeds the tolerance of [redacted] plus [redacted] or [redacted]. No valid change of circumstances was found in the file. | Reviewer Comment (2026-06-22): [redacted] received Final settlement statement, Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-06-19): PCCD for the notary fee moved to section [redacted], and the recording fees were corrected to $[redacted]. See the FSS as well. only $[redacted]in recording fees were charged. Buyer Comment (2026-06-19): PCCD for the notary fee moved to section [redacted], and the recording fees were corrected to $[redacted]. See the [redacted]as well. only $[redacted]in recording fees were charged. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225711828 | [Redacted] | [Redacted] | 36718055 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument provided was not dated by notary. | Reviewer Comment (2026-07-10): Received Security Instrument with Notary date. Exception cleared. Buyer Comment (2026-07-09): Mortgage |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OK | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715263 | [Redacted] | [Redacted] | 36696083 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Provide verification of policy with sufficient coverage or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-06-22): RCE, cleared Buyer Comment (2026-06-19): please see attached RCE report Reviewer Comment (2026-06-15): Hazard Insurance policy states replacement coverage, however extended dwelling coverage not provided in the file. Exception Remains. Buyer Comment (2026-06-12): please see hoi rce doc [redacted]page [redacted]that states replacement cost coverage |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225715267 | [Redacted] | [Redacted] | 36695968 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-30): Lender Exception with Compensating Factors provided. Reviewer Comment (2026-06-30): Exception remains, the third Party Verification document date is missing . ([redacted]) Lender Exception doesn't not address this therefore unable tp waive and downgrade. Buyer Comment (2026-06-27): LOE |
06/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225715267 | [Redacted] | [Redacted] | 36695971 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] significantly exceeds the guideline maximum of [redacted] (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | As per the 1008 and approval, the DTI is [redacted]. However, upon adding the PITI for [redacted], the DTI increases to [redacted]. There is no supporting documentation for the PITI exclusion; therefore, the DTI has increased. | Reviewer Comment (2026-06-30): Document provided Buyer Comment (2026-06-27): LOE |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715267 | [Redacted] | [Redacted] | 36695976 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The file is missing third Party Verification document date. | Reviewer Comment (2026-06-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-26): Exception Reviewer Comment (2026-06-17): Third Party Verification - Business Entity ([redacted]) sign and date is missing. Exception Remains. Buyer Comment (2026-06-15): Please provide the document number to confirm missing date. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715267 | [Redacted] | [Redacted] | 36695991 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | As per the 1008 and approval, the DTI is [redacted]. However, upon adding the PITI for [redacted], the DTI increases to [redacted]. There is no supporting documentation for the PITI exclusion; therefore, the DTI has increased. | Reviewer Comment (2026-06-30): document provided Buyer Comment (2026-06-27): LOE |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715267 | [Redacted] | [Redacted] | 36696004 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | As per the 1008 and approval, the DTI is [redacted]. However, upon adding the PITI for [redacted], the DTI increases to [redacted]. There is no supporting documentation for the PITI exclusion; therefore, the DTI has increased. | Buyer Comment (2026-06-27): LOE |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715336 | [Redacted] | [Redacted] | 36696262 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Self-Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Buyer Comment (2026-07-15): [redacted]is an [redacted]and may be waived by lender. Reviewer Comment (2026-07-13): [redacted]is an [redacted]and may be waived by lender. Buyer Comment (2026-07-09): Please see the attached standard agency guidelines on age of tax returns. Base on application date, extensions are not even required, however have been provided, and [redacted]tax returns are acceptable documentation to verify borrowers' income. Reviewer Comment (2026-07-09): Require latest year [redacted]personal Tax return and Business tax return for all Business income used, only Personal Tax Return [redacted]extension would not suffice the exception. Exception Remains. Buyer Comment (2026-07-07): [redacted]Extension for [redacted] is found in [redacted] |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | Non QM | No | ||||||||||
| 225715336 | [Redacted] | [Redacted] | 36696263 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Self-Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Buyer Comment (2026-07-15): [redacted]is an [redacted]and may be waived by lender. Reviewer Comment (2026-07-13): [redacted]is an [redacted]and may be waived by lender. Buyer Comment (2026-07-09): Please see the attached standard agency guidelines on age of tax returns. Base on application date, extensions are not even required, however have been provided, and [redacted]tax returns are acceptable documentation to verify borrowers' income. Reviewer Comment (2026-07-09): Require latest year [redacted]personal Tax return and Business tax return for all Business income used, only Personal Tax Return [redacted]extension would not suffice the exception. Exception Remains. Buyer Comment (2026-07-07): [redacted]Extension for [redacted] |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | Non QM | No | ||||||||||
| 225715336 | [Redacted] | [Redacted] | 36696264 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted] | Self-Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date[redacted] Tax Return Due Date [redacted] | Buyer Comment (2026-07-15): [redacted]is an [redacted]and may be waived by lender. Reviewer Comment (2026-07-13): [redacted]is an [redacted]and may be waived by lender. Buyer Comment (2026-07-09): Please see the attached standard agency guidelines on age of tax returns. Base on application date, extensions are not even required, however have been provided, and [redacted]tax returns are acceptable documentation to verify borrowers' income. Reviewer Comment (2026-07-09): Require latest year [redacted]personal Tax return and Business tax return for all Business income used, only Personal Tax Return [redacted]extension would not suffice the exception. Exception Remains. Buyer Comment (2026-07-07): [redacted]Extension for [redacted] is found in [redacted]. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | Non QM | No | ||||||||||
| 225715482 | [Redacted] | [Redacted] | 36696649 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] | Reviewer Comment (2026-06-23): Re-validated qualification method. Exception cleared. Buyer Comment (2026-06-19): please clarify what is needed as the loan is non qm. thanks! |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715482 | [Redacted] | [Redacted] | 36805234 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance is due to qualifying P&I [redacted] and lender's P&I [redacted] | Reviewer Comment (2026-07-24): Bid tape updated. Buyer Comment (2026-07-22): bid tape is now updated to DTI [redacted] Reviewer Comment (2026-06-30): Received revised [redacted]and [redacted]however Bid tape need to be corrected to clear this condition. Exception remains. Buyer Comment (2026-06-26): please see attached rev [redacted]& [redacted]with primary P&I updated to $[redacted]. DTI now [redacted] |
07/24/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225715482 | [Redacted] | [Redacted] | 36805240 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to DTI discrepancy. | Reviewer Comment (2026-07-24): Bid tape updated. Buyer Comment (2026-07-22): bid tape is now updated to DTI [redacted] Reviewer Comment (2026-06-30): Received revised [redacted]and [redacted]however Bid tape need to be corrected to clear this condition. Exception remains. Buyer Comment (2026-06-26): please see attached rev [redacted]& [redacted]with primary P&I updated to $[redacted]. DTI now [redacted] |
07/24/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225715482 | [Redacted] | [Redacted] | 36805241 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to DTI discrepancy. | Reviewer Comment (2026-07-24): Bid tape updated. Buyer Comment (2026-07-22): bid tape is now updated to DTI [redacted] Reviewer Comment (2026-06-30): Received revised [redacted]and [redacted]however Bid tape need to be corrected to clear this condition. Exception remains. Buyer Comment (2026-06-26): please see attached rev [redacted]& [redacted]with primary P&I updated to $[redacted]. DTI now [redacted] |
07/24/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225715489 | [Redacted] | [Redacted] | 36696245 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note - Subject Lien not provided. | Reviewer Comment (2026-07-07): Note received, exception cleared Buyer Comment (2026-07-06): note upld |
07/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NE | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225715489 | [Redacted] | [Redacted] | 36696246 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Identification document is missing. | Reviewer Comment (2026-07-07): Verification of Identification available, exception cleared. Buyer Comment (2026-07-06): the patriot acts are on[redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NE | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225715522 | [Redacted] | [Redacted] | 36695850 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | As per 1008, exception was approved for [redacted] months self-employed. Missing evidence of exception approval and compensating factors | Reviewer Comment (2026-06-17): Lender Exception received and associated. Exception cleared. Buyer Comment (2026-06-16): exception |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715522 | [Redacted] | [Redacted] | 36695851 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for [redacted] months self-employed bank statement income. Business just recently open since [redacted] | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-18): Client elects to waive wtih compensating factors. Buyer Comment (2026-06-17): [redacted]of [redacted], please cancel |
06/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225715522 | [Redacted] | [Redacted] | 36695855 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-09): Sufficient Cure Provided At Closing |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225715529 | [Redacted] | [Redacted] | 36695925 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-15): Received E-sign summary document, Exception cleared. Buyer Comment (2026-06-12): Please see attached. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225715529 | [Redacted] | [Redacted] | 36695927 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Required Business Entity Listing or CPA Letter with document date missing in loan file. | Reviewer Comment (2026-06-15): Received dated business Entity listing document, Exception cleared. Buyer Comment (2026-06-12): Please see business entity search with the date of [redacted]. Please clear condition. Buyer Comment (2026-06-12): Please see business entity search with the date of [redacted]. Please clear condition. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715529 | [Redacted] | [Redacted] | 36695931 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Required Business Entity Listing or CPA Letter with document date missing in loan file. | Reviewer Comment (2026-06-15): Received dated business Entity listing document, Exception cleared. Buyer Comment (2026-06-12): [redacted]. Please clear. |
06/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225715529 | [Redacted] | [Redacted] | 36695932 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Required Business Entity Listing or CPA Letter with document date missing in loan file. | Reviewer Comment (2026-06-15): Received dated business Entity listing document, Exception cleared. Buyer Comment (2026-06-12): [redacted]. Please clear. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715531 | [Redacted] | [Redacted] | 36720057 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for non-warrantable condo - Condotel, high percentage of Non-incidental income and [redacted] reserves in the budget. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-11): Client elects to waive with compensating factors. |
06/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225715615 | [Redacted] | [Redacted] | 36696090 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to insufficient documented equity on sold property, we are getting ATR failure. | Reviewer Comment (2026-07-14): Received Seller Closing Statement is verified and associated, exception cleared. Buyer Comment (2026-07-10): estimated hud prepared [redacted] upld Reviewer Comment (2026-07-10): The exception is due to the final HUD from sale is dated [redacted] which is after the Note date of [redacted]. Though it is on the same date as disbursement date, ATR requires document on or prior to the note date. An estimated HUD prepared on or before the Note date of [redacted] will be required. Buyer Comment (2026-07-08): please provide an update Reviewer Comment (2026-07-01): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-06-30): final hud from sale is on [redacted] |
07/14/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225715615 | [Redacted] | [Redacted] | 36696091 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Due to insufficient documented equity on sold property, we are getting ATR failure. | Reviewer Comment (2026-07-14): Received Seller Closing Statement is verified and associated, exception cleared. Buyer Comment (2026-07-10): estimated hud prepared [redacted] upld to trl docs Reviewer Comment (2026-07-10): The exception is due to the final HUD from sale is dated [redacted] which is after the Note date of [redacted]. Though it is on the same date as disbursement date, ATR requires document on or prior to the note date. An estimated HUD prepared on or before the Note date of [redacted] will be required. Buyer Comment (2026-07-08): please provide an update Reviewer Comment (2026-07-01): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-06-30): final hud from sale is on [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225715615 | [Redacted] | [Redacted] | 36696093 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance was exceeded for Loan Discount Points. The fee amount of [redacted] exceeds the tolerance of [redacted] is over the legal limit. A sufficient cure is required. | Reviewer Comment (2026-07-06): [redacted] received valid rate lock document Buyer Comment (2026-07-02): the loan was locked on [redacted], the date on the coc is incorrect. Reviewer Comment (2026-07-01): Please provide LOE/clarifying COC. the COC doc in file ([redacted]) indicates rate was locked on [redacted]. Was the rate locked on [redacted] and re-locked on [redacted]? Or was the Date of Change of [redacted] on the COC an error? Reviewer Comment (2026-07-01): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-06-30): pricing confirm and initial lock upld. loan was locked on [redacted] Buyer Comment (2026-06-30): final hud from sale is on [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225715615 | [Redacted] | [Redacted] | 36696095 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to insufficient documented equity on sold property, we are getting ATR failure. | Reviewer Comment (2026-07-14): Received Seller Closing Statement is verified and associated, exception cleared. |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716473 | [Redacted] | [Redacted] | 36696659 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure due to DD/Lender DTI matches, however the Bid tape is a discrepancy. | Reviewer Comment (2026-07-08): Bid Tape value is updated, DTI within tolerance limit, exception cleared Buyer Comment (2026-07-06): Please review data compare. We are now within the .[redacted]% variance. Please clear condition. Reviewer Comment (2026-06-16): Received updated [redacted]with correct DTI , but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-12): [redacted] |
07/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225716473 | [Redacted] | [Redacted] | 36696660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Failure due to DD/Lender DTI matches, however the Bid tape is a discrepancy. | Reviewer Comment (2026-07-08): Bid Tape value is updated, DTI within tolerance limit, exception cleared Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-06-16): Received updated [redacted]with correct DTI , but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-12): [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716473 | [Redacted] | [Redacted] | 36723423 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | The Deed for the subject property transferred to the borrowers was not included in the file. | Reviewer Comment (2026-06-24): Received deed document, Exception cleared. Buyer Comment (2026-06-23): Please see attached. |
06/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225716473 | [Redacted] | [Redacted] | 36723445 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DD DTI and lender DTI is within tolerance. The bid tape is the discrepancy | Reviewer Comment (2026-07-08): Bid Tape value is updated, DTI within tolerance limit, exception cleared Buyer Comment (2026-07-06): [redacted] Reviewer Comment (2026-06-16): Received updated [redacted]with correct DTI , but Bid Tape is still reflecting DTI [redacted]% which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-06-12): Please see updated [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225716533 | [Redacted] | [Redacted] | 36731012 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow [redacted] equity in the departing residence. The exception form, approval and compensating factors were not located in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-26): Client elects to waive with compensating factors. Buyer Comment (2026-06-24): EXCEPTION APPROVAL |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225716628 | [Redacted] | [Redacted] | 36696578 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure of[redacted] provided for this violation. | Reviewer Comment (2026-06-11): Cured at closing or within [redacted]days of consummation prior to [redacted] |
06/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225716628 | [Redacted] | [Redacted] | 36696588 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. A valid change of circumstance is missing and insufficient total cure provided at close. | Reviewer Comment (2026-07-09): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-08): Please see final CD which shows a lender credit for $[redacted]to cure the this credit report violation and $[redacted]Appraisal Fee violation (difference of .[redacted]is due to rounding) |
07/09/2026 | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225716628 | [Redacted] | [Redacted] | 36721014 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The [redacted] insurance policy for this property shows a current lien with [redacted]. The credit report shows a closed [redacted] mortgage but it has a last active date of [redacted]. This mortgage wouldn't have been listed on the insurance policy. Additional documentation showing the mortgage is paid off was not provided. | Reviewer Comment (2026-07-15): Required document received which is showing that [redacted] mortgage is paid off . Exception cleared. Buyer Comment (2026-07-13): When the HOI was issued [redacted] the borrower did have an existing loan with [redacted]Loan number [redacted]. Please see attached documentation showing the loan has been paid off. Buyer Comment (2026-07-13): When the HOI was issued [redacted] the borrower did have an existing loan with [redacted] Loan number [redacted]. Please see attached documentation showing the loan has been paid off. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716628 | [Redacted] | [Redacted] | 36922098 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225716628 | [Redacted] | [Redacted] | 36922099 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225716817 | [Redacted] | [Redacted] | 36712190 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Most recent Personal and Business tax returns for[redacted] are not provided. | Reviewer Comment (2026-06-18): Client elects to waive. Buyer Comment (2026-06-18): [redacted]extension is [redacted] |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KS | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716817 | [Redacted] | [Redacted] | 36712191 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Most recent Personal and Business tax returns for [redacted] are not provided. | Reviewer Comment (2026-06-18): Client elects to waive. Buyer Comment (2026-06-18): [redacted] is the extension |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KS | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716817 | [Redacted] | [Redacted] | 36712192 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted] | Most recent Personal and Business tax returns for [redacted] are not provided. | Reviewer Comment (2026-06-18): Client elects to waive. Buyer Comment (2026-06-18): [redacted]is the extension |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KS | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716817 | [Redacted] | [Redacted] | 36712193 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Most recent Personal and Business tax returns for[redacted] are not provided. | Reviewer Comment (2026-06-18): Client elects to waive. Buyer Comment (2026-06-18): [redacted]is the extension |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | KS | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716817 | [Redacted] | [Redacted] | 36712194 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225716817 | [Redacted] | [Redacted] | 36712900 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Balance sheet document date is not provided. | Reviewer Comment (2026-06-23): Balance sheet is not required. Exception cleared Buyer Comment (2026-06-22): Balance sheets are not required and are up to UW discretion. Please cancel or point out where in the guidelines you are seeing they are required. Reviewer Comment (2026-06-19): Provided Balance Sheet does not have as of and document date on it. Exception Remains Buyer Comment (2026-06-18): Pg [redacted]and [redacted]are the balance sheets |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716817 | [Redacted] | [Redacted] | 36713383 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to QM points and fee. | Reviewer Comment (2026-06-23): Balance sheet is not required. Exception cleared Reviewer Comment (2026-06-19): Provided Balance Sheet does not have as of and document date on it. Exception Remains Buyer Comment (2026-06-18): [redacted] |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KS | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225716817 | [Redacted] | [Redacted] | 36713384 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to QM points and fee. | Reviewer Comment (2026-06-23): Balance sheet is not required. Exception cleared Reviewer Comment (2026-06-19): Provided Balance Sheet does not have as of and document date on it. Exception Remains Buyer Comment (2026-06-18): [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716817 | [Redacted] | [Redacted] | 36723698 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement doesnt show if payment includes taxes and insurance therefore need tax and insurance statements. Also mortgage statement doesnt show property address and missing page [redacted] | Reviewer Comment (2026-07-13): Received tax certificate and Hazard insurance considered from the schedule F. Exception Cleared. Buyer Comment (2026-07-09): tax documents attached, and the insurance costs are found on the tax returns on page [redacted]. Reviewer Comment (2026-07-06): Required tax and insurance documents. Exception remains. Buyer Comment (2026-07-02): we have returns (page [redacted]) in file to evidence that the mortgage and it's carrying costs are paid by the business. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716819 | [Redacted] | [Redacted] | 36697104 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post [redacted], the subject property is in a flood zone, flood insurance is not escrowed. | Flood insurance is not escrowed. | Reviewer Comment (2026-07-01): Blanket Flood Insurance policy is provided, Flood Insurance is covered under blanket policy. Exception cleared. Buyer Comment (2026-06-30): HOA Master covers flood |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225716819 | [Redacted] | [Redacted] | 36697106 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225716819 | [Redacted] | [Redacted] | 36697117 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | [redacted] due to most recent tax return is not available in file. | Buyer Comment (2026-06-30): Ok to waive |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716819 | [Redacted] | [Redacted] | 36697118 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | [redacted] due to most recent tax return is not available in file. | Buyer Comment (2026-06-30): Ok to waive |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716821 | [Redacted] | [Redacted] | 36724269 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] | Reviewer Comment (2026-06-26): Client elects to waive. Buyer Comment (2026-06-24): Please waive |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 225716822 | [Redacted] | [Redacted] | 36699434 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-24): Received updated Title commitment with correct amount. Exception cleared. Buyer Comment (2026-06-22): title |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | ND | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225716822 | [Redacted] | [Redacted] | 36699480 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Verification of appraisal being delivered to the borrower was not provided within [redacted] business days prior to consummation date. | Reviewer Comment (2026-06-19): Appraisal Notice received. Exception cleared. Buyer Comment (2026-06-18): [redacted] |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716822 | [Redacted] | [Redacted] | 36699481 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification of appraisal being delivered to the borrower was not provided within [redacted] business days prior to consummation date. | Reviewer Comment (2026-06-19): Appraisal Notice received. Exception cleared. Buyer Comment (2026-06-18): sent to bwr |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ND | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716823 | [Redacted] | [Redacted] | 36698729 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid COC or lender cure was provided for the increase in 0% tolerance fees. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225716823 | [Redacted] | [Redacted] | 36698730 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No valid COC or lender cure was provided for the increase in 0% tolerance fees. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225716823 | [Redacted] | [Redacted] | 36698731 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid COC or lender cure was provided for the increase in 0% tolerance fees. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225716831 | [Redacted] | [Redacted] | 36720947 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guides for short-term rentals - The projected occupancy rate listed on the report must be > [redacted]. [redacted] document in file reflects [redacted] occupancy. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Lender exception with comp factors Per guides for short-term rentals - The projected occupancy rate listed on the report must be > [redacted]%. AirDna document in file reflects [redacted]% occupancy. Buyer Comment (2026-06-30): Exception Approval |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225716833 | [Redacted] | [Redacted] | 36720955 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing ownership confirmation for business account #[redacted]. | Reviewer Comment (2026-06-24): Ownership of the borrowers confirmed for business account, exception cleared. Buyer Comment (2026-06-22): Please see [redacted]. Borrower has [redacted]% ownership. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225716867 | [Redacted] | [Redacted] | 36712554 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Verification of appraisal being delivered to the borrower was not provided within [redacted] business days prior to consummation date. | Reviewer Comment (2026-06-18): Appraisal was sent on [redacted] Buyer Comment (2026-06-16): Please see attached. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716867 | [Redacted] | [Redacted] | 36712556 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant[redacted] business days prior to consummation. | Verification of appraisal being delivered to the borrower was not provided within [redacted] business days prior to consummation date. | Reviewer Comment (2026-06-18): Appraisal was sent on[redacted] Buyer Comment (2026-06-16): [redacted]. Please clear. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716935 | [Redacted] | [Redacted] | 36713811 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-25): Lease agreement not required for this REO Property. Updated[redacted]received. Exception cleared Buyer Comment (2026-06-23): Rental income not needed and eliminates the need for lease agreement. See [redacted] |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225716973 | [Redacted] | [Redacted] | 36713807 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing for property located at [redacted] | Reviewer Comment (2026-07-01): Mortgage Statement received and associated, Exception Cleared. Buyer Comment (2026-06-30): Vacant land so no insurance |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225716973 | [Redacted] | [Redacted] | 36724411 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title endorsement fee of [redacted] not disclosed on initial or final LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-07-08): [redacted] received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-07-07): PCCD with cure, sent out today |
07/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225716975 | [Redacted] | [Redacted] | 36724048 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender on all of the closing documents is [redacted], a [redacted]. However all business entity documents reflect the business entity is [redacted]. All closing documents would need to be corrected. | Reviewer Comment (2026-07-15): Received Destroyed Note affidavit and validated data. Exception Cleared. Buyer Comment (2026-07-14): Not necessary to correct each other document as long as the note and deed are correct. Buyer Comment (2026-07-14): Destroyed note Reviewer Comment (2026-07-10): Received the corrected note and security instrument, however all of the other closing documents still have the incorrect business entity borrower. In addition, a destroyed note affidavit will be required. Buyer Comment (2026-07-08): signed note Reviewer Comment (2026-06-30): UPDATE: Lender on the loan docs is correct. The issue is the borrower. The borrower on the loan documents is [redacted], however all business documents reflect the borrower as [redacted] Buyer Comment (2026-06-25): recorded mortgage correctly Reviewer Comment (2026-06-22): The borrower business entity name on all closing documents is "[redacted]". However, all business entity documents reflect the business entity name is "[redacted]". Exception remains. Buyer Comment (2026-06-18): Lender states [redacted]on closing docs |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225716975 | [Redacted] | [Redacted] | 36724055 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | The deed is missing transferring the property to the business entity borrower. The deed in the file does not match the Security instrument (prior exception set for incorrect business entity listed on the closing docs). | Reviewer Comment (2026-07-10): Received corrected note and security instrument. Condition cleared. Buyer Comment (2026-07-08): The note is being corrected, but this condition is for the warranty deed. Please cancel Reviewer Comment (2026-07-08): The note provided reflects the borrower as [redacted] instead of [redacted] Buyer Comment (2026-07-06): [redacted] is the borrower. Please cancel. Reviewer Comment (2026-06-30): The deed is in the file, however the deed is transferring to [redacted] which is not the borrower. Buyer Comment (2026-06-25): deed Reviewer Comment (2026-06-22): The borrower business entity name on all closing documents is "[redacted]". However, all business entity documents reflect the business entity name is "[redacted]". Exception remains. Buyer Comment (2026-06-18): This should clear with the first, [redacted]is listed as the lender, not the LLC |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225716976 | [Redacted] | [Redacted] | 36714233 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-19): Copy of Appraisal Notice provided. Exception cleared Buyer Comment (2026-06-18): [redacted] |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225716976 | [Redacted] | [Redacted] | 36714234 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-06-19): Copy of Appraisal Notice provided. Exception cleared Buyer Comment (2026-06-18): sent to bwr |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225717526 | [Redacted] | [Redacted] | 36714044 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Buyer Comment (2026-07-20): OK to waive EV 2 per escalation from CNR |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225717526 | [Redacted] | [Redacted] | 36714048 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The diligence Investor qualifying total debt ratio is [redacted] and Bit tape shows total debt ratio is [redacted] which is the reason for qualification method used ARM rate. | Reviewer Comment (2026-07-21): The Bid tap has-been corrected. DTI is matching with corrected 1008. Exception cleared. Buyer Comment (2026-07-20): Please see new 1008/1003. Bid Tape has been updated. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225717526 | [Redacted] | [Redacted] | 36714056 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to the diligence Investor qualifying total debt ratio is [redacted] and Bit tape shows total debt ratio is [redacted]which is the reason for qualification method used ARM rate. | Reviewer Comment (2026-07-21): The Bid tap has-been corrected. DTI is matching with corrected 1008. Exception cleared. Buyer Comment (2026-07-20): Please see new 1008/1003. Bid Tape has been updated. |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225717526 | [Redacted] | [Redacted] | 36714057 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to the diligence Investor qualifying total debt ratio is [redacted] and Bit tape shows total debt ratio is [redacted] which is the reason for qualification method used ARM rate. | Reviewer Comment (2026-07-21): The Bid tap has-been corrected. DTI is matching with corrected 1008. Exception cleared. Buyer Comment (2026-07-20): Please see new 1008/1003. Bid Tape has been updated. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225717526 | [Redacted] | [Redacted] | 36714059 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | {redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower was not provided with written disclosure of non-higher priced loans otherwise qualified for. | Buyer Comment (2026-07-20): OK to waive per [redacted]Escalation |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225717526 | [Redacted] | [Redacted] | 36714060 | Compliance | Compliance | State Compliance | State HPML | {redacted] HPML Threshold Test Non-Compliant | {redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-compliant Higher Priced Loan. | Buyer Comment (2026-07-20): OK to waive per [redacted]Escalation |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225717526 | [Redacted] | [Redacted] | 36714062 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee increased to [redacted] without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-21): [redacted]received rebuttal and valid COC Buyer Comment (2026-07-20): The increase in recording fees was due to a change in program from a fixed rate to a ARM. See LE dated [redacted] that is floating as a fixed rate. The next LE (where the recording fee increased on [redacted] now shows the loan locked as a ARM, due to the program change there are additional recording fees due to now needing an ARM Rider. COC for the lock is found in [redacted] |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225717526 | [Redacted] | [Redacted] | 36714063 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee increased to [redacted] without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-21): [redacted] received rebuttal and valid COC Buyer Comment (2026-07-20): Please see COC dated [redacted], showing COC due to loan amount change. The loan amount directly affects the transfer tax. Loan amount on initial LE was $[redacted]and the loan amount increased to $[redacted]on [redacted]. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225717527 | [Redacted] | [Redacted] | 36714179 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Provided city name does not match with Note document. | Reviewer Comment (2026-07-07): Received updated 1073 with correct address. Exception cleared. Buyer Comment (2026-07-02): Appraisal |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225718158 | [Redacted] | [Redacted] | 36715015 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided. | - | [redacted] Certificate of Completion is missing. | Reviewer Comment (2026-06-23): Received Mold Inspection Report for the subject property. Exception cleared. Buyer Comment (2026-06-19): inspection |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225718158 | [Redacted] | [Redacted] | 36715027 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower(s) within [redacted] 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. | Reviewer Comment (2026-06-19): [redacted]received disclosure tracking for initial LE. Buyer Comment (2026-06-18): initial disclosures sent by mail |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| 225718158 | [Redacted] | [Redacted] | 36715028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-06-19): [redacted]received a valid COC. Buyer Comment (2026-06-18): [redacted]details the change in circumstances causing the discount points to rise. The Loan amount changed and the appraised value was different than the estimated as well. |
06/19/2026 | 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 | B | A | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225718158 | [Redacted] | [Redacted] | 36715030 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-06-19): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-18): Cure in section [redacted] |
06/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| 225718158 | [Redacted] | [Redacted] | 36768037 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||||||||
| 225718159 | [Redacted] | [Redacted] | 36713995 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-01): Hazard Policy provided for subject property. Exception cleared. Buyer Comment (2026-06-30): Hazard |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225718159 | [Redacted] | [Redacted] | 36714003 | 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 [redacted] business days prior to closing. | Closing Disclosure was not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-07-09): [redacted]received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-07-07): ICD Reviewer Comment (2026-07-02): [redacted]received disclosure tracking for the [redacted] CD. Please provide the [redacted] CD as it is not located in file. Buyer Comment (2026-06-30): Disclosure Tracking |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225718205 | [Redacted] | [Redacted] | 36717452 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension 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. It appears some disclosures may be missing. | Reviewer Comment (2026-06-16): [redacted]received a valid COC . Buyer Comment (2026-06-15): The first rate extension was on [redacted] and the second on [redacted]. These were both disclosed to the borrower in enough time. There was a COC done for both changes. Please clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225718205 | [Redacted] | [Redacted] | 36717453 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer 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. It appears some of the disclosures may be missing. | Reviewer Comment (2026-06-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-15): Please see attached final CD. The credit has already been given to the borrower. Please clear condition. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225718205 | [Redacted] | [Redacted] | 36737329 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225720147 | [Redacted] | [Redacted] | 36718375 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI has a variance of almost [redacted] because [redacted] income was converted from a Schedule C in [redacted]. The lender considered the two-year average. (Schedule C in [redacted] and 1120-S in [redacted]). Schedule C income was calculated and excluded. The [redacted]-year average for [redacted] was added to the 1120-S income entry in order to consider the average and as per the received subject property. | Reviewer Comment (2026-07-21): REO property [redacted] borrower is not obligated on the loan he is only on title and liable to pay Tax and HOA of $[redacted]. Considering this DTI is matched with bid tape data. Buyer Comment (2026-07-20): .. Continued from previous comment. Please see [redacted]and [redacted]showing borrower's name on the HOA and Property History report verifying taxes Buyer Comment (2026-07-20): CLARITY: Proving the borrower is required to pay HOA and escrows is not required. We are using the most conservative approach by qualifying the borrower with the debt service on this property as borrower is on title to the property but not on the mortgage/note. Reviewer Comment (2026-07-14): Mortgage Statement shows property on third party name while HOA and title is on borrower's name. Require proof confirming HOA and Escrow payment is made by the borrower. Buyer Comment (2026-07-11): The Sched [redacted] business, [redacted] Driver showing on [redacted] is no longer in business, that's why it is not showing on [redacted]tax returns. This business did not change to an S Corp. The S Corp is a totally different business. Please remove the loss for the sched [redacted] Business since the business is no longer active. [redacted] income should be a positive as it appears distributions an other income was not factored in. [redacted] did not use the K1 income. Borrower is [redacted]% owner of [redacted] income $[redacted]. Income from [redacted]. Regarding REO [redacted] Borrower is not obligated on the loan he is on title only. Qualifying with debt service only $[redacted]. Please see mortgage statement [redacted]showing loan is in the name of [redacted]. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225720147 | [Redacted] | [Redacted] | 36718437 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted] Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted]. | Self-Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. ([redacted]/Schedule C) | Reviewer Comment (2026-07-14): Borrower is not qualified with Schedule [redacted] business income. No proof provided confirming continuance of this business. Buyer Comment (2026-07-11): This is not a continuing source of income. Borrower did not file for [redacted], no income/loss used. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225720147 | [Redacted] | [Redacted] | 36718442 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] 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. [redacted] | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225720147 | [Redacted] | [Redacted] | 36718493 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Reviewer Comment (2026-07-21): REO property [redacted] St borrower is not obligated on the loan he is only on title and liable to pay Tax and HOA of $[redacted]. Considering this DTI is matched with bid tape data. Buyer Comment (2026-07-20): .. Continued from previous comment. Please see [redacted]and [redacted]showing borrower's name on the HOA and Property History report verifying taxes Buyer Comment (2026-07-20): CLARITY: Proving the borrower is required to pay HOA and escrows is not required. We are using the most conservative approach by qualifying the borrower with the debt service on this property as borrower is on title to the property but not on the mortgage/note. Reviewer Comment (2026-07-14): Mortgage Statement shows property on third party name while HOA and title is on borrower's name. Require proof confirming HOA and Escrow payment is made by the borrower. Buyer Comment (2026-07-11): This appears to be a [redacted]conditions due to income conditions above. Please clear or clarify if something else is required. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225720147 | [Redacted] | [Redacted] | 36725914 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-21): REO property [redacted] borrower is not obligated on the loan he is only on title and liable to pay Tax and HOA of $[redacted]. Considering this DTI is matched with bid tape data. Buyer Comment (2026-07-20): .. Continued from previous comment. Please see [redacted] and [redacted] showing borrower's name on the HOA and Property History report verifying taxes Buyer Comment (2026-07-20): CLARITY: Proving the borrower is required to pay HOA and escrows is not required. We are using the most conservative approach by qualifying the borrower with the debt service on this property as borrower is on title to the property but not on the mortgage/note. Reviewer Comment (2026-07-14): Mortgage Statement shows property on third party name while HOA and title is on borrower's name. Require proof confirming HOA and Escrow payment is made by the borrower. Buyer Comment (2026-07-11): This appears to be a [redacted]conditions due to income conditions above. Please clear or clarify if something else is required. |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225720519 | [Redacted] | [Redacted] | 36714071 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation subject city address reflects "[redacted]", which does not match the Note and other documents that reflect "[redacted]". | Reviewer Comment (2026-07-07): Received the appraisal reflecting the same city name as the Note document. Exception cleared. Buyer Comment (2026-07-02): Appraisal |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225725195 | [Redacted] | [Redacted] | 36718769 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] on LE but disclosed as [redacted] on Final Closing Disclosure. Sufficient or excess cure was not provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-06-16): Please see attached final CD. The credit for this has already been given. Please clear the condition. |
06/17/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225725195 | [Redacted] | [Redacted] | 36718770 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Survey Fee [redacted] was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | Reviewer Comment (2026-06-17): [redacted]received rebuttal suffice. Buyer Comment (2026-06-16): A Title Plot Plan Fee is a charge assessed by a title company for obtaining, reviewing, or preparing a plot plan (sometimes called a site plan) as part of the title and closing process. This is not the same as a Survey Fee. This is a fee that is charged by the title company and was disclosed once we received title fees. Please see the prelim hud. This should be sufficent to clear condition. |
06/17/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225725195 | [Redacted] | [Redacted] | 36747656 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225725217 | [Redacted] | [Redacted] | 36720005 | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. | - | Page [redacted] of final closing disclosure is missing in file. | Reviewer Comment (2026-07-13): [redacted]received page [redacted] of final CD Buyer Comment (2026-07-10): Please see attached page [redacted] of the final consummation closing disclosure. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225725217 | [Redacted] | [Redacted] | 36720031 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | As per 1008 not considered departure residence property expenses however we not having letter of intent to sale in file for property [redacted] | Reviewer Comment (2026-07-14): Received listing agreement. Exception cleared. Buyer Comment (2026-07-10): Please see attached listing agreement |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225725217 | [Redacted] | [Redacted] | 36720055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Page [redacted] of the final Closing Disclosure is not in the file. | Reviewer Comment (2026-07-13): [redacted]received page [redacted] of final CD Buyer Comment (2026-07-10): Please see attached page [redacted] of the final consummation closing disclosure. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225725277 | [Redacted] | [Redacted] | 36720446 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal fee amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225725588 | [Redacted] | [Redacted] | 36726714 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | Documentation to support [redacted] for the second lien is not located in the file. | Reviewer Comment (2026-07-01): Note received for secondary financing. Exception cleared. Buyer Comment (2026-06-29): Note |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225725588 | [Redacted] | [Redacted] | 36769587 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225725592 | [Redacted] | [Redacted] | 36729826 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure is missing for new primary residence. | Reviewer Comment (2026-07-01): Document provided [redacted] Buyer Comment (2026-06-29): Please see attached P&I matching 1008. Kindly remove conditions Reviewer Comment (2026-06-23): Subject loan is Investment cash-out refinance and there is no evidence for borrower's primary residence expenses in file. 1008 is reflecting $[redacted]in the section of "Proposed Monthly Payments Borrower's Primary Residence". Documentation for borrower's primary residence expenses are required. Exception remains. Buyer Comment (2026-06-19): This is a cash- out refi. The $[redacted]in the 1008 is the projected housing payment for [redacted]. Kindly remove conditions Reviewer Comment (2026-06-19): 1008 is reflecting primary residence expense $[redacted]and mortgage statement for the same is missing in file. Exception remains. Buyer Comment (2026-06-18): Please clarify. There is no REO property or former address at [redacted] Reviewer Comment (2026-06-17): Mortgage Statement is missing in file for REO property as "[redacted]". Exception Remains. Buyer Comment (2026-06-16): Please see doc [redacted]page [redacted]showing Closing Disclosure. Kindly remove condition |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225725592 | [Redacted] | [Redacted] | 36729898 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing final Closing Disclosure for new primary residence. | Reviewer Comment (2026-07-09): Received Closing Disclosure is associated as statement, exception cleared. Buyer Comment (2026-07-08): Please see attached CD for primary residence. Kindly clear condition Reviewer Comment (2026-06-23): Subject loan is Investment cash-out refinance and there is no evidence for borrower's primary residence expenses in file. 1008 is reflecting $[redacted]in the section of "Proposed Monthly Payments Borrower's Primary Residence". Documentation for borrower's primary residence expenses are required. Exception remains. Buyer Comment (2026-06-19): This is a cash- out refi. The $[redacted]in the 1008 is the projected housing payment for [redacted]. Kindly remove conditions Reviewer Comment (2026-06-19): 1008 is reflecting primary residence expense $[redacted]and mortgage statement for the same is missing in file. Exception remains. Buyer Comment (2026-06-18): Please clarify. There is no REO property or former address at [redacted] Reviewer Comment (2026-06-17): Mortgage Statement is missing in file for REO property as "[redacted]". Exception Remains. Buyer Comment (2026-06-16): waterfall |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225725711 | [Redacted] | [Redacted] | 36721207 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Fee. Fee amount of [redacted] exceeds tolerance of [redacted] with no valid change of circumstances, and no cure was provided to borrower. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At Closing |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225725713 | [Redacted] | [Redacted] | 36721545 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Transaction Error: Outstanding liens were not paid at closing. | - | Final closing disclosure page [redacted] is missing - unable to confirm the debts paid at closing. | Reviewer Comment (2026-07-01): Final closing disclosure received with page [redacted] details. Buyer Comment (2026-06-29): Final CD |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Cash-out - Other | C | B | C | A | A | B | A | A | N/A | Non QM | No | ||||||||||
| 225725713 | [Redacted] | [Redacted] | 36860629 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-15): Received E-sign Consent Agreement. Exception cleared. Buyer Comment (2026-07-14): E-sign consent |
07/15/2026 | No | 1 | A | A | A | A | A | ID | Investment | Refinance - Cash-out - Other | C | B | C | A | A | B | A | A | N/A | Non QM | No | |||||||||||||||
| 225725713 | [Redacted] | [Redacted] | 37010069 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Reviewer Comment (2026-07-29): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-28): Cure docs |
07/29/2026 | No | 2 | B | B | B | B | B | ID | Investment | 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 | A | B | A | A | N/A | Non QM | Yes | ||||||||||||||
| 225725713 | [Redacted] | [Redacted] | 37010070 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Reviewer Comment (2026-07-29): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-28): See upload |
07/29/2026 | No | 2 | B | B | B | B | B | ID | Investment | 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 | A | B | A | A | N/A | Non QM | Yes | ||||||||||||||
| 225727660 | [Redacted] | [Redacted] | 36721324 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The CPA letter in file was not dated. | Reviewer Comment (2026-06-26): CPA letter received with date. Exception cleared. Buyer Comment (2026-06-25): Please see attached copy of dated CPA letter to clear conditions |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225727660 | [Redacted] | [Redacted] | 36721370 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | CPA letter provided is not dated. | Reviewer Comment (2026-06-26): CPA letter received with date. Exception cleared. Reviewer Comment (2026-06-17): Date issue is missing on CPA letter. Exception remains. Buyer Comment (2026-06-16): [redacted] |
06/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225727660 | [Redacted] | [Redacted] | 36721371 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | CPA letter provided is not dated. | Reviewer Comment (2026-06-26): CPA letter received with date. Exception cleared. Reviewer Comment (2026-06-17): Date issue is missing on CPA letter. Exception remains. Buyer Comment (2026-06-16): [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225727660 | [Redacted] | [Redacted] | 36721372 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fee was disclosed on initial Loan Estimate as [redacted] but disclosed on final Closing Disclosure [redacted]. File does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-06-30): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-06-26): Please see attached copy of PCCD and LOX to clear condition Reviewer Comment (2026-06-17): [redacted]received rebuttal comment that fee is one time and borrower elected it should have been disclosed under section [redacted]. Please provide a corrected PCCD and LOE moving the fee to correct section along with the LOE. Buyer Comment (2026-06-16): The fee in question was a one-time up front fee that was borrower chosen, and should not be in the [redacted]% calculations. Kindly remove condition |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225727660 | [Redacted] | [Redacted] | 36730399 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Date was not provided on CPA Letter. | Reviewer Comment (2026-06-26): CPA letter received with date. Exception cleared. Reviewer Comment (2026-06-17): Date issue is missing on CPA letter. Exception remains. Buyer Comment (2026-06-16): [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225727660 | [Redacted] | [Redacted] | 36730778 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance found in file for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-07-02): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-30): Please see attached copy of PCCD, LOX, LABEL, and CHECK to clear condition Reviewer Comment (2026-06-30): [redacted] received corrected PCCD and LOE. However, copy of refund check and proof of mailing to borrower was not located in trailing documents. Copy of refund check and Proof of mailing is required to borrower to complete remediation. |
07/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225727669 | [Redacted] | [Redacted] | 36721412 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
As per 1008, the underwriter considered [redacted] as primary expenses; however only [redacted] was verified. Unable to determine the difference. | Reviewer Comment (2026-07-23): Excepiton will be revisited once the updated bid tap is received Buyer Comment (2026-07-21): Bid tape should have been corrected, please clear Reviewer Comment (2026-07-17): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-07-17): Updated 1008 has been received; however, the Bid Tape DTI data is still pending update. An updated 1003 is also required to reflect the P&I information for the [redacted]residence. Exception remains. Buyer Comment (2026-07-15): Docs Reviewer Comment (2026-07-07): The borrower's total income is $[redacted], and the total liabilities amount to $[redacted]. Using the correct qualification methodology, the calculated DTI is [redacted]%. Therefore, the bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-07-02): Taxes Pg [redacted] Reviewer Comment (2026-07-01): Insurance of [redacted]is verified and updated while [redacted]shows CPL letter and [redacted]is lease agreement, please provide the document to verify and update the fees. Buyer Comment (2026-06-29): See [redacted], [redacted]and pg [redacted]. [redacted] |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225727978 | [Redacted] | [Redacted] | 36721660 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-02): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-07-01): eConsent |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225727978 | [Redacted] | [Redacted] | 36721730 | 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 [redacted] ([redacted]) business days prior to closing. | The only Closing Disclosure in file is the final CD signed/dated [redacted]. No evidence in file of borrower receipt of an initial CD at least [redacted] business days prior to closing. | Reviewer Comment (2026-07-02): [redacted]received CD dated [redacted] Buyer Comment (2026-07-01): Disclosure Tracking |
07/02/2026 | 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 | Non QM | Non QM | No | |||||||||
| 225727978 | [Redacted] | [Redacted] | 36721731 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:{redacted] 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 Credit was reduced to [redacted] on the final CD and exceeds tolerance of [redacted]. No valid Change of Circumstance found in file and no evidence of a tolerance cure, | Reviewer Comment (2026-07-02): [redacted]received valid COC dated [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225727978 | [Redacted] | [Redacted] | 36721732 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased to [redacted] to [redacted] on the final CD without a valid change of circumstance and no evidence of a tolerance cure. | Reviewer Comment (2026-07-02): [redacted]received valid COC dated [redacted] Buyer Comment (2026-07-01): ICD with COC |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225727978 | [Redacted] | [Redacted] | 36721733 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee increased to [redacted] on the final CD without a valid change of circumstance and no evidence of a tolerance cure. | Reviewer Comment (2026-07-02): [redacted]received valid COC dated [redacted] Buyer Comment (2026-07-01): See ICD with COC |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225728013 | [Redacted] | [Redacted] | 36721520 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date [redacted] does not match the Appraisal's effective date [redacted] | Reviewer Comment (2026-07-10): Corrected CDA received. Buyer Comment (2026-07-08): CDA |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | A | A | A | A | C | A | Non QM | Non QM | No | |||||||||||
| 225728184 | [Redacted] | [Redacted] | 36721683 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted] on the 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 (2026-07-14): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-14): pccd Buyer Comment (2026-07-09): Disregard last comment Buyer Comment (2026-07-09): Please clear per [redacted] Reviewer Comment (2026-06-30): [redacted] received the rebuttal comment; however, it does not provide sufficient information on why the appraisal fee was increased. Additionally, the receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received. Buyer Comment (2026-06-26): We can't correct that discrepancy because the $[redacted] has already been given to the borrower. We don't have a way of correcting the CD so that the borrower still receives $[redacted], since the correction would wipe out the cash to the borrower. This was an error in our system. Reviewer Comment (2026-06-22): [redacted]received rebuttal comment that fee was increased based on invoice received but an increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid [redacted], Appendix, Additional Considerations, Row [redacted] indicates:To illustrate, see examples of sufficient vs. insufficient COC reasons. Cure is required. Buyer Comment (2026-06-19): Please see [redacted]. The invoice states that the appraisal was ordered on [redacted], and the fee was updated on the [redacted] appraisal the very next day. |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225729332 | [Redacted] | [Redacted] | 36731751 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing [redacted] yrs W-2 transcripts to support the figures on the WVOE used for qualifying as required by guidelines when a WVOE is the only income documentation. | Reviewer Comment (2026-07-27): Received required transcripts. Cleared. Buyer Comment (2026-07-23): w2 transcripts Reviewer Comment (2026-06-29): As per guidelines, in the event that a WVOE is provided as the sole income source, W-2 transcripts must be obtained that support the figures listed on the WVOE. Exception remains. Buyer Comment (2026-06-25): Please see section Section [redacted]: Income & Employment Requirements. It does not mention tax transcripts. Transcripts would be needed if they supplied W2s and no WVOE |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225730134 | [Redacted] | [Redacted] | 36725676 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | There are red flags on the fraud report that have not been addressed and still in progress | Reviewer Comment (2026-06-24): Fraud report flags cleared Buyer Comment (2026-06-24): [redacted]Connect |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225730223 | [Redacted] | [Redacted] | 36723140 | 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]). | Finance charge is under disclosed by [redacted]. It appears the Attorneys Fee of [redacted] was not included in the prepaid finance charges. | Reviewer Comment (2026-06-29): [redacted] received lender attestation that title-tax cert is one time fee is not a life of loan service Buyer Comment (2026-06-26): Please remove Title Tax cert from APR. Tax Cert Fee Attestation |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225732732 | [Redacted] | [Redacted] | 36727320 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | One of CPA letter is not dated. | Reviewer Comment (2026-06-24): Income details corrected, Exception cleared. Buyer Comment (2026-06-22): [redacted]is page [redacted] to the P&L [redacted]which is dated[redacted] making the CPA letter date[redacted] Reviewer Comment (2026-06-17): Please provide document date on CPA Letter DOC ID [redacted] to clear the exception. Exception Remains. Buyer Comment (2026-06-15): Please provide document number to confirm missing date |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225732732 | [Redacted] | [Redacted] | 36727324 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to one of CPA letter is not dated. | Reviewer Comment (2026-06-24): Income details corrected, Exception cleared. |
06/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225732732 | [Redacted] | [Redacted] | 36727325 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to {redacted] of CPA letter is not dated. | Reviewer Comment (2026-06-24): Income details corrected, Exception cleared. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225732732 | [Redacted] | [Redacted] | 36727326 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee disclosed as [redacted] on Loan Estimate dated [redacted] but disclosed as [redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-25): [redacted]received COC and LOE dated [redacted] Buyer Comment (2026-06-23): doc |
06/25/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225732825 | [Redacted] | [Redacted] | 36722119 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | An IRS form [redacted], Certificate of Foreign Status must be filed with the IRS (all Applicants). A copy of the Certificate must be retained in the file. | Reviewer Comment (2026-07-10): Received Form [redacted] , Certificate of Foreign status for Both Borrowers verified and associated. Exception cleared. Buyer Comment (2026-07-08): Please see attached [redacted] for both borrowers. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225732825 | [Redacted] | [Redacted] | 36722122 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC is required for business entity. | Reviewer Comment (2026-07-10): Received OFAC for Borrower Business Entity verified and updated. Exception cleared. Buyer Comment (2026-07-08): Please see attached fraud report with [redacted] scanned including OFAC |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225733091 | [Redacted] | [Redacted] | 36721878 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception has been raised that non-warrantable due to ongoing critical repairs. Compensating Factors: 1. Loan-to-Value [redacted] or more 2. FICO [redacted] points or more above requirement 3. Total debt [redacted] or more under requirement 4. Residual Income[redacted] 5. Long-Term Home Ownership (>[redacted]years) 6. Minimal Consumer Debt. Exception has been approved along with the following conditions: 1. Maximum [redacted] LTV 2. [redacted] per the rate sheet 3. The loan is currently in [redacted] [redacted] Confirming [redacted] -Year Fixed 4. Subject to meeting all other [redacted] Expanded guideline requirements. | Borrower has owned the subject property for at least [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-15): Lender Exception with Compensating Factors provided. Downgraded and Waived. |
06/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||
| 225733091 | [Redacted] | [Redacted] | 36722008 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to missing third-party verification for [redacted]. Most recent business and personal tax return. | Reviewer Comment (2026-06-29): Updated income figures. Condition cleared. Reviewer Comment (2026-06-23): Require most recent signed and dated 1040 or business tax transcript along with third party verification of [redacted] |
06/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | B | A | Non QM | Non QM | Yes | |||||||||
| 225733091 | [Redacted] | [Redacted] | 36722009 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - [redacted] | Ability to Repay (Dodd-Frank 2014): Unable to verify [redacted] income using reasonably reliable third-party records. | [redacted] due to missing third-party verification for [redacted]Most recent business and personal tax return. | Reviewer Comment (2026-06-29): Updated income figures. Condition cleared. Reviewer Comment (2026-06-23): Require most recent signed and dated 1040 or business tax transcript along with third party verification of [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225733091 | [Redacted] | [Redacted] | 36722010 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - [redacted] | Ability to Repay (Dodd-Frank 2014): Unable to verify [redacted] income using reasonably reliable third-party records. | [redacted] due to missing third-party verification for [redacted] Most recent business and personal tax return. | Reviewer Comment (2026-06-29): Updated income figures. Condition cleared. Reviewer Comment (2026-06-23): Require most recent signed and dated 1040 or business tax transcript along with third party verification of [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225733091 | [Redacted] | [Redacted] | 36722011 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing third-party verification for [redacted]. Most recent business and personal tax return. | Reviewer Comment (2026-06-29): Updated income figures. Condition cleared. Reviewer Comment (2026-06-23): Require most recent signed and dated 1040 or business tax transcript along with third party verification of [redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225733091 | [Redacted] | [Redacted] | 36722027 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not within [redacted] business days of the Note date. | Reviewer Comment (2026-06-23): Verification of employment received within [redacted]business days of the Note date. Buyer Comment (2026-06-22): [redacted]is the vvoe |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225733091 | [Redacted] | [Redacted] | 36722036 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Verification of employment is not dated within [redacted] business days of the Note date. | Reviewer Comment (2026-06-29): Updated income figures. Condition cleared. Reviewer Comment (2026-06-23): Require most recent signed and dated 1040 or business tax transcript along with third party verification of [redacted] Buyer Comment (2026-06-22): [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225733091 | [Redacted] | [Redacted] | 36732359 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Please provide signed and dated appraisal transfer letter from [redacted] to [redacted] | Reviewer Comment (2026-06-29): Located in the file. Condition cleared. Reviewer Comment (2026-06-23): Require appraisal transfer letter from [redacted]. This document does not show it got transferred to [redacted]. Buyer Comment (2026-06-22): [redacted]is the appraisal release |
06/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225733091 | [Redacted] | [Redacted] | 36733073 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Reviewer Comment (2026-06-29): Updated income figures. Condition cleared. Buyer Comment (2026-06-29): [redacted]is the business transcript, and the third party verification isn't required since we're not using income Reviewer Comment (2026-06-23): Require most recent signed and dated 1040 or business tax transcript along with third party verification of [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | |||||||||||
| 225733091 | [Redacted] | [Redacted] | 36733089 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] due to missing third-party verification for [redacted]. Most recent business and personal tax return. Verification of employment is not dated within [redacted] business days of the Note date. | Reviewer Comment (2026-06-29): Updated income figures. Condition cleared. Reviewer Comment (2026-06-23): Require most recent signed and dated 1040 or business tax transcript along with third party verification of[redacted] Buyer Comment (2026-06-22): Tax returns are only required at the UW's discretion. Additionally we have the personal and business tax transcripts. Please cancel |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | B | A | Non QM | Non QM | No | |||||||||||
| 225733141 | [Redacted] | [Redacted] | 36724046 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-02): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-07-01): eConsent |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733141 | [Redacted] | [Redacted] | 36724066 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-07-02): Received Hazard Insurance Policy. Exception cleared. Buyer Comment (2026-07-01): Hazard |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225733141 | [Redacted] | [Redacted] | 36731843 | Credit | Guideline | Guideline Issue | Guideline | Borrower does not meet the guideline requirements for a non-permanent resident alien. | Holders of the following visa categories are eligible for financing: [redacted] and [redacted] visa. | Reviewer Comment (2026-07-06): Cleared. Received employment authorization card. Buyer Comment (2026-07-01): ID docs |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225733535 | [Redacted] | [Redacted] | 36727293 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-06-23): CDA provided. Exception cleared Buyer Comment (2026-06-22): CDA |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225733535 | [Redacted] | [Redacted] | 36727318 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-27): Client elects to waive with compensating factors. Reviewer Comment (2026-07-27): Lender exception approval provided for onle month PITIA reserves for the subject and [redacted]th's of a month for each REO. Buyer Comment (2026-07-23): exception approval Reviewer Comment (2026-06-30): Received lender exception to use [redacted] months PITIA on the subject and [redacted] month for the remainder of the properties. This would be in the amount of $[redacted], however the borrower only has $[redacted]in available funds for reserves. Reviewer Comment (2026-06-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated Available for Reserves of $[redacted] is less than Guideline Available for Reserves of $[redacted]. Reviewer Comment (2026-06-24): Lender exception approval provided for reserve shortage. Using [redacted] months PITIA reserves for the subject and [redacted] month for each finance REO. The verified reserves of $[redacted]is less than $[redacted] as required by the lender exception approval. Buyer Comment (2026-06-22): exception for reserves |
07/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||
| 225733535 | [Redacted] | [Redacted] | 36732366 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-07-27): Received updated bid tape. Reviewer Comment (2026-07-27): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-07-22): Received corrected 1008 however updated bid tape required to clear this condition. Exception remains. Buyer Comment (2026-07-20): updated urla and 1008 Buyer Comment (2026-07-20): DTI and lease agreement Reviewer Comment (2026-06-30): Received CD for the borrower's primary with the correct PITIA payment, however DTI remains slightly off. [redacted]st mortgage (res) $[redacted], REO loss $[redacted], Other debt $[redacted]which totals $[redacted]. DTI is now [redacted]%. Lender updated 1008 reflects a DTI of [redacted]%. Bid tape at [redacted]%. Reviewer Comment (2026-06-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-06-23): Primary PITI expense $[redacted]total credit debt $[redacted]and REO Negative Cash [redacted]. Qualifying Total Debt Ratio is [redacted]%. Exception Remains Buyer Comment (2026-06-22): 1008 and urla Buyer Comment (2026-06-22): [redacted] Buyer Comment (2026-06-22): urla and 1008 Buyer Comment (2026-06-22): rebuttal |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | ||||||||||||
| 225733535 | [Redacted] | [Redacted] | 36851532 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The lease agreement is missing for this property. Lender is using rents. | Reviewer Comment (2026-07-22): Received updated 1003 and 1008. Exception cleared. Buyer Comment (2026-07-20): . |
07/22/2026 | No | 1 | A | A | A | A | A | MA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||||||
| 225733537 | [Redacted] | [Redacted] | 36726732 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation updated as per guidelines. | Reviewer Comment (2026-07-02): Received third party. Cleared. Buyer Comment (2026-07-01): Please see attached cert of good standing to clear condition. |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225733537 | [Redacted] | [Redacted] | 36726733 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | [redacted] due to missing third-party verification for [redacted] unable to confirm start date and duration. | Reviewer Comment (2026-07-02): Received third party. Cleared. Buyer Comment (2026-07-01): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733537 | [Redacted] | [Redacted] | 36726734 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | [redacted] due to missing third-party verification for[redacted], unable to confirm start date and duration. | Reviewer Comment (2026-07-02): Received third party. Cleared. Buyer Comment (2026-07-01): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733537 | [Redacted] | [Redacted] | 36726736 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing third-party verification for[redacted] unable to confirm start date and duration. | Reviewer Comment (2026-07-02): Received third party. Cleared. |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733537 | [Redacted] | [Redacted] | 36732682 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] due to missing third-party verification for [redacted], unable to confirm start date and duration. | Reviewer Comment (2026-07-02): Received third party. Cleared. Buyer Comment (2026-07-01): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225733537 | [Redacted] | [Redacted] | 36732709 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to missing third-party verification for [redacted] unable to confirm start date and duration. | Reviewer Comment (2026-07-02): Received third party. Cleared. Buyer Comment (2026-07-01): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733537 | [Redacted] | [Redacted] | 36732710 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] due to missing third-party verification for [redacted] unable to confirm start date and duration. | Reviewer Comment (2026-07-02): Received third party. Cleared. Buyer Comment (2026-07-01): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733546 | [Redacted] | [Redacted] | 36731695 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Credit report was not provided to validate FICO score. | Reviewer Comment (2026-06-25): FICO score is not required for foreign national. Exception cleared. Buyer Comment (2026-06-23): please note program is [redacted] Expanded Foreign National, no credit score required |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225733573 | [Redacted] | [Redacted] | 36726799 | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Minor difference and rounded value in approval. | Reviewer Comment (2026-07-08): The bid tape data has been corrected for DTI ratio. Exception cleared. Buyer Comment (2026-07-07): The bid tape has been corrected, please clear. Reviewer Comment (2026-06-24): Updated 1008 provided. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted]would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-06-23): corrected DTI |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225733573 | [Redacted] | [Redacted] | 36726802 | 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 [redacted] 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. | Loan Estimate not delivered to borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-06-24): [redacted] received Earliest E-Consent dated[redacted] Buyer Comment (2026-06-23): econsent |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733573 | [Redacted] | [Redacted] | 36726807 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Investor Qualifying Total Debt Ratio: [redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] | Reviewer Comment (2026-07-08): The bid tape data has been corrected for DTI ratio. Exception cleared. Buyer Comment (2026-07-07): The bid tape has been corrected, please clear. Reviewer Comment (2026-06-24): Updated 1008 provided. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted]would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-06-23): Corrected 1008 submitted |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225733573 | [Redacted] | [Redacted] | 36726815 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-08): The bid tape data has been corrected for DTI ratio. Exception cleared. Buyer Comment (2026-07-07): The bid tape has been corrected, please clear. Reviewer Comment (2026-06-25): Revised corrected and Updated 1008 provided and exception not related to VVOE requirement. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI, also Exception remains Buyer Comment (2026-06-23): [redacted]is the voe dated within [redacted] days of the note date |
07/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225733573 | [Redacted] | [Redacted] | 36726816 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Third party verification is not provided within [redacted] days of Note. | Reviewer Comment (2026-07-08): The bid tape data has been corrected for DTI ratio. Exception cleared. Buyer Comment (2026-07-07): The bid tape has been corrected, please clear. Reviewer Comment (2026-06-25): Revised corrected and Updated 1008 provided and exception not related to VVOE requirement. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI, also Exception remains Buyer Comment (2026-06-23): [redacted]is the voe |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733577 | [Redacted] | [Redacted] | 36728127 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | [redacted] page of Final Closing Disclosure is missing. | Reviewer Comment (2026-06-26): [redacted]received all pages of[redacted] final CD Buyer Comment (2026-06-25): CD |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225733577 | [Redacted] | [Redacted] | 36904583 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | A CPA/EA/licensed tax preparer's letter stating that the use of the funds in the transaction will not have a material adverse impact on the business' operations is not located in the file. | Reviewer Comment (2026-07-14): Cash flow analysis received. Buyer Comment (2026-07-10): Updated Worksheet Reviewer Comment (2026-07-10): Guideline requires most recent [redacted] of business activity to be reviewed in Business Asset Cash Flow Worksheet. Provided worksheet has only [redacted] months reviewed. Exception remains. Buyer Comment (2026-07-09): Guidelines stated "CPA/EA/licensed tax preparer's letter stating that the use of the funds in the transaction will not have a material adverse impact on the business' operations, OR Complete a Cash Flow Analysis utilizing the [redacted] Expanded Business Asset Cash Flow Worksheet:" See upload |
07/14/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225733577 | [Redacted] | [Redacted] | 36935334 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Missing [redacted] months cash flow analysis / CPA/EA/licensed tax preparer's letter stating that the use of the funds in the transaction will not have a material adverse impact on the business' operations for business account. |
Reviewer Comment (2026-07-14): Cash flow analysis received. Buyer Comment (2026-07-10): See Updated Worksheet |
07/14/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225733577 | [Redacted] | [Redacted] | 36935336 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to reserve requirement not met. | Reviewer Comment (2026-07-14): Cash flow analysis received. Buyer Comment (2026-07-10): See Updated Worksheet |
07/14/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225733577 | [Redacted] | [Redacted] | 36935337 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to reserve requirement not met. | Reviewer Comment (2026-07-14): Cash flow analysis received. Buyer Comment (2026-07-10): See Updated Worksheet |
07/14/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225733612 | [Redacted] | [Redacted] | 36728037 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of valuation to application [redacted] business days prior to consummation | Reviewer Comment (2026-06-22): Appraisal delivery receipt of[redacted] received. Buyer Comment (2026-06-19): The borrower Esigned the document on [redacted], not [redacted], Kindly remove condition Reviewer Comment (2026-06-19): Appraisal report dated [redacted] provided to the borrower on [redacted], which is not [redacted] business days prior to the note date [redacted]. Exception remains. Buyer Comment (2026-06-18): Please see doc [redacted]page [redacted]showing borrower signed receipt of appraisal on [redacted]. Kindly remove condition Reviewer Comment (2026-06-17): The appraisal report dated [redacted] was provided to the borrower on [redacted], which does not meet the requirement of being delivered at least [redacted] days before the note date of [redacted]. The required [redacted]-day period would have made[redacted] the latest acceptable delivery date. Exception remains Buyer Comment (2026-06-16): This needs to be redesignated to a NON QM per the mavent report to clear this condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225733612 | [Redacted] | [Redacted] | 36728038 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Non-compliant due to [redacted] appraisal received [redacted] less than [redacted] days prior to[redacted] closing. | Reviewer Comment (2026-06-22): Appraisal delivery receipt of[redacted] received. Buyer Comment (2026-06-19): The borrower Esigned the document on [redacted], not [redacted], Kindly remove conditions Reviewer Comment (2026-06-19): Appraisal report dated [redacted] provided to the borrower on [redacted], which is not [redacted] business days prior to the note date [redacted]. Exception remains. Buyer Comment (2026-06-18): Please see doc [redacted]page [redacted]showing borrower signed receipt of appraisal on [redacted]. Kindly remove condition Reviewer Comment (2026-06-17): The appraisal report dated [redacted] was provided to the borrower on [redacted], which does not meet the requirement of being delivered at least [redacted] days before the note date of [redacted]. The required [redacted]-day period would have made [redacted] the latest acceptable delivery date. Exception remains Buyer Comment (2026-06-16): Please see doc [redacted]pages [redacted] showing Appraisal Notice signed on [redacted]within the [redacted] day threshold. Kindly remove condition |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225733612 | [Redacted] | [Redacted] | 36728040 | 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]). | The disclosed Finance Charge in the amount of [redacted] is under-disclosed by [redacted] compared to the calculated Finance Charge of [redacted] | Reviewer Comment (2026-07-10): [redacted]received PCCD, LOE, Copy of Refund Check and Proof of Mailing. Buyer Comment (2026-07-09): Please see attached copy of PCCD, LOX, LABEL and CHECK to clear this condition Reviewer Comment (2026-06-25): [redacted]received LOE on services included on the title-Transfer Service fee $[redacted]is for electronic transmission, storage & delivery of the documents involved in the escrow transaction. These services are not excludable under [redacted] regulations and are related to the extension of credit, lender requirements. Cure is due to borrower. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted]and proof of mailing. Buyer Comment (2026-06-24): Please see attached copy of title describing purpose of the loan. Kindly remove condition Reviewer Comment (2026-06-23): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: 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]). (Final/[redacted]) Reviewer Comment (2026-06-23): My apologies, there appears to be a misunderstanding. Please provide the purpose of the fee. Fee purpose is used to determine inclusion or exclusion of a fee from APR calculations. [redacted]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 (2026-06-22): please see attached of title confirming the fee. Kindly remove condition Reviewer Comment (2026-06-17): [redacted]received rebuttal regarding [redacted] fee and Title-Transfer Service Fee. [redacted]consulted with Outside Counsel and received guidance that as Loan Safe Report is not inclusively a credit report and contains services that are not excludable under [redacted] or other sections under [redacted], fee should be included in Finance Charge calculations. Regarding the Title-Transfer Service Fee, that it was a [redacted] time fee does not exclude it from finance charges, but what the fee service/purpose was and if related to the extension of credit. To exclude fee from finance charges under[redacted], lender must not require service, imposition of the charge, or retain any portion of the charge. Lender can provide a Lender's Attestation that gives the specific services/purpose of this title-Transfer Service fee for further review if lender feels it is not a finance charge under regulatory requirements or cure is Corrected CD, LOE to borrower, copy of cure refund of $[redacted]and proof of mailing. Buyer Comment (2026-06-16): The $[redacted]" [redacted]Report" was disclosed to the borrower on the ICD. additionally, the $[redacted][redacted]" was a [redacted]-time upfront fee, not a life of loan service and should be excluded from your calculations. Kindly remove the condition. |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225733621 | [Redacted] | [Redacted] | 36727397 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Gift Letter and wire reflecting funds transferred on post-closing processing date. | Reviewer Comment (2026-07-21): Confirm there is no other third-party documentation in file that could support the verification of the gift at or prior to consummation (use of the consumer's stated amounts on the 1003 would not be acceptable). • Confirm the Gift Letter in file contains a statement that here is no expectation to repay the gift. • The exception can only be downgraded with sufficient compensating factors to mitigate the risk of not considering the gift at or before consummation (i.e., signing). Escalate to senior manager for approval of comp factors which should be considered relative to the amount of gift funds not considered and verified prior to closing. • If eligible for downgrade based on comp factors, escalate to CHD with request for downgrade with approved comp factors from senior manager. If no other material ATR exceptions exist, Loan Designation may be eligible for Non-QM client-facing Loan Designation. Reviewer Comment (2026-07-21): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-17): PLEASE READ RESPONSE. [redacted]is in a [redacted]which means that on closing day, all parties sign the loan documents, but the actual disbursement of mortgage funds to the seller does not happen immediately. Instead, the lender reviews the completed file, and funds are released later once all conditions are satisfied. Please note the final CD shows that the loan disbursed on [redacted]. Reviewer Comment (2026-07-15): Gift letter in the file is post note date, provide any supporting documents of gift prior to note date of [redacted]. Exception remains. Buyer Comment (2026-07-11): [redacted]is in a[redacted] which means that on closing day, all parties sign the loan documents, but the actual disbursement of mortgage funds to the seller does not happen immediately. Instead, the lender reviews the completed file, and funds are released later once all conditions are satisfied. Please note the final CD shows that the loan disbursed on [redacted] |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225733621 | [Redacted] | [Redacted] | 36727398 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Gift Letter and wire reflecting funds transferred on post-closing processing date. | Reviewer Comment (2026-07-21): Confirm there is no other third-party documentation in file that could support the verification of the gift at or prior to consummation (use of the consumer's stated amounts on the 1003 would not be acceptable). • Confirm the Gift Letter in file contains a statement that here is no expectation to repay the gift. • The exception can only be downgraded with sufficient compensating factors to mitigate the risk of not considering the gift at or before consummation (i.e., signing). Escalate to senior manager for approval of comp factors which should be considered relative to the amount of gift funds not considered and verified prior to closing. • If eligible for downgrade based on comp factors, escalate to CHD with request for downgrade with approved comp factors from senior manager. If no other material ATR exceptions exist, Loan Designation may be eligible for Non-QM client-facing Loan Designation. Reviewer Comment (2026-07-21): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-17): PLEASE READ RESPONSE. [redacted]is in a [redacted] which means that on closing day, all parties sign the loan documents, but the actual disbursement of mortgage funds to the seller does not happen immediately. Instead, the lender reviews the completed file, and funds are released later once all conditions are satisfied. Please note the final CD shows that the loan disbursed on [redacted] Reviewer Comment (2026-07-15): Gift letter in the file is post note date, provide any supporting documents of gift prior to note date of [redacted]. Exception remains. Buyer Comment (2026-07-11): [redacted]is in a [redacted] state which means that on closing day, all parties sign the loan documents, but the actual disbursement of mortgage funds to the seller does not happen immediately. Instead, the lender reviews the completed file, and funds are released later once all conditions are satisfied. Please note the final CD shows that the loan disbursed on [redacted] |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733621 | [Redacted] | [Redacted] | 36727399 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Gift Letter and wire reflecting funds transferred on post-closing processing date. | Reviewer Comment (2026-07-21): Confirm there is no other third-party documentation in file that could support the verification of the gift at or prior to consummation (use of the consumer's stated amounts on the 1003 would not be acceptable). • Confirm the Gift Letter in file contains a statement that here is no expectation to repay the gift. • The exception can only be downgraded with sufficient compensating factors to mitigate the risk of not considering the gift at or before consummation (i.e., signing). Escalate to senior manager for approval of comp factors which should be considered relative to the amount of gift funds not considered and verified prior to closing. • If eligible for downgrade based on comp factors, escalate to CHD with request for downgrade with approved comp factors from senior manager. If no other material ATR exceptions exist, Loan Designation may be eligible for Non-QM client-facing Loan Designation. |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225733621 | [Redacted] | [Redacted] | 36733021 | Credit | Guideline | Guideline Issue | Guideline | The borrower is a Non-Permanent Resident Alien and did not meet guides. | Please provide an approved copy of permanent resident with a term of [redacted] years from the note date. The temporary resident card provided has an expiration date of [redacted] and the note date is [redacted]. The [redacted] form has a receipt date of [redacted], which is more than [redacted] days from the note date of [redacted]. Additional requirements may apply. | Reviewer Comment (2026-07-21): [redacted]shows expires [redacted]months from[redacted] so new expiration date is [redacted] Buyer Comment (2026-07-20): Please review the document provided in [redacted]On Page [redacted], [redacted]paragraph, Under the bold title "We have received the petition ("your Case") listed above": It states that the [redacted] is extended for [redacted]months from the date of expiration. Reviewer Comment (2026-07-15): Per guidelines, an unexpired [redacted] card or a temporary [redacted]stamp on an unexpired foreign passport is required. Buyer Comment (2026-07-11): Please see [redacted]where co/borrower has applied for Petition to Remove Conditional status [redacted]. This document is dated prior to the expiration of the Perm Resident card and is acceptable documentation due to the turn time on immigration status. There is no expiration date to the [redacted]while the petition is in process. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225733621 | [Redacted] | [Redacted] | 36733259 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to missing gift funds. | Reviewer Comment (2026-07-21): Confirm there is no other third-party documentation in file that could support the verification of the gift at or prior to consummation (use of the consumer's stated amounts on the 1003 would not be acceptable). • Confirm the Gift Letter in file contains a statement that here is no expectation to repay the gift. • The exception can only be downgraded with sufficient compensating factors to mitigate the risk of not considering the gift at or before consummation (i.e., signing). Escalate to senior manager for approval of comp factors which should be considered relative to the amount of gift funds not considered and verified prior to closing. • If eligible for downgrade based on comp factors, escalate to CHD with request for downgrade with approved comp factors from senior manager. If no other material ATR exceptions exist, Loan Designation may be eligible for Non-QM client-facing Loan Designation. Reviewer Comment (2026-07-21): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-20): PLEASE READ RESPONSE. [redacted]is in a [redacted] which means that on closing day, all parties sign the loan documents, but the actual disbursement of mortgage funds to the seller does not happen immediately. Instead, the lender reviews the completed file, and funds are released later once all conditions are satisfied. Please note the final CD shows that the loan disbursed on [redacted]. Reviewer Comment (2026-07-15): The gift letter is dated [redacted] which is prior to the note dated [redacted]. Assets must be verfied prior to closing. Reviewer Comment (2026-07-15): Gift letter in the file is post note date, provide any supporting documents of gift prior to note date of [redacted]. Exception remains. Buyer Comment (2026-07-11): [redacted]is in a [redacted] which means that on closing day, all parties sign the loan documents, but the actual disbursement of mortgage funds to the seller does not happen immediately. Instead, the lender reviews the completed file, and funds are released later once all conditions are satisfied. Please note the final CD shows that the loan disbursed on [redacted] |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727295 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-06-23): Received documentation. Condition cleared. Buyer Comment (2026-06-22): Please see attached. |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727296 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-06-23): Received documentation. Condition cleared. Buyer Comment (2026-06-22): Please see attached. |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727297 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-06-23): Received documentation. Condition cleared. Buyer Comment (2026-06-22): Please see attached. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727298 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-06-23): Received documentation. Condition cleared. Buyer Comment (2026-06-22): Please see attached. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727299 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Reviewer Comment (2026-06-23): Received documentation. Condition cleared. Buyer Comment (2026-06-22): See attached. Buyer Comment (2026-06-22): see attached Buyer Comment (2026-06-22): Please see attached Buyer Comment (2026-06-22): Please see attached. |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727306 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Credit and fraud reports are not provided. | Reviewer Comment (2026-07-13): Fraud report document provided and credit report already present in the file. Exception Cleared. Buyer Comment (2026-07-09): Please see attached. Reviewer Comment (2026-06-23): Fraud report was not included in the trailing docs and remains missing. Buyer Comment (2026-06-22): Please see attached |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727307 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-23): Received documentation. Condition cleared. Buyer Comment (2026-06-22): Please see attached. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727323 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit Report is not provided. | Reviewer Comment (2026-06-23): Received documentation. Condition cleared. Buyer Comment (2026-06-22): [redacted]. Please clear |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727337 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] condition due to credit and fraud reports are not provided. | Reviewer Comment (2026-06-23): Received some missing docs. This Condition cleared. Buyer Comment (2026-06-22): [redacted] |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225734033 | [Redacted] | [Redacted] | 36727338 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | [redacted] condition due to credit and fraud reports are not provided. | Reviewer Comment (2026-06-23): Received some missing docs. This Condition cleared. Buyer Comment (2026-06-22): [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727339 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] condition due to credit and fraud reports are not provided. | Reviewer Comment (2026-07-13): Fraud report document provided and credit report already present in the file. Exception Cleared. Buyer Comment (2026-07-09): Please advise what additional docs are needed. Reviewer Comment (2026-06-23): File is still missing several critical documents. Once received, citing can be re-assessed. Buyer Comment (2026-06-22): [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727340 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are {redacted] 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.) | [redacted] condition due to credit and fraud reports are not provided. | Reviewer Comment (2026-07-13): Fraud report document provided and credit report already present in the file. Exception Cleared. Buyer Comment (2026-07-09): Please advise what additional docs are needed. Reviewer Comment (2026-06-23): File is still missing several critical documents. Once received, citing can be re-assessed. Buyer Comment (2026-06-22): [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734033 | [Redacted] | [Redacted] | 36727343 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure was not provided to the borrower. | Reviewer Comment (2026-07-13): Received ARM Disclosure document. Exception Cleared. Buyer Comment (2026-07-09): Please see attached Reviewer Comment (2026-06-23): Received Charm Booklet, however the ARM disclosure signed/dated by the borrower was not including in the trailing docs. Buyer Comment (2026-06-22): [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225734033 | [Redacted] | [Redacted] | 36727344 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable-Rate Mortgages, CHARM Booklet, was not provided to the borrower. | Reviewer Comment (2026-06-23): Received some missing docs. This Condition cleared. Buyer Comment (2026-06-22): This document was sent on [redacted]. Please clear |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225734033 | [Redacted] | [Redacted] | 36727345 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall condition due to credit and fraud reports are not provided. | Reviewer Comment (2026-06-23): Received some missing docs. This Condition cleared. |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225734033 | [Redacted] | [Redacted] | 36806566 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Failure remains due to missing critical docs. | Reviewer Comment (2026-07-13): Fraud report document provided and credit report already present in the file. Exception Cleared. Buyer Comment (2026-07-09): Please advise what additional docs are needed. |
07/13/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225734101 | [Redacted] | [Redacted] | 36727508 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not provided. | Reviewer Comment (2026-06-23): Received Certificate of good standing. Exception Cleared. Buyer Comment (2026-06-19): please see [redacted]doc [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225734712 | [Redacted] | [Redacted] | 36729699 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 was not found in file. | Reviewer Comment (2026-07-15): Received final 1003. Exception cleared. Buyer Comment (2026-07-13): Please see attached 1003 |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225734712 | [Redacted] | [Redacted] | 36729749 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Requested: Max LTV/CLTV is [redacted] based on purchase, FICO > [redacted], and loan amount < [redacted] mil. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-13): Please see attached exception |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225734712 | [Redacted] | [Redacted] | 36729844 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:{redacted] 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 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 (2026-06-16): Cured at closing or within [redacted]days of consummation prior to [redacted] |
06/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225734712 | [Redacted] | [Redacted] | 36729846 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to an increase in the recording fee. No valid COC was provided, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include [redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-14): [redacted] received Post CD and LOX. Buyer Comment (2026-07-13): Please see attached correspondence from Title Company that the Survey Fee was required by them in order to issue title insurance. I have updated the PCCD moving the survey fee to section [redacted] and provided you with a copy along with the cover letter sent to the borrower with the clerical correction. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225734712 | [Redacted] | [Redacted] | 36729847 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report 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 the file. | Reviewer Comment (2026-06-16): Cured at closing or within [redacted]days of consummation prior to [redacted] |
06/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225734712 | [Redacted] | [Redacted] | 36968133 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||||
| 225734712 | [Redacted] | [Redacted] | 36968134 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225735157 | [Redacted] | [Redacted] | 36727554 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-07): Received E-Consent date document, Exception Cleared. Buyer Comment (2026-07-06): eConsent |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225735221 | [Redacted] | [Redacted] | 36734092 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing [redacted] 1099s supporting income used to qualify. | Reviewer Comment (2026-06-23): Received [redacted]1099 document. Exception cleared. Buyer Comment (2026-06-23): [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225735221 | [Redacted] | [Redacted] | 36734104 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing [redacted] 1099s supporting income used to qualify. | Reviewer Comment (2026-06-23): Received [redacted]1099 document. Exception cleared. Buyer Comment (2026-06-23): 1099 submitted |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225735221 | [Redacted] | [Redacted] | 36734132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] finding due to missing [redacted] 1099s, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-23): Received [redacted]1099 document. Exception cleared. Buyer Comment (2026-06-23): 1099 submitted |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225735221 | [Redacted] | [Redacted] | 36734133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] finding due to missing [redacted]1099s. | Reviewer Comment (2026-06-23): Received [redacted]1099 document. Exception cleared. Buyer Comment (2026-06-23): 1099 submitted |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225735221 | [Redacted] | [Redacted] | 36734134 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] finding due to missing [redacted] 1099s. | Reviewer Comment (2026-06-23): Received [redacted]1099 document. Exception cleared. Buyer Comment (2026-06-23): 1099 submitted |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225735221 | [Redacted] | [Redacted] | 36734136 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of the new fee, and no evidence of tolerance cure is provided. | Reviewer Comment (2026-07-16): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-14): PCCD |
07/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225737880 | [Redacted] | [Redacted] | 36734734 | 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 [redacted] 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 electronically issued on [redacted] and electronically signed on [redacted]. Earliest consent provided is dated [redacted] | Reviewer Comment (2026-06-22): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-06-19): please see attached econsent |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225738291 | [Redacted] | [Redacted] | 36741303 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Per guidelines, maximum LTV for cash-out refinance with loan amount greater than [redacted]. Loan was approved at [redacted] LTV. An approved lender exception is not provided. Lender exception approved for LTV to[redacted] |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-25): Client elects to waive with compensating factors. Buyer Comment (2026-06-23): exception for the LTV |
06/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 225738291 | [Redacted] | [Redacted] | 36741304 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Per guidelines, maximum CLTV for cash-out refinance with loan amount greater than [redacted] Loan was approved at [redacted] CLTV. An approved lender exception is not provided. Lender exception approved for LTV to [redacted] |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-25): Client elects to waive with compensating factors. Buyer Comment (2026-06-23): exception for the LTV submitted |
06/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 225739466 | [Redacted] | [Redacted] | 36736670 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-07-06): Hazard Insurance Policy provided for subject property. Exception cleared. Buyer Comment (2026-07-02): Hazard |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225739466 | [Redacted] | [Redacted] | 36736686 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-06): Appraisal receipt is provided which is within [redacted] days prior to closing. Exception cleared. Buyer Comment (2026-07-02): Appraisal receipt |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225739466 | [Redacted] | [Redacted] | 36736687 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-07-06): Appraisal receipt is provided which is within [redacted] days prior to closing. Exception cleared. Buyer Comment (2026-07-02): See appraisal receipt |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225739466 | [Redacted] | [Redacted] | 36736690 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower(s) within three 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. | Reviewer Comment (2026-07-06): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-07-02): eConsent |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225739469 | [Redacted] | [Redacted] | 36737620 | 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 [redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-06-29): [redacted]received disclosure Tracking for CD dated [redacted] received to consumer [redacted] business days prior to the consummation. Buyer Comment (2026-06-26): received Reviewer Comment (2026-06-24): [redacted]received [redacted] CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [redacted]. Consummation date is [redacted]. [redacted] is day [redacted], [redacted] is day [redacted]. Please provide documentation if the CD was received [redacted] or earlier for review. Buyer Comment (2026-06-24): CD |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225739469 | [Redacted] | [Redacted] | 36737621 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey 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 (2026-07-13): [redacted]received email confirmation for title required survey. Buyer Comment (2026-07-09): With this confirmation from title that the required the survey and the PCCD, you are able to remove it from [redacted]% calculations. Buyer Comment (2026-07-09): Please review the email from title confirming they did require the survey. Reviewer Comment (2026-06-29): [redacted]received email from title company which states that they always order the surveys for clients in order to they did not have a prior survey. However, the email and information provided does not clarify if this was a lender required survey or if the borrower-chosen service provider outsourced the Survey Fee or if it was borrower elected to have survey completed on their own. If this was a lender required fee, then tolerance violation is valid. If it was outsourced by the title company, then an attestation needs to confirm this from the title company. However, if this was a borrower chosen fee, then it should have been disclosed in section [redacted], which a Corrected CD and LOE to borrower can be provided and it can be removed from testing. Buyer Comment (2026-06-26): survey fee email from title Reviewer Comment (2026-06-24): [redacted]Received Corrected PCCD and LOE moving fee to section [redacted]; however, [redacted]is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-06-24): PCCD |
07/13/2026 | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225739469 | [Redacted] | [Redacted] | 36737622 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax 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 (2026-06-24): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-06-24): Cured at closing in section [redacted] |
06/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225739469 | [Redacted] | [Redacted] | 36737643 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | Payment Shock is greater than [redacted] | Reviewer Comment (2026-06-26): Re-validated payment shock as per requirement. Exception cleared. Buyer Comment (2026-06-24): There is no cap on payment shock. Please review the guidelines and point out where you are seeing this. The only situation where the payment shock can't be greater than [redacted]% is if we are getting an exception for something else. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225739469 | [Redacted] | [Redacted] | 36958179 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225739471 | [Redacted] | [Redacted] | 36736438 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | Non QM | Yes | ||||||||||
| 225739471 | [Redacted] | [Redacted] | 36736439 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Investment | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | Non QM | Yes | ||||||||||
| 225739479 | [Redacted] | [Redacted] | 36736361 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | HOA Questionnaire Document was not found in the loan file. Evidence the condo is warrantable was not located in the file. | Reviewer Comment (2026-07-15): Document provided Buyer Comment (2026-07-13): please see attached condo master deed Reviewer Comment (2026-07-10): Per guidelines, Documentation necessary to determine the condo's warrantability must be provided, which may include: • Condo questionnaire (depending on the review being completed) o Project review waiver may be applicable if projects meets waiver requirements • Master insurance certificate including all required coverages • Current Budget (when utilizing a full review) • Recorded declarations/CC&R's and by-laws (to the extent necessary to complete review) • Other documentation as required by underwriting to complete project review Buyer Comment (2026-07-08): please clarify where you are seeing this is required as this is a [redacted] unit condo and is exempt from review per [redacted] Reviewer Comment (2026-07-01): Received lender exception for [redacted]% LTV reduction on <[redacted] DSCR. Subject is attached condo with [redacted] units which requires a thorough project review. Exception remains. Buyer Comment (2026-06-29): please see attached lender exception that shows "condo warrantable no" on page [redacted] Reviewer Comment (2026-06-23): Per guidelines [redacted] unit and detached condos do not require a thorough project review. Exception remains Buyer Comment (2026-06-22): please note this is a [redacted] unit condo and fall under [redacted], therefore exempt from review |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225739479 | [Redacted] | [Redacted] | 36937067 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for [redacted] LTV excption with DSCR < [redacted] . Exception approval requires min DSCR [redacted] however the calculated DSCR is [redacted]. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-13): please clarify as the DTI can vary no more than .[redacted] |
07/15/2026 | Yes | 2 | B | B | B | B | B | NJ | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225739496 | [Redacted] | [Redacted] | 36736672 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Zip code on Note is [redacted] and zip code on appraisal and desk review is [redacted] | Reviewer Comment (2026-06-26): Received zip code search and both zip codes reflect for city of [redacted]. Exception cleared. Buyer Comment (2026-06-24): please see attached printout from usps website showing both zip codes are acceptable for city of [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225739516 | [Redacted] | [Redacted] | 36736568 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | Signed and dated personal and business tax return not provided for borrower. An extension is provided in the file. | Buyer Comment (2026-06-29): OK to waive, on approved EV2 Waiver list Reviewer Comment (2026-06-24): Exception is EV2 for informational purpose only Client can elect to waive Buyer Comment (2026-06-22): please see attached [redacted]tax docs |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225739517 | [Redacted] | [Redacted] | 36737017 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit report fee was disclosed on initial Loan Estimate as [redacted], but disclosed on final Closing Disclosure as [redacted]. File does not contain a valid Change of Circumstance for this fee, nor was evidence of cure provided in file. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | Non QM | Yes | |||||||||
| 225739519 | [Redacted] | [Redacted] | 36737200 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225739519 | [Redacted] | [Redacted] | 36741407 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to allow Non-Warrantable Condo due to critical repairs and ongoing litigation. Max [redacted] LTV/CLTV, Max [redacted] DTI. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-16): Lender Exception with Compensating Factors provided. |
06/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225739523 | [Redacted] | [Redacted] | 36736839 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225739523 | [Redacted] | [Redacted] | 36736840 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225739523 | [Redacted] | [Redacted] | 36736841 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification is missing for the property address [redacted] | Reviewer Comment (2026-07-15): Received HOA document and revalidated data. Exception cleared. Buyer Comment (2026-07-14): Please see attached DUEs letter which gives the amount that is owed. Please clear condition. Reviewer Comment (2026-06-30): The final 1003 (Doc ID [redacted]) reflects a combined monthly amount for taxes, insurance, and HOA of $[redacted]. However, the monthly property tax amount considered from the tax certificate is $[redacted], resulting in a variance of $[redacted]. Please provide proof of variance or provide updated Final 1003 along with 1008. Exception Remains. Buyer Comment (2026-06-26): Please see attached. Reviewer Comment (2026-06-22): The final 1003 (Doc ID [redacted]) reflects a combined monthly amount for taxes, insurance, and HOA of $[redacted]. However, the monthly property tax amount considered from the property history report is $[redacted], resulting in a variance of $[redacted]. A Tax certificate is required to verify the accurate property tax amount or Final 1003. Exception remains. Buyer Comment (2026-06-18): This is a piece of land. There is no HOA on the property. Please clear condition. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225739523 | [Redacted] | [Redacted] | 36736858 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | Payment shock is greater than [redacted]. | Reviewer Comment (2026-06-22): Guideline doesn't mention anything regarding payment shock. Exception cleared. Buyer Comment (2026-06-18): We respectfully request reconsideration of this exception. While the transaction results in a payment increase, the borrower elected to proceed with the cash-out refinance to meet specific financial objectives. The increase in payment was fully disclosed throughout the loan process, and the borrower acknowledged and accepted the terms prior to closing. The borrower demonstrated the ability and willingness to repay the proposed obligation, and the loan was underwritten based on verified income, assets, and credit qualifications in accordance with program requirements. Additionally, the cash-out proceeds provided a tangible financial benefit to the borrower and were a primary purpose of the transaction.Given the borrower's informed acceptance of the loan terms and qualification for the proposed payment, we request that this condition be reviewed and cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225739529 | [Redacted] | [Redacted] | 36737082 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was disclosed as [redacted] on initial CD and as [redacted] on final CD. No valid change of circumstance or sufficient cure provided. | Reviewer Comment (2026-06-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-06-22): please see attached screen shot showing credit report fee on LE is $[redacted]and not $[redacted](LE's will not show cents) and screen shot of cure on final CD for credit report fee |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225739529 | [Redacted] | [Redacted] | 36805878 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | NJ | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225739533 | [Redacted] | [Redacted] | 36738053 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] exchange agreement, Sales contract for the sold property and supporting HUD copy is missing in the file | Reviewer Comment (2026-06-23): Received 1031 exchange agreement, Exception Cleared Buyer Comment (2026-06-19): please see attached 1031 exchange docs |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225739536 | [Redacted] | [Redacted] | 36737245 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225740329 | [Redacted] | [Redacted] | 36736366 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold | {redacted] Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of [redacted] of Total Loan Amount. | Reviewer Comment (2026-07-16): Confirmed no fees were financed. Buyer Comment (2026-07-15): per our compliance team: The Closing Disclosure for Loan #[redacted]confirms that Closing Costs Financed (Paid from Loan Amount) is [redacted] prohibits including lender fees in the principal amount exceeding [redacted]% of the loan amount. Because no lender fees were included in the principal amount of this loan, the statutory cap is not implicated. The borrower paid all origination charges ($[redacted]) and other closing costs in cash at closing, as reflected by the $[redacted]cash to close. We respectfully request that this condition be cleared Reviewer Comment (2026-07-01): Bona fide discount does not affect this issue. The State High Cost Financed Fees in the amount of $[redacted]exceeds the max allowed of $[redacted]. There does not appear to be a cure for this exception. Please note this is graded as [redacted] given there is no explicit assignee liability related to the [redacted] Originator and Servicer Licensing Act. Reviewer Comment (2026-07-01): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-06-29): please see attached screen shot and compliance report doc [redacted]showing the exclusion of the discount points in the calculations Reviewer Comment (2026-06-26): The State High Cost Financed Fees in the amount of $[redacted]exceeds the max allowed of $[redacted]. There does not appear to be a cure for this exception. Please note this is graded as [redacted] given there is no explicit assignee liability related to the Minnesota Residential Mortgage Originator and Servicer Licensing Act. Buyer Comment (2026-06-24): please clarify what the resolution is for this condition. is it a $[redacted]refund? |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225740866 | [Redacted] | [Redacted] | 36737328 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-19): Received E-sign Consent Agreement in file. Exception Cleared. Buyer Comment (2026-06-18): Please see attached copy of econsent to clear condition |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225740866 | [Redacted] | [Redacted] | 36737347 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased to [redacted] with the [redacted] Loan Estimate without a valid Change in Circumstance. Insufficient total cure provided at close. | Reviewer Comment (2026-06-23): [redacted]received valid COC and rebuttal. Buyer Comment (2026-06-22): on [redacted] LE, the loan program was [redacted] conforming [redacted]. on [redacted] LE the loan program changed to [redacted][redacted] expanded full doc, hence the fee discrepancy. Kindly remove condition Reviewer Comment (2026-06-22): [redacted]received COC dated [redacted] for program change which is not sufficient for increase in fee or relock, from the file we are unable to identify the change in loan program. Please provide more information to verify the program change. Buyer Comment (2026-06-18): Please see attached copy of COC regarding discount points to clear condition |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225740866 | [Redacted] | [Redacted] | 36737348 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was added with the [redacted] Loan Estimate. A valid change in circumstance was not provided, and insufficient total cure was provided at close. | Reviewer Comment (2026-06-23): [redacted]received valid COC and rebuttal. Buyer Comment (2026-06-22): Please see comment above. Due to the loan program changing, there was a need for a second appraisal. Kindly remove condition Reviewer Comment (2026-06-22): [redacted]received COC dated [redacted] for program change which is not sufficient for adding the fee also, as per comment an increase/receipt of invoice is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid [redacted], Appendix, Additional Considerations, Row [redacted]indicates:To illustrate, see examples of sufficient vs. insufficient COC reasons. More information regarding change in program and its requirement is required or Cure is required. Buyer Comment (2026-06-18): Please see attached copy of invoice for CDA to clear condition |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225740866 | [Redacted] | [Redacted] | 36737349 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure for this violation was provided at close. | Reviewer Comment (2026-06-16): Cured at closing or within [redacted]days of consummation prior to [redacted] |
06/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | 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 | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225740866 | [Redacted] | [Redacted] | 36744345 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing the account statements associated with the IRA distributions. The Accountchek verification of deposit shows the distribution payments, and the 1040s confirm there are IRA distributions, but the accounts holding the funds were not provided. | Reviewer Comment (2026-06-23): Received account statement for annuity, exception cleared. Buyer Comment (2026-06-19): Please see attached copy of annuity to clear remaining condition Reviewer Comment (2026-06-19): Require Statement or Award letter for [redacted]Annuity payment. Exception Remains. (Received statement is only for [redacted]) Buyer Comment (2026-06-18): Please see attached copies of annuity statements for the co-borrower followed with account statements. Kindly remove condition |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225740866 | [Redacted] | [Redacted] | 36744347 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing the account statements associated with the IRA distributions. The Accountchek verification of deposit shows the distribution payments, and the 1040s confirm there are IRA distributions, but the accounts holding the funds were not provided. | Reviewer Comment (2026-06-23): Received account statement for annuity, exception cleared. Buyer Comment (2026-06-22): [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225740866 | [Redacted] | [Redacted] | 36744389 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is an ATR risk due to the missing IRA documentation. | Reviewer Comment (2026-06-23): Received account statement for annuity, exception cleared. Buyer Comment (2026-06-22): [redacted] |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225740866 | [Redacted] | [Redacted] | 36744390 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] exception due to missing IRA distribution documentation. | Reviewer Comment (2026-06-23): Received account statement for annuity, exception cleared. Buyer Comment (2026-06-22): [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225740866 | [Redacted] | [Redacted] | 36744391 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Missing the account statements associated with the IRA distributions. The Accountchek verification of deposit shows the distribution payments, and the 1040s confirm there are IRA distributions, but the accounts holding the funds were not provided. | Reviewer Comment (2026-06-23): Received account statement for annuity, exception cleared. Buyer Comment (2026-06-22): [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225740866 | [Redacted] | [Redacted] | 36805944 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 cure provided at closing | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225740885 | [Redacted] | [Redacted] | 36736954 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within {redacted] ({redacted]) business days of application. | The creditor application date in the file is [redacted], and the loan estimate was received on [redacted] | Reviewer Comment (2026-07-14): [redacted] received initial LE. Buyer Comment (2026-07-13): ILE Reviewer Comment (2026-07-07): [redacted]received the disclosure tracking summary, which indicates that the initial LE was sent to the borrower on [redacted] and received on [redacted]. However, the loan file does not contain the LE dated [redacted] for testing. Please provide the missing LE for review so that this exception can be re-evaluated and re-baselined Buyer Comment (2026-07-06): Disclosure Tracking |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225740885 | [Redacted] | [Redacted] | 36736956 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee not disclosed on initial or final LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-07-07): [redacted] received valid changed circumstance. Buyer Comment (2026-07-06): RCD with COC and invoice with order date |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225740898 | [Redacted] | [Redacted] | 36736870 | Compliance | Compliance | State Compliance | State HPML | {redacted] HPML Threshold Test Compliant | {redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] Compliant Higher Priced Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Compliant Higher Priced Loan. | Buyer Comment (2026-06-30): waived - compliant |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225740898 | [Redacted] | [Redacted] | 36736871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | There is no sufficient cure amount or valid change circumstance in the file. | Reviewer Comment (2026-06-25): Cured at closing or within [redacted]days of consummation prior to [redacted] Buyer Comment (2026-06-23): Cured at closing in section [redacted] |
06/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225740898 | [Redacted] | [Redacted] | 36736872 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | There is no sufficient cure amount or valid change circumstance in the file. | Reviewer Comment (2026-07-01): [redacted]received COC dated [redacted] Buyer Comment (2026-06-30): COC Reviewer Comment (2026-06-25): [redacted]received rebuttal comment as per which the Appraisal Review fee of $[redacted]was disclosed properly on revised LE dated [redacted] but as per COC there is no sufficient reason provided as to why the fee was added. File contains CDA report please provide more information as to why the appraisal review was required. Buyer Comment (2026-06-23): This was cured for $[redacted]at closing in section [redacted]. The other $[redacted]was properly disclosed on the [redacted] LE due to the loan program change. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225740898 | [Redacted] | [Redacted] | 36736873 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | There is no sufficient cure amount or valid change circumstance in the file. | Reviewer Comment (2026-06-25): Cured at closing or within [redacted]days of consummation prior to [redacted] Buyer Comment (2026-06-23): Cured at closing in section [redacted] |
06/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225740898 | [Redacted] | [Redacted] | 36861501 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225740898 | [Redacted] | [Redacted] | 36861502 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225740898 | [Redacted] | [Redacted] | 36861503 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225743824 | [Redacted] | [Redacted] | 36741683 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225743902 | [Redacted] | [Redacted] | 36737663 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] is less than guideline requirement PITIA months reserves of [redacted]. It appears the file is missing evidence of the [redacted] loan obtained prior to close. A copy of the final CD/closing statement would be required. | Reviewer Comment (2026-07-02): Received Security instrument and closing statement. Exception Cleared. Buyer Comment (2026-06-30): Both loans closed on [redacted]. Please review this mortgage from the [redacted]loan: it is dated [redacted]. The documents for this loan are also dated [redacted] Reviewer Comment (2026-06-25): Closing Statement provided for [redacted], [redacted] is after the Note date, Require prior to close, Exception remains. Buyer Comment (2026-06-24): Other loan |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225743902 | [Redacted] | [Redacted] | 36737673 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Insufficient funds for reserves; additional assets are required to fulfill the reserve requirement. | Reviewer Comment (2026-07-02): Received Security instrument and closing statement. Exception Cleared. Buyer Comment (2026-06-30): bridge loan closed simultaneously Reviewer Comment (2026-06-25): Closing Statement provided for [redacted]s after the Note date, Require prior to close, Exception remains. Buyer Comment (2026-06-24): FSS from the bridge loan submitted |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225743902 | [Redacted] | [Redacted] | 36744332 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the Final closing statement for the subject transaction. | Reviewer Comment (2026-07-02): Received Final Closing Statement. Exception Cleared. Buyer Comment (2026-06-30): Loan is a Cash out refi Reviewer Comment (2026-06-25): Final Closing Statement provided showing due to borrower $[redacted]for purchase transaction, Exception Remains. Buyer Comment (2026-06-24): FSS |
07/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225743918 | [Redacted] | [Redacted] | 36740883 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. | Reviewer Comment (2026-07-02): Verification of employment received, exception cleared. Buyer Comment (2026-06-30): Please see attached. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225743918 | [Redacted] | [Redacted] | 36740884 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted] business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. | Reviewer Comment (2026-07-02): Verification of employment received, exception cleared. Buyer Comment (2026-06-30): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225743918 | [Redacted] | [Redacted] | 36740885 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted] business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. | Reviewer Comment (2026-07-02): Verification of employment received, exception cleared. Buyer Comment (2026-06-30): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225743918 | [Redacted] | [Redacted] | 36740896 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing verification of employment. | Reviewer Comment (2026-07-02): Verification of employment received, exception cleared. Buyer Comment (2026-06-30): [redacted] |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225743918 | [Redacted] | [Redacted] | 36740897 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | [redacted] exception due to missing verification of employment. | Reviewer Comment (2026-07-02): Verification of employment received, exception cleared. Buyer Comment (2026-06-30): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225743918 | [Redacted] | [Redacted] | 36740913 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] exception due to missing verification of employment. | Reviewer Comment (2026-07-02): Verification of employment received, exception cleared. Buyer Comment (2026-06-30): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225743932 | [Redacted] | [Redacted] | 36742043 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee of [redacted] not disclosed to borrower until final CD. No valid change in circumstance or cure provided. | Reviewer Comment (2026-06-25): [redacted] received Post CD and LOX. Buyer Comment (2026-06-24): please see attached email from title confirming the survey was required in order to obtain title policy and lox\pccd moving fee to sec [redacted] |
06/25/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225744250 | [Redacted] | [Redacted] | 36737179 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose an accurate Index as reflected on the Note. | Index Type on Note is reflecting [redacted]" which is not matching with Closing Disclosure page [redacted] reflecting as "[redacted]. | Reviewer Comment (2026-07-02): [redacted] received Letter of Explanation & Corrected CD Buyer Comment (2026-07-01): please see attached lox & pccd updating the ARM AIR info on pccd page [redacted] |
07/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225744257 | [Redacted] | [Redacted] | 36742349 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-06-18): Re-validated appraisal report delivery information. Exception cleared. Buyer Comment (2026-06-17): Per the [redacted] report, this needs to be redesignated as a NON-QM to clear this condition. Kindly redesignate to NON-QM |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225744257 | [Redacted] | [Redacted] | 36742350 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to Note. | Reviewer Comment (2026-06-18): Re-validated appraisal report delivery information. Exception cleared. Buyer Comment (2026-06-17): waterfall |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225744520 | [Redacted] | [Redacted] | 36746049 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for unable to obtain landlord waiver. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. Miscellaneous |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Minimal consumer debt. |
SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-06-16): Client elects to waive with compensating factors. |
06/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| 225744696 | [Redacted] | [Redacted] | 36737335 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for assets in use for this loan brings to a shortage of [redacted] for asset qualifier method [redacted] | Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-17): Client elects to waive with compensating factors. |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225744696 | [Redacted] | [Redacted] | 36737343 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee increased from [redacted] without any valid changed circumstances; no cure was provided. | Reviewer Comment (2026-07-22): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-21): Please see attached. Reviewer Comment (2026-07-15): [redacted] received rebuttal comment. However, this does not sufficiently explain the reason for the fee increase. Additionally, the receipt of an invoice or fee received by the [redacted] is not a valid changed circumstance in order for a fee to be re-baselined. Please provide supporting documentation or a detailed explanation to substantiate the increase in the appraisal fee. Buyer Comment (2026-07-14): Please see attached. This shows that we were provided the fee by the [redacted]. This is what prompted us to change the appraisal fee. Please clear condition. Reviewer Comment (2026-06-30): [redacted] received appraisal order, however no comment provided for[redacted] why the fee was increased. Please provide additional information why the fee was increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-26): Please see the appraisal review page. This shows that amount that was provided to use on [redacted] was $[redacted]. This was disclosed to the borrower on [redacted]. This was in the alloted time frame. Please clear condition. |
07/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225744696 | [Redacted] | [Redacted] | 36737344 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit report Fee increased from [redacted] without any valid changed circumstances; no cure was provided. | Reviewer Comment (2026-07-15): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-14): Please see attached. |
07/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225744917 | [Redacted] | [Redacted] | 36741738 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Commitment or Preliminary title policy amount is blank. If the commitment or preliminary title policy does not state a coverage amount. | Reviewer Comment (2026-07-09): Received confirmation for the valid title policy amount over e-mail, information validated. Exception Cleared. Buyer Comment (2026-07-08): coverage |
07/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225744917 | [Redacted] | [Redacted] | 36741742 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-26): Received E-sign consent. Exception cleared. Buyer Comment (2026-06-25): econsent |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225744917 | [Redacted] | [Redacted] | 36741799 | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Not Considered | Total Buydown Amount collected on HUD/CD [redacted] does not match Buydown Subsidy of [redacted] required per terms of Buydown Agreement Payment Schedule. Refund/credit of overage may be required to meet terms of buydown agreement. Any discrepancy may impact validity of compliance points and fees findings. | Reviewer Comment (2026-06-26): Buydown amount matches with the agreement and CD. Exception cleared. Buyer Comment (2026-06-25): Buydown amount matches the agreement. This is a [redacted] buydown |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225744917 | [Redacted] | [Redacted] | 36749629 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing tax cert for [redacted] | Reviewer Comment (2026-06-26): Tax certificate is present in the loan file. Exception cleared. Buyer Comment (2026-06-25): [redacted]is the taxes for [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225744924 | [Redacted] | [Redacted] | 36742255 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225745236 | [Redacted] | [Redacted] | 36745989 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage is insufficient, with a coverage shortfall of [redacted] | Reviewer Comment (2026-07-13): Per [redacted], the [redacted]requirement has been retired. Condition cleared. Reviewer Comment (2026-07-10): The insurance is insufficient by $[redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains. Buyer Comment (2026-07-08): per attached [redacted]Lender Letter update dated[redacted], the bottom of page states changes to the selling guide where they are no longer requiring documentation for replacement cost value. continued on the top of page [redacted], it states that the insurance policy coverage is considered to be on a replacement cost basis |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225745236 | [Redacted] | [Redacted] | 36746020 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225745236 | [Redacted] | [Redacted] | 36746021 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225745239 | [Redacted] | [Redacted] | 36746301 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted] Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-04): Delivery evidence received. Buyer Comment (2026-07-31): Please see attached email where the branch sent the updated appraisal to the borrower on [redacted]. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225745239 | [Redacted] | [Redacted] | 36746302 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal report dated [redacted] is missing evidence of receipt. | Reviewer Comment (2026-08-04): Delivery evidence received. Buyer Comment (2026-07-31): Please see attached email where the branch sent the updated appraisal to the borrower on [redacted]. Reviewer Comment (2026-07-15): Missing evidence for appraisal dated [redacted] is being delivered to the borrower within [redacted] business days prior to consummation date. Exception remains Buyer Comment (2026-07-14): See [redacted] date on letter Buyer Comment (2026-07-14): Delivery receipt Reviewer Comment (2026-07-07): Appraisal receipt for [redacted] is provided. Proof of appraisal receipt is not provided for[redacted] dated appraisal. Exception remains. Buyer Comment (2026-07-06): Original appraisal and proof of receipt . Apply mailbox rule on [redacted] appraisal |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225745244 | [Redacted] | [Redacted] | 36746229 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-07-07): Provided valid ID proof and ITIN. Exception cleared. Buyer Comment (2026-07-06): ID |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225745395 | [Redacted] | [Redacted] | 36746385 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure not provided in this loan file. | Reviewer Comment (2026-06-30): Received HUD. Cleared. Buyer Comment (2026-06-30): please see attached reuploaded ALTA Reviewer Comment (2026-06-30): Reviewed all trailing docs, however the required document was not located. Buyer Comment (2026-06-25): please see attached alta |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225746045 | [Redacted] | [Redacted] | 36750682 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates a lender exception was requested and approved. The exception form, approval and compensating factors were not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-07): Client elects to waive with compensating factors. Reviewer Comment (2026-07-07): Received lender exception approval for unacceptable property type. LOE from borrower states property will be rented by room/boarding house. Buyer Comment (2026-07-06): Exception |
07/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||
| 225746045 | [Redacted] | [Redacted] | 36750716 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final signed/dated or certified stamped HUD or closing statement. | Reviewer Comment (2026-07-15): Certified stamped HUD, cleared Buyer Comment (2026-07-15): Final ALTA Reviewer Comment (2026-07-07): The received closing statement is estimated. A final signed and dated, or certified stamped HUD-1/Closing Statement is required. Exception Remains. Buyer Comment (2026-07-06): All signed |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225746090 | [Redacted] | [Redacted] | 36746279 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note document provided was not signed or dated by borrower. | Reviewer Comment (2026-07-13): Signed note, cleared Buyer Comment (2026-07-11): Please see attached Note |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225746091 | [Redacted] | [Redacted] | 36746983 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-07-07): A Title Supplement Report reflecting the final loan amount is available in the file. The details have been verified and updated. Exception Cleared. Buyer Comment (2026-07-06): See [redacted]page [redacted]for supplement with final loan amount |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225746091 | [Redacted] | [Redacted] | 36746984 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-07-07): Received Hazard Insurance Policy document. Verified and updated details. Exception Cleared. Buyer Comment (2026-07-06): Hazard |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225746094 | [Redacted] | [Redacted] | 36750593 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title vested in Estate of [redacted] supported by appraisal report as owner of record during time of inspection and on tax certificate. The purchase contract seller is [redacted] as is the final HUD 1. Please provide recorded deed of transfer. | Reviewer Comment (2026-07-02): Received deed in lieu of foreclosure transferring subject property to [redacted] from [redacted]. Exception cleared. Buyer Comment (2026-06-30): Attached is a copy of the deed into [redacted]. Because this was a deed in lieu, lien[redacted] were dissolved upon recording of the DIL. Item [redacted]was paid outside of closing and item [redacted] was paid by the seller at closing under miscellaneous expenses. Please clear condition. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225746094 | [Redacted] | [Redacted] | 36750738 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items [redacted] reflects mortgage and liens with outstanding balances in the amount of [redacted]. HUD 1 does not reflect payoff of mortgage lien and tax sewer liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-07-20): Received Satisfaction of Mortgage and Deed. Exception Cleared. Buyer Comment (2026-07-16): Please see attached. Reviewer Comment (2026-07-02): Received deed in lieu of foreclosure. Require evidence of release of items [redacted] reflecting under schedule [redacted] part [redacted]. Exception remains. Buyer Comment (2026-06-30): Attached is a copy of the deed into [redacted]. Because this was a deed in lieu, lien [redacted]were dissolved upon recording of the DIL. Item [redacted] was paid outside of closing and item [redacted]was paid by the seller at closing under miscellaneous expenses. Please clear condition. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225746188 | [Redacted] | [Redacted] | 36746517 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the taxes and insurance documentation for this property. Please provide for review. | Reviewer Comment (2026-06-23): Property [redacted] is [redacted]home lot rent only, received payment history for the expenses amount of $[redacted]. Exception cleared. Buyer Comment (2026-06-22): Please see attached REO docs for property to clear condition |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225746188 | [Redacted] | [Redacted] | 36746621 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to income document ATR failure. | Reviewer Comment (2026-07-06): Loan has been re-designated to [redacted]. Exception cleared. Reviewer Comment (2026-07-01): Provided post closing third party verification which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOE issue. Exception remains. Buyer Comment (2026-06-29): [redacted] Reviewer Comment (2026-06-26): Received the transcripts, however this does not meet ATR requirements. The issue is the verification is dated post closing which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOEissue. Buyer Comment (2026-06-24): [redacted] |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225746188 | [Redacted] | [Redacted] | 36746622 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Third Paty Verification is missing in file. Please provide for review. | Reviewer Comment (2026-07-06): Loan has been re-designated to [redacted]. Exception cleared. Buyer Comment (2026-07-01): please redesignate this to a QM loan to clear condition Reviewer Comment (2026-07-01): Provided post closing third party verification which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOE issue. Exception remains. Buyer Comment (2026-06-29): [redacted] Reviewer Comment (2026-06-26): Received the transcripts, however this does not meet ATR requirements. The issue is the verification is dated post closing which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOEissue. Buyer Comment (2026-06-24): Please see attached tax transcripts to clear condition |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225746188 | [Redacted] | [Redacted] | 36746623 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to income document ATR failure. | Reviewer Comment (2026-07-06): Loan has been re-designated to [redacted]. Exception cleared. |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225746188 | [Redacted] | [Redacted] | 36746646 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-06-26): DTI within tolerance. Exception cleared. Buyer Comment (2026-06-24): [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||
| 225746188 | [Redacted] | [Redacted] | 36746650 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Third Paty Verification is missing in file. Please provide for review. | Reviewer Comment (2026-06-25): VOE for [redacted], Exception cleared. Buyer Comment (2026-06-24): Please see attached copy of VVOE to clear conditions. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225746188 | [Redacted] | [Redacted] | 36746651 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Third Paty Verification is missing in file. Please provide for review. | Reviewer Comment (2026-07-08): Loan is re-designated to Non QM. Exception cleared Buyer Comment (2026-07-06): Please redesignate to QM to clear remaining conditions Reviewer Comment (2026-07-01): Provided post closing third party verification which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOE issue. Exception remains. Buyer Comment (2026-06-29): [redacted] Reviewer Comment (2026-06-26): Received the transcripts, however this does not meet ATR requirements. The issue is the verification is dated post closing which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOEissue. Buyer Comment (2026-06-24): [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225746188 | [Redacted] | [Redacted] | 36746653 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | ATR risk due to excessive DTI. This exception will be cleared when all ATR related exceptions are cleared. | Reviewer Comment (2026-07-06): Loan has been re-designated to [redacted]. Exception cleared. Reviewer Comment (2026-07-01): Provided post closing third party verification which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOE issue. Exception remains. Buyer Comment (2026-06-29): [redacted] Reviewer Comment (2026-06-26): Received the transcripts, however this does not meet ATR requirements. The issue is the verification is dated post closing which meets lender guides, but not ATR requirements. Lender may change loan designation to QM to eliminate the post closing VOEissue. Buyer Comment (2026-06-24): [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225746188 | [Redacted] | [Redacted] | 36879488 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of [redacted] QM (APOR) matches the Due Diligence Loan Designation of [redacted] QM (APOR). | Loan has been re-designated to [redacted] QM (APOR). | Reviewer Comment (2026-07-08): Loan is re-designated to Non QM. Exception cleared Buyer Comment (2026-07-06): Please redesignate to QM to clear remaining conditions |
07/08/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225746380 | [Redacted] | [Redacted] | 36746727 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not found in file. | Reviewer Comment (2026-07-01): Driver's licenses and Patriot Act forms, cleared Buyer Comment (2026-06-30): [redacted] Patriot Act Information Form |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225746463 | [Redacted] | [Redacted] | 36746700 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-07): Received the Final Title Policy matching the loan amount. Exception cleared. Buyer Comment (2026-07-02): please see attached Final Title Policy matching the loan amount |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 225746463 | [Redacted] | [Redacted] | 36746701 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-07-07): Received the Final Title Policy matching the loan amount. Exception cleared. |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225746470 | [Redacted] | [Redacted] | 36747307 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-06-22): Received Hazard Insurance Policy Effective Date [redacted]. Exception cleared. Buyer Comment (2026-06-18): Please see attached. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225746470 | [Redacted] | [Redacted] | 36747345 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification for [redacted]was not found in file. | Reviewer Comment (2026-06-22): Insurance verification is not required as property [redacted] is vacant land. Exception cleared. Buyer Comment (2026-06-18): This is vacant land and there is not HOI required or on the property. Please clear condition. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225751245 | [Redacted] | [Redacted] | 36751351 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid COC or lender cure was provided for the increase in 0% tolerance fees. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At Closing |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225752968 | [Redacted] | [Redacted] | 36754042 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report 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 (2026-07-02): Cured at closing or within [redacted]days of consummation prior to [redacted] Reviewer Comment (2026-06-22): [redacted]received rebuttal.. However, the total cure required in order to cure both the exceptions of Credit report and Loan safer report is $[redacted]. Whereas the cure provided is of $[redacted]which is insufficient to cure both the exceptions. Therefore, we would require additional cure of $[redacted]along with cure documents Post CD,LOX and Copy of refund check in order to cure the exception. Buyer Comment (2026-06-19): Hello [redacted], Please remove the condition for the TRID violation. There is already a lender cure on the final CD. Additionally this is an ITIN loan - please remove the condition for proof of citizenship. Please see clip of guide below |
07/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225752968 | [Redacted] | [Redacted] | 36754043 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Safe Report 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 (2026-07-13): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-09): Please see attached. Reviewer Comment (2026-06-22): [redacted]received rebuttal.. However, the total cure required in order to cure both the exceptions of Credit report and Loan safer report is $[redacted]. Whereas the cure provided is of $[redacted]which is insufficient to cure both the exceptions. Therefore, we would require additional cure of $[redacted] along with cure documents Post CD,LOX and Copy of refund check in order to cure the exception. Buyer Comment (2026-06-19): Please remove the condition for the TRID violation. There is already a lender cure on the final CD. |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225752968 | [Redacted] | [Redacted] | 36754052 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Valid passport, visa, or permanent residence card is missing for the borrower, [redacted] | Reviewer Comment (2026-06-22): Available Individual Taxpayer Identification (ITIN) document in file and valid driving license. Exception cleared. Buyer Comment (2026-06-19): Hello [redacted], Please remove the condition for the TRID violation. There is already a lender cure on the final CD. Additionally this is an ITIN loan - please remove the condition for proof of citizenship. Please see clip of guide below Buyer Comment (2026-06-19): Please see clip of guide below |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225752968 | [Redacted] | [Redacted] | 36754055 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Valid passport, visa, or permanent residence card is missing for the borrower, [redacted] | Reviewer Comment (2026-06-22): Available Individual Taxpayer Identification (ITIN) document in file and valid driving license. Exception cleared. Buyer Comment (2026-06-19): Please see clip of guide below Buyer Comment (2026-06-19): Hello [redacted], Please remove the condition for the TRID violation. There is already a lender cure on the final CD. Additionally this is an ITIN loan - please remove the condition for proof of citizenship. Please see clip of guide below |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225752968 | [Redacted] | [Redacted] | 36756074 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for not having lease agreement. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-18): Lender Exception with Compensating Factors provided. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225752968 | [Redacted] | [Redacted] | 36958180 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225754829 | [Redacted] | [Redacted] | 36754381 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | [redacted] due to calculated expenses matching the provided final 1003 total expenses of [redacted], which does not match the qualified expenses of [redacted] on the final 1008. | Reviewer Comment (2026-07-14): Received updated 1003 and DTI within tolerance. Exception cleared. Buyer Comment (2026-07-13): It appears that the private loan with [redacted] for property on [redacted] is not being included in your figures. The lien consists of [redacted] loans ([redacted]) totaling $[redacted]and a payment totaling $[redacted]- Pay history in [redacted]. (please see the correspondence in [redacted]that confirms the[redacted] is the security for these loans). Adding these additional liabilities on your end will result in consistent ratios with [redacted]Bid-Tape. I have attached an updated 1003 showing the liens tied to the property. (Previously they erroneously had the box checked that there weren't any mortgages on this property. After I unchecked that box, the mortgage now shows.) |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225754829 | [Redacted] | [Redacted] | 36754382 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to calculated expenses matching the provided final 1003 total expenses of [redacted], which does not match the qualified expenses of [redacted] on the final 1008. | Reviewer Comment (2026-07-14): Received updated 1003 and DTI within tolerance. Exception cleared. Buyer Comment (2026-07-13): It appears that the private loan with [redacted]for property on [redacted] is not being included in your figures. The lien consists of [redacted] loans ([redacted]) totaling $[redacted]and a payment totaling $[redacted]- Pay history in [redacted]. (please see the correspondence in [redacted]that confirms the [redacted] is the security for these loans). Adding these additional liabilities on your end will result in consistent ratios with [redacted]Bid-Tape. I have attached an updated 1003 showing the liens tied to the property. (Previously they erroneously had the box checked that there weren't any mortgages on this property. After I unchecked that box, the mortgage now shows.) |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754829 | [Redacted] | [Redacted] | 36756969 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA letter or business narrative completed by a licensed tax preparer was not provided | Reviewer Comment (2026-07-14): Alternative documentation operating agreement and Secretary of State Printout meet requirement as per guideline. Exception cleared. Buyer Comment (2026-07-13): In lieu of a CPA letter we have provided the Operating Agreement for the business ([redacted]) acceptable third party verification showing the business is in good standing [redacted], and Division of Business Services filing [redacted]. CPA letter not required. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754829 | [Redacted] | [Redacted] | 36757097 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Unable to confirm lender DTI of [redacted]. The difference is outside of [redacted] tolerance | Reviewer Comment (2026-07-14): Received updated 1003 and DTI within tolerance. Exception cleared. Buyer Comment (2026-07-13): It appears that the private loan with [redacted]for property on[redacted] is not being included in your figures. The lien consists of [redacted] loans ([redacted]) totaling $[redacted]and a payment totaling $[redacted]- Pay history in [redacted]. (please see the correspondence in [redacted]that confirms the [redacted] is the security for these loans). Adding these additional liabilities on your end will result in consistent ratios with [redacted]Bid-Tape. I have attached an updated 1003 showing the liens tied to the property. (Previously they erroneously had the box checked that there weren't any mortgages on this property. After I unchecked that box, the mortgage now shows.) |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225754890 | [Redacted] | [Redacted] | 36754064 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to missing income documentation: CPA letter or third-party verification not provided for income from [redacted] | Reviewer Comment (2026-07-01): Third party verification considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-29): See [redacted] Reviewer Comment (2026-06-24): Sufficient documents are not provided to verify Employment of "[redacted]". Exception Remains Buyer Comment (2026-06-23): Please see [redacted] - these are enough to validate verification of employment |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225754890 | [Redacted] | [Redacted] | 36754065 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | [redacted] due to missing income documentation: CPA letter or third-party verification not provided for income from [redacted] | Reviewer Comment (2026-07-01): Third party verification considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-29): See [redacted] Reviewer Comment (2026-06-24): Sufficient documents are not provided to verify Employment of "[redacted]". Exception Remains Buyer Comment (2026-06-23): Please see [redacted] - these are enough to validate verification of employment |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754890 | [Redacted] | [Redacted] | 36754066 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing income documentation: CPA letter or third-party verification not provided for income from [redacted] | Reviewer Comment (2026-07-01): Third party verification considered. Details verified and updated. Exception cleared. |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754890 | [Redacted] | [Redacted] | 36754067 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | [redacted] due to missing income documentation: CPA letter or third-party verification not provided for income from [redacted]. Tax return extension request has been provided. | Reviewer Comment (2026-07-09): A valid third party verification of employment is provided. Exception cleared Buyer Comment (2026-07-08): See page [redacted] Reviewer Comment (2026-07-01): A CPA letter or third party verification that verifies dates of employment history is not located in the file. Buyer Comment (2026-06-29): See [redacted] Reviewer Comment (2026-06-24): Sufficient documents are not provided to verify Employment of "[redacted]. Exception Remains Buyer Comment (2026-06-23): Please see[redacted] - these are enough to validate verification of employment |
07/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754890 | [Redacted] | [Redacted] | 36754068 | 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 {redacted] ({redacted]) business days prior to closing. | Closing Disclosure [redacted] was not provided to borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-06-24): [redacted]received [redacted] Initial CD, [redacted] business days prior to the consummation. Buyer Comment (2026-06-23): initial cd |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225754890 | [Redacted] | [Redacted] | 36758712 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | CPA letter or third-party verification not provided for income from [redacted] | Reviewer Comment (2026-07-01): Third party verification considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-29): See [redacted] Reviewer Comment (2026-06-24): Sufficient documents are not provided to verify Employment of "[redacted]". Exception Remains Buyer Comment (2026-06-23): Please see [redacted]- these are enough to validate verification of employment |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225754890 | [Redacted] | [Redacted] | 36758715 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] due to missing income documentation: CPA letter or third-party verification not provided for income from [redacted] | Reviewer Comment (2026-07-01): Third party verification considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-29): See [redacted] Reviewer Comment (2026-06-24): Sufficient documents are not provided to verify Employment of "[redacted]". Exception Remains Buyer Comment (2026-06-23): Please see [redacted] - these are enough to validate verification of employment |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754890 | [Redacted] | [Redacted] | 36758716 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | [redacted]due to missing income documentation: CPA letter or third-party verification not provided for income from [redacted] | Reviewer Comment (2026-07-01): Third party verification considered. Details verified and updated. Exception cleared. Buyer Comment (2026-06-29): See [redacted] Reviewer Comment (2026-06-24): Sufficient documents are not provided to verify Employment of "[redacted]". Exception Remains Buyer Comment (2026-06-23): Please see [redacted] - these are enough to validate verification of employment |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225754892 | [Redacted] | [Redacted] | 36754241 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225754946 | [Redacted] | [Redacted] | 36754514 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for not having [redacted] months landlord history. The lender exception form approval was not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Client elects to waive with compensating factors. Reviewer Comment (2026-07-02): Received lender exception approval for not having [redacted] months landlord history. Buyer Comment (2026-07-01): please see attached, looks like the [redacted] upload had an error. thanks! Reviewer Comment (2026-06-30): Reviewed all documentation, however the referenced document was not located Buyer Comment (2026-06-25): please see attached lender exception |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MD | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225754949 | [Redacted] | [Redacted] | 36754569 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-10): Received CDA for subject Property. Value updated and Document Associated. Exception cleared. Buyer Comment (2026-07-08): please see attached CDA report |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OH | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225757845 | [Redacted] | [Redacted] | 36754214 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal 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 (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225757856 | [Redacted] | [Redacted] | 36754311 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-06): Received proof/receipt which confirms copy of appraisal e-mail to borrower from [redacted] business days prior to closing date. Exception Cleared. Buyer Comment (2026-07-01): uploaded proof the appraisal was sent to the borrower |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225757856 | [Redacted] | [Redacted] | 36754312 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Reviewer Comment (2026-07-06): Received proof/receipt which confirms copy of appraisal e-mail to borrower from [redacted] business days prior to closing date. Exception Cleared. Buyer Comment (2026-07-01): proof the appraisal was sent to the borrower. Not sure where the document I uploaded on [redacted] went Reviewer Comment (2026-06-29): Require proof/receipt which confirms copy of appraisal deliver to borrower from [redacted] business days prior to closing date., as no revised document uploaded/shows in file. Exception Remains. Buyer Comment (2026-06-25): appraisal sent to bwr |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225757912 | [Redacted] | [Redacted] | 36754361 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment Schedule [redacted] # [redacted] reflects an open lien in the amount of $[redacted]. Please provide evidence of paid/satisfied and that it will not have a negative impact on title commitment. | Reviewer Comment (2026-07-14): Email confirmation from title and invoice payoff located in the file. Exception cleared. Buyer Comment (2026-07-11): The documents to show this lien is satisfied/released is in [redacted]however it is broken up into several documents. I would suggest going to [redacted]and unstack your documents which will bring up all the documents in order. (Includes [redacted]) |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225758286 | [Redacted] | [Redacted] | 36755094 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | CPA letter does not have a document date. | Reviewer Comment (2026-06-24): Cleared. Received LOE from CPA to confirm date for the original CPA letter. Buyer Comment (2026-06-23): CPA letter with date |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225758286 | [Redacted] | [Redacted] | 36755158 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification and Mortgage Statement are missing for properties located at [redacted] | Reviewer Comment (2026-06-24): Cleared. Received credit supplement for HELOC. Buyer Comment (2026-06-23): Per the credit sup that is what the current P & I is. Reviewer Comment (2026-06-23): Received Insurance Verification and Mortgage Statement . As per [redacted]P&I amount is $[redacted], however received Mortgage Statement shows P&I amount as $[redacted]. There is a difference in P&I amount. Please provide updated Mortgage Statement. Exception remains Buyer Comment (2026-06-22): reo docs |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225758286 | [Redacted] | [Redacted] | 36755159 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for property located at[redacted] | Reviewer Comment (2026-06-23): Received Mortgage Statement. Exception cleared Buyer Comment (2026-06-22): see uploaded |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225765803 | [Redacted] | [Redacted] | 36759915 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing a final closing statement, signed/dated or certified stamped, reflecting the $[redacted]funds sent to the closing attorney on [redacted]. | Reviewer Comment (2026-07-27): Received final statement. Condition cleared. Reviewer Comment (2026-07-20): Received Disbursement Ledger. Please provided Final Closing Statement reflecting $[redacted]funds sent to the closing attorney. Exception remains. Buyer Comment (2026-07-16): Disbursement ledger Reviewer Comment (2026-07-06): Provided Final Closing Statement does not reflect $[redacted]funds sent to the closing attorney on [redacted]. Exception remains. Buyer Comment (2026-07-01): [redacted] |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225765826 | [Redacted] | [Redacted] | 36774997 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-25): E-Sign Consent Agreement provided. Exception cleared. Buyer Comment (2026-06-24): audit trail |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225767226 | [Redacted] | [Redacted] | 36760046 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-07-13): Received final title policy document. Exception Cleared. Buyer Comment (2026-07-09): Not every borrower is required to be on title. [redacted]is a cosigner. Please clear Reviewer Comment (2026-07-06): Final Title provided however as per vesting rider the title is vested in the name of [redacted] whereas the [redacted]shows [redacted] also as a borrower. Exception remains. Buyer Comment (2026-07-02): title |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225767226 | [Redacted] | [Redacted] | 36760061 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: 2 | No secondary appraisal or hybrid interior appraisal was required. | Reviewer Comment (2026-07-15): Secondary valuation is provided for property, Exception cleared. Buyer Comment (2026-07-14): CDA |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225767226 | [Redacted] | [Redacted] | 36760116 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted] due to QM points and fee. | Reviewer Comment (2026-07-01): As per response consider "revised tenancy approval letter as rent letter/lease agreement from the[redacted]to verify the rental income. Exception cleared. |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225767226 | [Redacted] | [Redacted] | 36760117 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to QM points and fee. | Reviewer Comment (2026-07-01): As per response consider "revised tenancy approval letter as rent letter/lease agreement from the [redacted] to verify the rental income. Exception cleared. |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225767226 | [Redacted] | [Redacted] | 36760153 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted] % Method |
Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted] % Method) using reasonably reliable third-party records. |
Letter of explanation for rental income was already provided. | Reviewer Comment (2026-07-01): As per response consider "revised tenancy approval letter as rent letter/lease agreement from the [redacted] to verify the rental income. Exception cleared. Buyer Comment (2026-06-29): [redacted] is the rent letter from the [redacted] Housing Authority confirming the rental amount |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225767226 | [Redacted] | [Redacted] | 36760197 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal 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 (2026-07-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-06-29): cured at closing |
07/01/2026 | 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 | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225767226 | [Redacted] | [Redacted] | 36760198 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit report 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 (2026-07-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-06-29): cured at closing |
07/01/2026 | 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 | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225767226 | [Redacted] | [Redacted] | 36760199 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Title abstract/title search 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 (2026-07-01): [redacted]received rebuttal suffice Buyer Comment (2026-06-30): This is a regular title fee the borrower shopped for and should be removed from [redacted] tolerance |
07/01/2026 | 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 | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225767226 | [Redacted] | [Redacted] | 36809829 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-07-01): As per available Borrower "[redacted] Credit report DOC ID [redacted]information re-validated consider [redacted]Middle credit score accordingly. Exception Cleared. Buyer Comment (2026-06-30): Hi, can you please check document [redacted]in the package. It is the most recent [redacted]for [redacted]which has [redacted] scores, with [redacted]as its middle score. Thank you. Reviewer Comment (2026-06-25): Brw [redacted] only has [redacted] scores provided and we are using the lower of the [redacted] which is [redacted]. Exception remains Buyer Comment (2026-06-23): [redacted] is the primary income earner, so her [redacted]should be used and it's [redacted]as per the most recent [redacted]which is [redacted]in the shipped package. Please review. Thank you! |
07/01/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||||||
| 225767226 | [Redacted] | [Redacted] | 36861072 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 225767226 | [Redacted] | [Redacted] | 36861073 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 225767746 | [Redacted] | [Redacted] | 36759564 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date[redacted]. | Most recent year tax return not provided in the file. | Reviewer Comment (2026-07-21): Client elects to waive. Reviewer Comment (2026-07-15): 1040 for year [redacted]is not provided in file. Exception remains Buyer Comment (2026-07-14): Taxes on extension Reviewer Comment (2026-07-09): Received Transcripts are already provided in file. Tax Return for year [redacted] is required. Exception remains. Buyer Comment (2026-07-07): Tax |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225767746 | [Redacted] | [Redacted] | 36759682 | 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 [redacted]([redacted]) 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. | E consent provided after LE was electronically issued to the borrower. | Reviewer Comment (2026-07-09): [redacted]received earliest consent. Buyer Comment (2026-07-07): eConsent |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225767746 | [Redacted] | [Redacted] | 36771552 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225767881 | [Redacted] | [Redacted] | 36761072 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure is missing in file. | Reviewer Comment (2026-06-26): Received Final Closing statement. Exception Cleared Buyer Comment (2026-06-24): This is the [redacted]. ignore the [redacted] Buyer Comment (2026-06-24): [redacted] |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225767881 | [Redacted] | [Redacted] | 36761073 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing Disclosure reflecting secured loan of $[redacted]is missing in file. | Reviewer Comment (2026-06-26): Received required documentation. Cleared. Reviewer Comment (2026-06-25): Cash to amount not provided in final settlement statement ([redacted]) for [redacted] loan. Exception Remains. Buyer Comment (2026-06-24): [redacted]for [redacted]loan |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225767881 | [Redacted] | [Redacted] | 36767765 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request to calculate DSCR payment with I.O. at [redacted]% LTV is approved. Lender exception was mentioned on the 1008 but the lender request form with disposition has not been provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-26): Client elects to waive with compensating factors. Buyer Comment (2026-06-24): exception |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OR | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225769323 | [Redacted] | [Redacted] | 36760102 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement missing in file for address [redacted] | Reviewer Comment (2026-06-29): Received lease agreement. Exception cleared. Buyer Comment (2026-06-25): Please see attached copy of lease agreement for REO property to clear condition |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225769323 | [Redacted] | [Redacted] | 36760165 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to Lease Agreement missing in file for address[redacted]. | Reviewer Comment (2026-06-29): Received lease agreement. Exception cleared. Buyer Comment (2026-06-25): [redacted] |
06/29/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225769323 | [Redacted] | [Redacted] | 36760167 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease Agreement missing in file for address [redacted]. | Reviewer Comment (2026-06-29): Received lease agreement. Exception cleared. Buyer Comment (2026-06-25): [redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225769323 | [Redacted] | [Redacted] | 36760171 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to Lease Agreement missing in file for address [redacted] | Reviewer Comment (2026-06-29): Received lease agreement. Exception cleared. |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225769340 | [Redacted] | [Redacted] | 36760820 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | {redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | The borrower was not provided the Right Not to Close Disclosure at closing. | Reviewer Comment (2026-07-02): Disclosure received. Buyer Comment (2026-06-30): disclosure upld |
07/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225769340 | [Redacted] | [Redacted] | 36760822 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225769586 | [Redacted] | [Redacted] | 36761120 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | P&I -$[redacted] Taxes $[redacted] Insurance - $[redacted] Lease Income -$[redacted] DSCR -[redacted] |
Reviewer Comment (2026-06-24): Received DSCR worksheet. Exception cleared. Buyer Comment (2026-06-23): We do not agree with your calculations. taxes are [redacted]annually. [redacted]is semi annual amount. Once you correct that we match |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225770315 | [Redacted] | [Redacted] | 36767828 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing in file. | Reviewer Comment (2026-07-09): Received Articles of Organization as required. Exception cleared. Buyer Comment (2026-07-08): Please see attached ALL copies of LLC docs [redacted] used prior to closing to clear this condition Reviewer Comment (2026-07-02): Per guideline requirements, an Articles of Organization and an Operating Agreement are both required documents. An Articles of Organization is not located in the file. Buyer Comment (2026-06-30): Kindly reconsider and remove this condition. The provided trailing document is sufficient to clear this condition Reviewer Comment (2026-06-30): Required Articles of Organization for Borrower's Business Entity. Exception Remains. Buyer Comment (2026-06-26): The document provided shows how the owners ad or co-owners will establish and run the business. This is enough to clear the condition. Kindly remove condition Reviewer Comment (2026-06-25): Operating Agreement does not clear need for Articles of Organization/Formation Buyer Comment (2026-06-25): Please see attached copy of operating agreement to clear condition |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225770322 | [Redacted] | [Redacted] | 36772997 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception form missing in file for approved exception for DSCR less than [redacted]being mixed use. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-25): Client elects to waive with compensating factors. Reviewer Comment (2026-06-25): Received lender exception approval for lower of current leases or market rent reflecting min [redacted]to be [redacted] Buyer Comment (2026-06-23): exception |
06/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 225770322 | [Redacted] | [Redacted] | 36823526 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for max LTV for mixed use proeprty is [redacted]%. | Borrower has owned the subject property for at least [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-25): Client elects to waive with compensating factors. |
06/25/2026 | Yes | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225770332 | [Redacted] | [Redacted] | 36772824 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-07-10): Received replacement cost estimator to cover the shortfall and also insurance policy covers the replacement cost of the dwelling. Exception Cleared. Buyer Comment (2026-07-09): [redacted]letter Reviewer Comment (2026-07-01): Require replacement cost estimator or HOI document states Replacement Cost up to Dwelling Coverage, or provides the Replacement Cost Estimate or Replacement Cost Value ([redacted]), that will be the replacement cost estimator. If there's an email from the insurance company stating [redacted]% replacement cost, policy indicates [redacted]% replacement cost coverage up to policy limit However available insurance document shows replacement cost dwelling" included" which does not fulfill the requirement as it's not the similar verbiage which is stated above. Exception Remains. Buyer Comment (2026-06-29): HOI rebuttal, replacement cost is listed on the dec page |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225770333 | [Redacted] | [Redacted] | 36767857 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Only the first [redacted]pages were provided for [redacted]account #[redacted], [redacted], [redacted] [redacted]and [redacted], [redacted] [redacted]bank statements; the remaining pages are missing. The most recent [redacted]months of statements must be provided for any account that will be utilized for asset qualification. | Reviewer Comment (2026-07-02): Received fully completed bank statements verified and associated, exception cleared. Buyer Comment (2026-06-30): Please see attached Buyer Comment (2026-06-30): Please see attached. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770333 | [Redacted] | [Redacted] | 36767864 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing pages in bank statement. | Reviewer Comment (2026-07-02): Received fully completed bank statements verified and associated, exception cleared. Buyer Comment (2026-06-30): [redacted] |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225770333 | [Redacted] | [Redacted] | 36767865 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to missing pages in bank statement. | Reviewer Comment (2026-07-02): Received fully completed bank statements verified and associated, exception cleared. Buyer Comment (2026-06-30): [redacted] |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770359 | [Redacted] | [Redacted] | 36767835 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted]Tax Return was not found in file. See UPDATE comment. |
Reviewer Comment (2026-07-17): Cleared. Received third party verification of employment. Buyer Comment (2026-07-16): third party verification Buyer Comment (2026-07-16): signed tax returns Reviewer Comment (2026-07-08): Was able to clear the asset issue. The remaining issue is the [redacted]party verification provided for the borrower's business is dated post closing which does not meet Non QM [redacted]requirements. The business tax returns are also not signed/dated by the borrower. [redacted]is unable to clear Buyer Comment (2026-07-07): We have sufficient assets. Anyone has full access to funds on a personal account. Third party verification and signed [redacted]not required since the borrower is on w2 income. Reviewer Comment (2026-07-01): Failure due to insufficient assets, the [redacted]'s are not signed and dated and the file is missing a [redacted]party verification for the borrowers business supporting the dates of operation and good standing. The [redacted]extension for the business returns was located. Once all issues have been dealt with, loan will be re-ran to determine compliance. Buyer Comment (2026-06-29): [redacted]is the personal tax extension |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225770359 | [Redacted] | [Redacted] | 36767836 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment -[redacted] Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current [redacted] status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | [redacted]Tax Return was not found in file. | Reviewer Comment (2026-07-17): Cleared. Received third party verification of employment. Reviewer Comment (2026-07-08): Was able to clear the asset issue. The remaining issue is the third party verification provided for the borrower's business is dated post closing which does not meet Non QM [redacted]requirements. The business tax returns are also not signed/dated by the borrower. [redacted]is unable to clear Buyer Comment (2026-07-07): [redacted]is the articles/third party verification, and the good standing I just submitted has the business date of creation. Buyer Comment (2026-07-07): Good standing Reviewer Comment (2026-07-01): Failure due to insufficient assets, the [redacted]'s are not signed and dated and the file is missing a [redacted]party verification for the borrowers business supporting the dates of operation and good standing. The [redacted]extension for the business returns was located. Once all issues have been dealt with, loan will be re-ran to determine compliance. Buyer Comment (2026-06-29): [redacted] is the [redacted]extension |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225770359 | [Redacted] | [Redacted] | 36767837 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted]Tax Return was not found in file. | Reviewer Comment (2026-07-17): Cleared. Received third party verification of employment. |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225770359 | [Redacted] | [Redacted] | 36767838 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date[redacted], Tax Return Due Date [redacted]. | [redacted]Tax Return was not found in file. | Buyer Comment (2026-07-22): Waived Reviewer Comment (2026-07-17): Exception is an [redacted]informative [redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. Reviewer Comment (2026-07-01): Failure due to insufficient assets, the [redacted]'s are not signed and dated and the file is missing a [redacted]party verification for the borrowers business supporting the dates of operation and good standing. The [redacted]extension for the business returns was located. Once all issues have been dealt with, loan will be re-ran to determine compliance. Buyer Comment (2026-06-29): [redacted]is the [redacted]extension |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225770359 | [Redacted] | [Redacted] | 36773413 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Please provide additional[redacted] most recent consecutive assets to support reserves requirement. Additional requirement may apply. | Reviewer Comment (2026-07-08): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-07-07): An access letter would only be used for a business account. For a joint personal account, all account owners have access to [redacted]% of the funds. Reviewer Comment (2026-07-01): The account is also held by a non borrowing non spouse. Access letter for full use of these funds was not located in the file. Buyer Comment (2026-06-29): Please provide evidence for why you are using only [redacted]% of the bank [redacted] account. [redacted]% should be used |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225770359 | [Redacted] | [Redacted] | 36773424 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Please provide additional [redacted] most recent consecutive assets to support reserves requirement. Additional requirement may apply. | Reviewer Comment (2026-07-08): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-07-01): The account is also held by a non borrowing non spouse. Access letter for full use of these funds was not located in the file. Buyer Comment (2026-06-29): Please provide evidence for why you are using only [redacted]% of the bank [redacted] account. [redacted]% should be used. Only [redacted] month statement is required per the aus. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225770359 | [Redacted] | [Redacted] | 36773431 | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. | Please provide additional [redacted] most recent consecutive assets to support reserves requirement. Additional requirement may apply. | Reviewer Comment (2026-07-08): Received clarification/approval/documentation from lender. Condition cleared. Reviewer Comment (2026-07-01): The account is also held by a non borrowing non spouse. Access letter for full use of these funds was not located in the file. Buyer Comment (2026-06-29): Please provide evidence for why you are using only [redacted]% of the bank [redacted] account. [redacted]% should be used. Only [redacted]month statement is required per the aus. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225770361 | [Redacted] | [Redacted] | 36773118 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule C part 1 items #[redacted]reflects mechanics and materialmen's affidavit and claim of lien with outstanding balances in the amount of $[redacted]. Seller's HUD 1 does not reflect payoff of [redacted]. Please provide evidence the lien has been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-07-15): Release of Mechanic's Lien received. Exception cleared. Buyer Comment (2026-07-14): Release of Lien |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225770365 | [Redacted] | [Redacted] | 36767840 | 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 (2026-07-08): Corrected Title document received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-07): title commitment |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Refinance - Cash-out - Other | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225770365 | [Redacted] | [Redacted] | 36767848 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-06-30): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-26): PCCD, LOX, Label and Check |
06/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | 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 | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225770367 | [Redacted] | [Redacted] | 36777160 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-06-25): [redacted]received a valid COC. Buyer Comment (2026-06-24): coc & LE with proof of reason |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225770470 | [Redacted] | [Redacted] | 36768147 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-07-08): Received E-sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-07): econsent upld |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770470 | [Redacted] | [Redacted] | 36768226 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Please provide a hazard insurance policy for the subject property. | Reviewer Comment (2026-07-08): Received Hazard Insurance Policy and Replace Cost Estimator are verified and associated, exception cleared. Buyer Comment (2026-07-07): hoi & rce upld |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225770590 | [Redacted] | [Redacted] | 36768300 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Fee was disclosed on initial Loan Estimate as $[redacted], but disclosed on final Closing Disclosure as $[redacted]. File does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in file. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225770590 | [Redacted] | [Redacted] | 36777541 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted]-month housing history is not located in the file. There is a note in the file that has $[redacted]per month that was sold by the borrowers. The promissory note that we do have for [redacted] is not signed. Can you upload the signed copy please? | Reviewer Comment (2026-07-22): Document provided [redacted] Reviewer Comment (2026-07-17): No new documents provided please upload Required supporting documents for housing history or exception with compensating factors. Exception Remains. Buyer Comment (2026-07-15): Note for balloon payment Reviewer Comment (2026-07-10): File was missing documentation to verify housing history. Exception remains. Buyer Comment (2026-07-08): 1003 Reviewer Comment (2026-07-01): Required supporting documents for housing history or exception with compensating factors. Exception Remains. Buyer Comment (2026-06-30): would you need us to get an exception? The borrower has a private loan, and the note doesn't have a requirement of a monthly payment agreement. Reviewer Comment (2026-06-25): Require supporting document confirming [redacted]-months housing history-Exception remains Buyer Comment (2026-06-24): There is no payment history as borrower doesn't have a monthly payment |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225770784 | [Redacted] | [Redacted] | 36768041 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Property #[redacted] does not have HOA documents. Other expenses of $[redacted]do not have any supporting documents. | Reviewer Comment (2026-06-25): HOA Verification is already provided in file. Exception cleared. Buyer Comment (2026-06-23): see [redacted]this amount is the HOA dues |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770840 | [Redacted] | [Redacted] | 36768165 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | Reviewer Comment (2026-07-01): Rental income is not used in qualification and 1007 Rent Comparison Schedule is not required. Exception cleared. Buyer Comment (2026-06-29): This condition is invalid and should be cancelled. We are not using rental income to qualify, so there is not a 1007 need nor required. Please clear condition. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||||
| 225770840 | [Redacted] | [Redacted] | 36768287 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold | {redacted] Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of [redacted]% of Total Loan Amount. | Reviewer Comment (2026-07-24): Confirmed no fees were financed. Reviewer Comment (2026-07-24): Exception has been escalated. Buyer Comment (2026-07-21): The final Closing Disclosure confirms that Closing Costs Financed (Paid from Loan Amount) is $[redacted]. Minn. Stat. § [redacted], Subd. [redacted] prohibits including lender fees in the principal amount exceeding [redacted]% of the loan amount. Because no lender fees were included in the principal amount of this loan, the statutory cap is not implicated. Reviewer Comment (2026-07-01): ""Loan amount" means: ([redacted]) for a line of credit, the maximum principal amount of the line of credit; and ([redacted]) for any other residential mortgage loan, the principal amount of the residential mortgage loan excluding all interest, points, finance charges, fees, and other charges." For this loan, that total loan amount is calculated to be $[redacted]($[redacted]- [redacted]). That TLA x [redacted]% = a max financed fees limit of $[redacted]. Their financed fees of $[redacted]exceeds this amount, which is what is driving the exception. The financed fees include the following: $[redacted]Loan Discount, $[redacted]Prepaid Interest, $[redacted]Processing Fee, $[redacted]Underwriting Fee. Reviewer Comment (2026-07-01): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-06-29): We have reviewed the subject loan and confirm that the financed fees do not exceed [redacted]% of the Total Loan Amount as defined under the [redacted] Residential Originator and Servicer Licensing Act. Based on a recalculation of the applicable financed fees, the total financed fees equal [redacted]% of the Total Loan Amount, which is within the allowable limit. Please clear condition. |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MN | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||||
| 225770842 | [Redacted] | [Redacted] | 36777421 | Credit | Guideline | Guideline Issue | Guideline | Borrower does not meet the guideline requirements for a non-permanent resident alien. | Holders of the following visa categories are eligible for financing: [redacted], and [redacted] visa. Applicants must all other [redacted] Expanded guidelines based on the specific product. The visa must be valid as of the note date. Holders of an Employment Authorization Document with code of [redacted] are eligible. A copy of the borrower's Passport was provided. However, a copy of a valid VISA is missing. | Reviewer Comment (2026-07-21): Borrower [redacted]document can be consider in place of [redacted]document, also as per CPA document DOC ID [redacted]confirms the same. Exception Cleared. Buyer Comment (2026-07-17): This loan is approved under the [redacted] Program. Please see CPA [redacted]letter [redacted]information. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225770842 | [Redacted] | [Redacted] | 36777664 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid COC was not provided and a cure was not disclosed. | Reviewer Comment (2026-07-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-17): Please see attached PCCD, Cover Letter, Cure Check and proof [redacted] delivered. |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225771358 | [Redacted] | [Redacted] | 36767985 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-29): Received Title Supplement with policy amount $[redacted]. Exception cleared Buyer Comment (2026-06-26): Title commitment |
06/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225771384 | [Redacted] | [Redacted] | 36777833 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-07-08): DTI corrected on Bid tape data to reflect as [redacted]% which matches with recent [redacted]. Exception cleared. Buyer Comment (2026-07-07): Bid tape has been corrected Reviewer Comment (2026-07-06): The exception will be revisited when updated bid tape is received. Buyer Comment (2026-07-01): this should be corrected now Reviewer Comment (2026-06-29): Calculated DTI is [redacted]% using qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-06-26): corrected [redacted] Reviewer Comment (2026-06-25): DTI discrepancy due to initial [redacted] considered $[redacted]primary property expense and subject property rental income considered $[redacted], please provide corrected [redacted]. Exception remains. Buyer Comment (2026-06-24): Please provide the variance as I see everything matches us. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225771391 | [Redacted] | [Redacted] | 36770417 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 increased on Final Closing Disclosure dated [redacted] with no valid change evident. | Reviewer Comment (2026-06-26): [redacted]received COC dated [redacted] Buyer Comment (2026-06-24): LE with lock & CD with extension |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225771684 | [Redacted] | [Redacted] | 36770546 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-06-25): [redacted] received Post CD and LOX by moving fee to section [redacted]. Buyer Comment (2026-06-24): PCCD, LOX and email from title |
06/25/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225772155 | [Redacted] | [Redacted] | 36771435 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard policy for [redacted] is not located in the loan file | Reviewer Comment (2026-06-24): Hazard Insurance Policy, cleared Buyer Comment (2026-06-24): HOI |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225772576 | [Redacted] | [Redacted] | 36772977 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | A copy of the deed transferring the property is required. The title indicates [redacted]additional title holders that did not sign the security instrument. Clarification and possible corrections may be required. | Reviewer Comment (2026-07-01): Deed transferring the property, cleared Buyer Comment (2026-07-01): deed Reviewer Comment (2026-06-30): Need the deed transferring the property Buyer Comment (2026-06-30): please see the corrected title to remove the additional title holders prior to closing |
07/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225774333 | [Redacted] | [Redacted] | 36771248 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Failure due to The VVOE dated within [redacted]business days prior to note date for the [redacted]was not located in the file. | Reviewer Comment (2026-07-09): Received third party verification of employment for coborrower, Exception Cleared Buyer Comment (2026-07-08): b2 final voe upld to trl docs |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | RI | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225774333 | [Redacted] | [Redacted] | 36771249 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | VVOE is missing. | Reviewer Comment (2026-07-09): Received third party verification of employment for coborrower, Exception Cleared Buyer Comment (2026-07-08): b2 final voe upld to trl docs |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225774333 | [Redacted] | [Redacted] | 36771250 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | VVOE is missing. | Reviewer Comment (2026-07-09): Received third party verification of employment for coborrower, Exception Cleared Buyer Comment (2026-07-08): b2 final voe upld to trl docs |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225774333 | [Redacted] | [Redacted] | 36771252 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | VVOE is missing. | Reviewer Comment (2026-07-09): Received third party verification of employment for coborrower, Exception Cleared |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225774333 | [Redacted] | [Redacted] | 36771271 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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.) | VVOE not provided. | Reviewer Comment (2026-07-09): Received third party verification of employment for coborrower, Exception Cleared Buyer Comment (2026-07-08): b2 final voe upld to trl docs |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225774333 | [Redacted] | [Redacted] | 36771282 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | B2 VVOE not provided. | Reviewer Comment (2026-07-09): Received third party verification of employment for coborrower, Exception Cleared Buyer Comment (2026-07-08): b2 final voe upld to trl docs |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225774333 | [Redacted] | [Redacted] | 36778806 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The VVOE dated within [redacted]business days prior to note date for the [redacted]was not located in the file. | Reviewer Comment (2026-07-09): Received third party verification of employment for coborrower, Exception Cleared Buyer Comment (2026-07-08): b2 final voe upld |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225774897 | [Redacted] | [Redacted] | 36772083 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225774908 | [Redacted] | [Redacted] | 36772284 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-06-30): Verification of E-Consent date provided Buyer Comment (2026-06-29): Please see attached. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225774908 | [Redacted] | [Redacted] | 36772287 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid COC or lender cure was provided for the increase in [redacted]% Tolerance Fees. | Reviewer Comment (2026-07-01): [redacted] received valid COC document Buyer Comment (2026-06-29): Please see attached LE and Rate Lock form. At this time the rate was lock and the client opted to pay the discount points to decrease the interest rate. There was a COC done and this was disclosed to the borrower on [redacted]. Please clear condition. |
07/01/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225775192 | [Redacted] | [Redacted] | 36805319 | 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 [redacted] lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller closing disclosure is missing in file. | Reviewer Comment (2026-06-29): [redacted] received a seller CD with seller paid closing costs. Buyer Comment (2026-06-25): Sellers CD |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225775192 | [Redacted] | [Redacted] | 36807501 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing for this property. | Reviewer Comment (2026-06-30): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-06-25): LOE |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225775200 | [Redacted] | [Redacted] | 36774967 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | Acknowledged and acceptable, specific details are not found in the guideline. | Reviewer Comment (2026-07-02): Payment shock within guidelines limit. Exception Cleared. Buyer Comment (2026-06-30): Condition acknowledges there is no issue with the payment shock, please cancel |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225775208 | [Redacted] | [Redacted] | 36775171 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-20): Sufficient Cure Provided At Closing |
06/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225775209 | [Redacted] | [Redacted] | 36775365 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. | Reviewer Comment (2026-06-25): [redacted] upon review the LE was disclosed timely to borrower. Buyer Comment (2026-06-24): LE & Audit trail |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225775211 | [Redacted] | [Redacted] | 36774727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | No Valid COC or lender cure was provided for the increase in [redacted]% tolerance fees. | Reviewer Comment (2026-06-26): [redacted] received rebuttal comment and as per rate lock dated [redacted]. Buyer Comment (2026-06-24): The initial lock was locked with [redacted]then decreased to [redacted] |
06/26/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225775216 | [Redacted] | [Redacted] | 36774829 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-30): Received Final Title policy document with valid policy amount. Exception Cleared. |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225775216 | [Redacted] | [Redacted] | 36774846 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Guideline Available for Reserves of $[redacted]is less than the Calculated Reserves of $[redacted]. | Reviewer Comment (2026-07-30): As per response verified additional reserves are not required per [redacted] as loan is approved on [redacted] which states Loans may be underwritten utilizing [redacted]Findings, information re-validated. Exception cleared. Buyer Comment (2026-07-28): Additional reserves are not required per [redacted]) as loan is approved on [redacted] guidelines which states Loans may be underwritten utilizing [redacted] Findings. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225775216 | [Redacted] | [Redacted] | 36774856 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Guideline Reserve available of $[redacted]is less than the calculated available reserve of $[redacted]. | Reviewer Comment (2026-07-30): As per response verified additional reserves are not required per[redacted]as loan is approved on [redacted] which states Loans may be underwritten utilizing [redacted]Findings, information re-validated. Exception cleared. Buyer Comment (2026-07-28): Additional reserves are not required per [redacted] as loan is approved on [redacted] Agency guidelines which states Loans may be underwritten utilizing [redacted]Findings. |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225775216 | [Redacted] | [Redacted] | 36774857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Guideline Reserve available of $[redacted]is less than the calculated available reserve of $[redacted]. | Reviewer Comment (2026-07-30): As per response verified additional reserves are not required per [redacted] as loan is approved on [redacted] which states Loans may be underwritten utilizing [redacted]Findings, information re-validated. Exception cleared. Buyer Comment (2026-07-28): Additional reserves are not required per [redacted] as loan is approved on [redacted] Agency guidelines which states Loans may be underwritten utilizing [redacted]Findings. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225775216 | [Redacted] | [Redacted] | 36778422 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-30): Received Final Title policy document with valid policy amount. Exception Cleared. Buyer Comment (2026-07-28): Please see attached title policy report showing loan amount of $[redacted] |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225775222 | [Redacted] | [Redacted] | 36775166 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Re-Inspection Fee added to Closing Disclosure [redacted], with no valid change evident. Lender credit for tolerance cure of $[redacted]is not sufficient to cover all fees over the limit. | Reviewer Comment (2026-07-09): Cured at closing or within [redacted]days of consummation prior to [redacted] Buyer Comment (2026-07-08): See final CD at [redacted]page [redacted], cure is at bottom of page [redacted] |
07/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225775222 | [Redacted] | [Redacted] | 36775167 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review fee added to Closing Disclosure [redacted], with no valid change evident. Lender credit for tolerance cure of $[redacted]is not sufficient to cover all fees over the limit. | Reviewer Comment (2026-07-15): [redacted]received rebuttal comment and as per [redacted] no cure required. Buyer Comment (2026-07-14): [redacted] is above [redacted] ,file was locked [redacted] with program that needed appraisal review based on score Reviewer Comment (2026-07-09): [redacted] received a Change of Circumstance (COC) dated [redacted] indicating an extended rate lock program and the addition of an appraisal review fee. However, it is unclear how the rate lock extension resulted in the appraisal review fee, as such fees are typically associated with additional property valuation services. Additional documentation explaining the relationship between the rate lock extension and the appraisal review fee, or a cure, is required. Buyer Comment (2026-07-08): RLE with COC |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225775222 | [Redacted] | [Redacted] | 36775168 | 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 [redacted]([redacted]) business days prior to closing. | Initial Closing Disclosure not provided to borrower(s) at least [redacted]([redacted]) business days prior to closing. | Reviewer Comment (2026-07-15): [redacted]received initial CD. Buyer Comment (2026-07-14): CD Reviewer Comment (2026-07-09): [redacted]received a Disclosure Tracking Summary indicating that the initial CD was sent to and received by the borrower on [redacted]. However, the [redacted] CD was not located in the loan file. Please provide the missing document for review and testing to clear the exception Buyer Comment (2026-07-08): Disclosure Tracking |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225775222 | [Redacted] | [Redacted] | 36976348 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225775282 | [Redacted] | [Redacted] | 36778612 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The subject has an unpermitted addition which consists of [redacted] bedrooms, a dining area and laundry room. The square footage is not included in the total GLA. The subject has a second permitted bathroom that is only accessed from the exterior; therefore, there is functional obsolescence due to access to the second bathroom. | Reviewer Comment (2026-06-26): The appraiser commented that the addition was completed in a workmanlike manner and demonstrate that the addition does not have any adverse impact on marketability as required per lender guidelines. Buyer Comment (2026-06-24): is there something needed for this? |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225775413 | [Redacted] | [Redacted] | 36775466 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-10): Received Hazard Insurance Policy with Mortgagee Clause and Dwelling amount. Exception cleared. Buyer Comment (2026-07-09): complete hoi and rce upld Reviewer Comment (2026-07-09): Required hazard Insurance document with subject property address, Mortgage Clause and Dwelling amount missing in loan file. Exception remains Buyer Comment (2026-07-08): hoi & rce upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225775413 | [Redacted] | [Redacted] | 36775467 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-09): E-Sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-07-08): econsent upld |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225775413 | [Redacted] | [Redacted] | 36775470 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit report fee increased from $[redacted]to $[redacted]without any valid changed circumstances; no cure was provided. | Reviewer Comment (2026-07-16): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-15): pccd docs upld Reviewer Comment (2026-07-10): [redacted] received rebuttal comment and invoice but an increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. Please provide more information as to why the credit report was again ordered on [redacted] or Cure would be required. Buyer Comment (2026-07-08): credit report invoice dated [redacted]showing report ordered [redacted] upld |
07/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225775424 | [Redacted] | [Redacted] | 36797140 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2026-07-02): Hazard policy received and details verified. Exception cleared. Buyer Comment (2026-07-01): HOI |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225775466 | [Redacted] | [Redacted] | 36775414 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Requested: The subject is a SFR with [redacted]bed/[redacted]bath, well and septic on [redacted]ac. The subject is legal zoning. CDA is required. The subject does not have any agricultural use or income producing use. The subject is located on a large parcel but is not considered rural. The Rural residential/Agricultural zone is a common name for zones in multiple towns in the local markets and does not necessarily mean the property is in a rural area. The subject's location is considered to be suburban. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-22): Pre approved exception |
06/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| 225775466 | [Redacted] | [Redacted] | 36775418 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-20): Sufficient Cure Provided At Closing |
06/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225775466 | [Redacted] | [Redacted] | 36775419 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-20): Sufficient Cure Provided At Closing |
06/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225775485 | [Redacted] | [Redacted] | 36779017 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-26): Received E-sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-06-24): audit trail |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225775789 | [Redacted] | [Redacted] | 36774894 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-07-01): A Final signed and dated 1003 is provided. Exception cleared. Buyer Comment (2026-06-30): 1003 Reviewer Comment (2026-06-25): 1003 ([redacted]) document has been received; however, the borrower's [redacted] is not present on the document. Exception Remains. Buyer Comment (2026-06-24): 1003 |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225778203 | [Redacted] | [Redacted] | 36775360 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-15): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-14): Please see attached evidence of eConsent |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225778230 | [Redacted] | [Redacted] | 36779000 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Note and other closing documents have an incorrect address that do not match the 1008, 1004, CDA, Flood cert, Insurance policy, purchase contract and title work. | Reviewer Comment (2026-07-13): Received one and the same address affidavit. Reviewer Comment (2026-07-09): The subject property address at the top needs to reflect the correct property address. Buyer Comment (2026-07-07): the affidavit itself comes from [redacted]and it outlines the condition and the correct address, and should not have to be signed. Kindly reevaluate and remove condition Reviewer Comment (2026-07-01): Received address affidavit, however the subject property on the document should reflect the correct address and the document needs to be signed. Buyer Comment (2026-06-29): Please review and accept this address affidavit to clear all conditions, thank you |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225778230 | [Redacted] | [Redacted] | 36779001 | Credit | System | General | System | 1003 Subject Address does not match Note address. | Note and other closing documents have an incorrect address that do not match the 1008, 1004, CDA, Flood cert, Insurance policy, purchase contract and title work. | Reviewer Comment (2026-07-13): Received one and the same address affidavit. Buyer Comment (2026-07-09): [redacted] is the correct address, hence why it is at the op of the address affidavit. Kindly remove conditions Reviewer Comment (2026-07-09): The subject property address at the top needs to reflect the correct property address. Buyer Comment (2026-07-07): [redacted] Reviewer Comment (2026-07-01): Received address affidavit, however the subject property on the document should reflect the correct address and the document needs to be signed. Buyer Comment (2026-06-29): [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225778230 | [Redacted] | [Redacted] | 36779002 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Note and other closing documents have an incorrect address that do not match the 1008, 1004, CDA, Flood cert, Insurance policy, purchase contract and title work. | Reviewer Comment (2026-07-13): Received one and the same address affidavit. Reviewer Comment (2026-07-09): The subject property address at the top needs to reflect the correct property address. Buyer Comment (2026-07-07): [redacted] Reviewer Comment (2026-07-06): The Letter must reflect the correct address where it has the subject property address. Buyer Comment (2026-07-01): Please clarify. This is a document that [redacted]is providing, who does the document need to be signed by? Reviewer Comment (2026-07-01): Received address affidavit, however the subject property on the document should reflect the correct address and the document needs to be signed. Buyer Comment (2026-06-29): [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225778249 | [Redacted] | [Redacted] | 36775612 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard insurance city name does not match the note. | Reviewer Comment (2026-06-24): Cleared. Appraisaer makes note of town name differences. Zip codes match. Buyer Comment (2026-06-22): [redacted] is located in the town of [redacted]and are interchangeable. please see doc [redacted]page [redacted]the appraiser has made this part of their supplemental report. Please rescind condition |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225778267 | [Redacted] | [Redacted] | 36775131 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount (-[redacted]) and calculated Non QM residual amount (-[redacted]) are both lower than the amount required per the guidelines ([redacted]). | Investor's calculated residual income amount (-[redacted]) and calculated Non QM residual amount (-[redacted]) are both lower than the amount required per the guidelines ([redacted]). | Reviewer Comment (2026-06-26): Income corrected as per the loan program. Exception cleared. Buyer Comment (2026-06-24): anything needed for this |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | Non QM | No | ||||||||||
| 225778267 | [Redacted] | [Redacted] | 36775133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Reviewer Comment (2026-06-26): Income corrected as per the loan program. Exception cleared. Buyer Comment (2026-06-24): See [redacted]in bank statement folder |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | Non QM | No | ||||||||||
| 225778267 | [Redacted] | [Redacted] | 36775134 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-06-26): Income corrected as per the loan program. Exception cleared. |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | Non QM | No | ||||||||||
| 225778267 | [Redacted] | [Redacted] | 36775135 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for the property address [redacted] | Reviewer Comment (2026-06-26): Received Closing Disclosure is associated as statement, exception cleared. Buyer Comment (2026-06-24): final cd |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | N/A | Non QM | No | ||||||||||
| 225778767 | [Redacted] | [Redacted] | 36775174 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-20): Sufficient Cure Provided At Closing |
06/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225778772 | [Redacted] | [Redacted] | 36775137 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide HOA verification for the property [redacted]. | Reviewer Comment (2026-07-09): Received HOA verification is verified and associated, exception cleared. Buyer Comment (2026-07-08): HOA Statement |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225778772 | [Redacted] | [Redacted] | 36775139 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage is short $[redacted]. Provide policy reflecting sufficient coverage or replacement cost estimator. | Reviewer Comment (2026-07-15): Received checklist of coverage which meet shortfall. Exception cleared. Buyer Comment (2026-07-13): [redacted]Checklist confirmation |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225778772 | [Redacted] | [Redacted] | 36775140 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Point Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-07-10): [redacted]received COC dated [redacted] and exception letter. Buyer Comment (2026-07-08): [redacted] |
07/10/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225778772 | [Redacted] | [Redacted] | 36775141 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Survey Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-07-14): [redacted]received Post CD and LOX. Buyer Comment (2026-07-13): Moved survey fee to section [redacted] as required for title insurance |
07/14/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225779197 | [Redacted] | [Redacted] | 36778855 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument has been provided but was not dated by notary. | Reviewer Comment (2026-06-25): Received Security instrument of subject property, information verified. Exception Cleared. Buyer Comment (2026-06-24): mtg with notary date |
06/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225779331 | [Redacted] | [Redacted] | 36775510 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Survey Fee was last disclosed as $[redacted]on the 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 (2026-07-07): [redacted]received [redacted], LOE and attestation Buyer Comment (2026-07-02): PCCD |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225779331 | [Redacted] | [Redacted] | 36870976 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Greater than [redacted] Year ARM Compliant | {redacted] Loan: APR on subject loan of [redacted]% is in excess of allowable threshold of [redacted] Rate [redacted]% + [redacted]%, or [redacted]%. Compliant [redacted] Loan. | Buyer Comment (2026-07-02): compliant |
07/02/2026 | No | 1 | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225779658 | [Redacted] | [Redacted] | 36775495 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Letter of explanation from borrower for decline of income is not dated. | Reviewer Comment (2026-07-16): Document date provided and verified. Exception cleared. Buyer Comment (2026-07-14): Please see attached screenshot showing the LOE was received and uploaded to our system[redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225779658 | [Redacted] | [Redacted] | 36775498 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Letter of explanation from borrower for decline of income is not dated. | Reviewer Comment (2026-07-16): Document date provided and verified. Exception cleared. Buyer Comment (2026-07-14): Please see attached screenshot showing the LOE was received and uploaded to our system [redacted] |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225779658 | [Redacted] | [Redacted] | 36775499 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to Letter of explanation from borrower for decline of income is not dated. | Reviewer Comment (2026-07-16): Document date provided and verified. Exception cleared. Buyer Comment (2026-07-14): Please see attached screenshot showing the LOE was received and uploaded to our system [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780085 | [Redacted] | [Redacted] | 36775584 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Co-Borrower's final 1003 is missing in file. | Reviewer Comment (2026-07-09): Co-Borrower's final 1003 received and verified. Exception cleared. Buyer Comment (2026-07-08): [redacted]app upld |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225780085 | [Redacted] | [Redacted] | 36775591 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-Sign consent is in pending status. | Reviewer Comment (2026-07-09): E-Sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-07-08): econsent accept upld |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780088 | [Redacted] | [Redacted] | 36776409 | 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 {redacted] ({redacted]) business days prior to closing. | Initial Loan Estimate received on [redacted] and the final Closing Disclosure was signed on [redacted] missing evidence of earlier receipt. | Reviewer Comment (2026-06-30): [redacted]received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-06-26): initial cd |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225780174 | [Redacted] | [Redacted] | 36775969 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Missing deed signed at closing transferring ownership to our borrower. | Reviewer Comment (2026-06-30): Deed signed at closing transferring ownership to our borrower, cleared Buyer Comment (2026-06-29): Please see attached |
06/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225780174 | [Redacted] | [Redacted] | 36808143 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | File is missing the HO6 policy. The master policy does not provide walls in coverage. | Reviewer Comment (2026-06-30): Per correspondence, [redacted] is not required, cleared Buyer Comment (2026-06-29): Please see attached. The Condo Policy shows betterments and improvements which shows that the property does not need additional coverage. Please clear condition. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225780198 | [Redacted] | [Redacted] | 36797844 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for non-warrantable condo due to critical repairs. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-22): Client elects to waive with compensting factors. |
06/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225780303 | [Redacted] | [Redacted] | 36778731 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | Reviewer Comment (2026-07-07): Bid tape DSCR data updated. Exception cleared. Buyer Comment (2026-07-06): please re-review bid tape Reviewer Comment (2026-06-30): Received 1008 & 1003 however UW worksheet (doc ID [redacted]) reflects [redacted][redacted]but bid tape reflect [redacted]. Exception remains. Buyer Comment (2026-06-26): 1008 & 1003 |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225780392 | [Redacted] | [Redacted] | 36776279 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] 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. | Reviewer Comment (2026-07-02): [redacted] received Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-06-30): PCCD & LOX & email |
07/02/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225780395 | [Redacted] | [Redacted] | 36779132 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 addition of Recording fee. No valid COC provided, cure provided at closing. | Reviewer Comment (2026-06-23): Cured at closing or within [redacted] days of consummation prior to [redacted] |
06/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780395 | [Redacted] | [Redacted] | 36779133 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Re-Inspection Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-07-15): [redacted] received valid COC document Buyer Comment (2026-07-14): Reinspection couldn't be ordered until the work in question is completed. [redacted]are not ordered the same day the appraisal with a subject to comes in Reviewer Comment (2026-07-09): [redacted]received COC dated[redacted], however 1004 completed subject to repairs on [redacted] and fee added on [redacted] LE which is not within [redacted] days of change. Please provide additional information why fee added on [redacted] or cure is required. Cure documents consist of [redacted], proof of mailing & copy of refund check. Buyer Comment (2026-07-07): RLE with COC , re inspection ordered |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780395 | [Redacted] | [Redacted] | 36807761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | File did not contain a valid change of circumstance for the increased fee and there was no evidence of a tolerance dure. | Reviewer Comment (2026-07-09): [redacted] received valid COC document. Buyer Comment (2026-07-07): RLE with COC , appraisal fee confirmed |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780395 | [Redacted] | [Redacted] | 36996668 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225780422 | [Redacted] | [Redacted] | 36776690 | 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 [redacted]([redacted]) 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. | E-Signed consent is dated [redacted]. | Reviewer Comment (2026-07-08): [redacted]received e-consent dated [redacted] Buyer Comment (2026-07-06): On the trailing document provided, it was completed on[redacted]. Kindly remove condition Reviewer Comment (2026-07-06): [redacted] received Loan Summary with Loan disclosure History. However, the document provided does not reflect the actual Electronic Consent Agreement Authorization by borrower and only reflects the history of a disclosure sent to borrower that was signed. No entry states "electronic consent approved/authorized. Provide actual E-consent agreement with borrower. Buyer Comment (2026-07-02): Please see attached copy of econsent to clear condition |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225780422 | [Redacted] | [Redacted] | 36776696 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Fee increased to $[redacted]to $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-28): Please see attached copy of PCCD, [redacted], [redacted]and CHECK. Has been sent to the borrower. Kindly remove conditions |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780422 | [Redacted] | [Redacted] | 36776697 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report Fee increased to $[redacted]to $[redacted]without a valid change of circumstance. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-28): Please see attached copy of PCCD, [redacted], [redacted]and CHECK. Has been sent to the borrower. Kindly remove conditions |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225780577 | [Redacted] | [Redacted] | 36775267 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | The only Loan Estimate in file is dated [redacted] which was more than [redacted]business days after the application date of[redacted]. | Reviewer Comment (2026-06-30): [redacted]received LE dated [redacted] Buyer Comment (2026-06-26): LE |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780577 | [Redacted] | [Redacted] | 36775268 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-20): Sufficient Cure Provided At Closing |
06/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225780577 | [Redacted] | [Redacted] | 36847053 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-06-30): Sufficient Cure Provided At Closing |
06/30/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225780845 | [Redacted] | [Redacted] | 36776836 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Unable to determine reason for difference. Diligence DTI is within .[redacted]% of the DTI on the 1008 in file. | Reviewer Comment (2026-07-10): Received updated [redacted] with correct DTI. Exception cleared. Buyer Comment (2026-07-08): Please see updated 1008. Bid tape will be updated. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780845 | [Redacted] | [Redacted] | 36776858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-07-10): Received updated [redacted] with correct DTI. Exception cleared. Buyer Comment (2026-07-08): [redacted] |
07/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225780845 | [Redacted] | [Redacted] | 36776859 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-07-10): Received updated [redacted]with correct DTI. Exception cleared. Buyer Comment (2026-07-08): [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225780874 | [Redacted] | [Redacted] | 36801288 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Reviewer Comment (2026-07-27): Cleared. Receved email correspondence from borrower to clarify question regarding co-signer for debt. Liablilty is included in ratios. Buyer Comment (2026-07-23): The borrower disclosed she had a co-signed loan, the loan was underwritten and approved using the co-signed loan, the co-signed loan is on the credit report and final [redacted]therefore a new [redacted] and signed LOX is not needed. The borrower's email is sufficient to clarify that there was no other debt. The fraud report and credit report confirm no other debt. Reviewer Comment (2026-07-17): Email correspondence with the borrower alone is not sufficient. An updated [redacted] or a signed Letter of Explanation (LOX) from the borrower is required. Exception Remains, Buyer Comment (2026-07-16): Please see attached correspondence with borrower. The $[redacted]cosigned loan is a Car Note. This loan is reported on the borrower's credit report and is already included in ratios. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225780874 | [Redacted] | [Redacted] | 36801514 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes. Unable to determine qualification without this information. | - | Reviewer Comment (2026-07-27): Cleared. Receved email correspondence from borrower to clarify question regarding co-signer for debt. Liablilty is included in ratios. Buyer Comment (2026-07-23): The borrower disclosed she had a co-signed loan, the loan was underwritten and approved using the co-signed loan, the co-signed loan is on the credit report and final [redacted] therefore a new [redacted]and signed LOX is not needed. The borrower's email is sufficient to clarify that there was no other debt. The fraud report and credit report confirm no other debt. Reviewer Comment (2026-07-17): Email correspondence with the borrower alone is not sufficient. An updated [redacted] or a signed Letter of Explanation (LOX) from the borrower is required. Exception Remains, Buyer Comment (2026-07-16): Please see attached correspondence with borrower where borrower states she has not opened another mortgage loan. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225780874 | [Redacted] | [Redacted] | 36802007 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | File was missing a copy of security instrument. | Reviewer Comment (2026-07-17): Loan security agreement is provided. Exception cleared. Buyer Comment (2026-07-16): Please see [redacted]for Loan Security Agreement. This is the Security Instrument used on [redacted]. |
07/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225780874 | [Redacted] | [Redacted] | 36802036 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report 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 (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225780947 | [Redacted] | [Redacted] | 36803530 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | DSCR of [redacted]is based on gross market rent, and the borrower is a first-time investor; however, a lender exception form, approval and compensating factors is not provided in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-26): exception approval |
06/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225781831 | [Redacted] | [Redacted] | 36804648 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-10): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-08): econsent and proof disclosures also mailed upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225781831 | [Redacted] | [Redacted] | 36804654 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is not provided. | Reviewer Comment (2026-07-10): Received Hazard Insurance Policy is verified and associated, exception cleared. Buyer Comment (2026-07-08): hoi upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225781855 | [Redacted] | [Redacted] | 36787110 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-10): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-08): eConsent |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Non QM | No | ||||||||||
| 225781855 | [Redacted] | [Redacted] | 36787696 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation mismatch due to QM Points and Fees [redacted]. | Reviewer Comment (2026-07-13): Redesginated loan to NonQM per lender request. |
07/13/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Non QM | Yes | |||||||||
| 225781855 | [Redacted] | [Redacted] | 36787699 | 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 are .[redacted]% over the allowable. | Reviewer Comment (2026-07-13): Redesginated loan to NonQM per lender request. Buyer Comment (2026-07-09): Please redesignate to Non QM |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Non QM | No | ||||||||||
| 225781855 | [Redacted] | [Redacted] | 36787700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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] Percent Fee Tolerance exceeded due to Recording and Survey Fee. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. | Reviewer Comment (2026-07-14): [redacted] received PCCD and LOE Buyer Comment (2026-07-13): Moved survey fee to section [redacted] as required to obtain title insurance |
07/14/2026 | 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 | B | A | A | Safe Harbor QM (APOR) | Non QM | Yes | |||||||||
| 225781855 | [Redacted] | [Redacted] | 36960781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Redesginated loan to NonQM per lender request. | Buyer Comment (2026-07-13): Ok To waive |
07/13/2026 | No | 2 | A | B | B | B | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||
| 225781859 | [Redacted] | [Redacted] | 36778995 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Borrower is not a U.S. Citizen. Source document was not provided. | Reviewer Comment (2026-07-10): Received Individual Taxpayer Identification Notice (ITIN) is verified and associated. Buyer Comment (2026-07-08): Please see attached. Reviewer Comment (2026-06-30): A copy of the borrower's Driver's license does not clear this exception Buyer Comment (2026-06-29): Please see attached. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225781859 | [Redacted] | [Redacted] | 36779025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-06-30): The E-Consent date was provided Reviewer Comment (2026-06-30): A copy of the E-Consent agreement was not included with the trailing docs provided Buyer Comment (2026-06-29): Please see attached. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225781917 | [Redacted] | [Redacted] | 36806781 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-30): Received Title Preliminary with policy amount. Exception Cleared. Buyer Comment (2026-06-29): title sup |
06/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225781968 | [Redacted] | [Redacted] | 36804787 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen document was not provided in file. | Reviewer Comment (2026-07-24): Documentation revalidated and meets ITIN/[redacted] guidelines. Exception cleared. Buyer Comment (2026-07-23): the CPA letter verifies the required ITIN, Attached is the photo ID, Bank Statements in file. LTV <[redacted]%. Reviewer Comment (2026-07-17): Require Verification of Non-US Citizen document to clear the exception as DOC ID [redacted] will not suffice the exception. Exception Remains. Buyer Comment (2026-07-15): Not required. Please review guidelines. This loan is approved on the [redacted] Expanded [redacted] guidelines. Refer to CPA Letter [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225781968 | [Redacted] | [Redacted] | 36804788 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | - | Verification of Non-US Citizen document was not provided in file. | Reviewer Comment (2026-07-24): Documentation revalidated and meets ITIN/[redacted] guidelines. Exception cleared. Buyer Comment (2026-07-23): the CPA letter verifies the required ITIN, Attached is the photo ID, Bank Statements in file. LTV <[redacted]%. Reviewer Comment (2026-07-17): Require Verification of Non-US Citizen document to clear the exception as DOC ID [redacted] will not suffice the exception. Exception Remains. Buyer Comment (2026-07-15): Not required. Please review guidelines. This loan is approved on the [redacted] Expanded ITIN/DACA guidelines. Refer to CPA Letter D[redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225781968 | [Redacted] | [Redacted] | 36804789 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Verification of Non-US Citizen document was not provided in file. | Reviewer Comment (2026-07-24): Documentation revalidated and meets ITIN/[redacted] guidelines. Exception cleared. Buyer Comment (2026-07-23): the CPA letter verifies the required ITIN, Attached is the photo ID, Bank Statements in file. LTV <[redacted]%. Reviewer Comment (2026-07-17): Require Verification of Non-US Citizen document to clear the exception as DOC ID [redacted] will not suffice the exception. Exception Remains. Buyer Comment (2026-07-15): Not required. Please review guidelines. This loan is approved on the [redacted] Expanded[redacted] guidelines. Refer to CPA Letter [redacted] |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225783931 | [Redacted] | [Redacted] | 36804901 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal 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. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225783931 | [Redacted] | [Redacted] | 36809432 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-06-30): A copy of the lease agreement and verification of [redacted] payments to the landlord was provided Buyer Comment (2026-06-29): lease and bank statements |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225784243 | [Redacted] | [Redacted] | 36805177 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Complete fraud report is missing. | Reviewer Comment (2026-06-29): Complete fraud report, cleared Buyer Comment (2026-06-29): fraud report |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225784246 | [Redacted] | [Redacted] | 36808567 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-07-07): Articles of organization provided. Exception cleared. Buyer Comment (2026-07-06): Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225784246 | [Redacted] | [Redacted] | 36808568 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-07-07): Certificate of good standing provided. Exception cleared. Buyer Comment (2026-07-06): Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225784246 | [Redacted] | [Redacted] | 36808569 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-07-07): Operating agreement provided. Exception cleared. Buyer Comment (2026-07-06): Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225784249 | [Redacted] | [Redacted] | 36808379 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-07-13): Received the UCDP Submission Summary Report with a CU Score of [redacted]. Based on the score, a [redacted] valuation is not required. Exception cleared. Buyer Comment (2026-07-09): Not required as [redacted]score is [redacted] or below |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225784249 | [Redacted] | [Redacted] | 36808396 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-13): Received E-sign consent agreement. Exception cleared. Buyer Comment (2026-07-09): eConsent |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225784249 | [Redacted] | [Redacted] | 36808398 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy was not provided. | Reviewer Comment (2026-07-13): Received Hazard Insurance policy. Exception cleared. Buyer Comment (2026-07-09): Hazard |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | B | C | B | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225784249 | [Redacted] | [Redacted] | 36808427 | 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 {redacted] ({redacted]) business days from transaction date of[redacted] | The subject loan transaction disbursed on [redacted], prior to {redacted] ({redacted]) business days from the transaction date of[redacted] | Reviewer Comment (2026-07-13): Received the Post-Closing Disclosure reflecting the updated disbursement date of [redacted]. Exception cleared. Buyer Comment (2026-07-09): Disbursed [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | C | B | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225784249 | [Redacted] | [Redacted] | 36810148 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates that a lender exception was approved however the exception approval documentation is not located in the file. UPDATE: Lender exception approved for a P&L only product for an ITIN borrower. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly mortgage payment has decreased by at least [redacted]%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to waive with compensating factors. Buyer Comment (2026-07-09): exception |
07/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | D | B | C | B | C | A | D | A | Non QM | Non QM | No | ||||||||
| 225784253 | [Redacted] | [Redacted] | 36808552 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report document is not provided. | Reviewer Comment (2026-07-09): Credit report received. Buyer Comment (2026-07-08): credit report |
07/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225784253 | [Redacted] | [Redacted] | 36808562 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Credit Report document is not provided. | Reviewer Comment (2026-07-09): Credit report received. Buyer Comment (2026-07-08): see uploaded |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225784253 | [Redacted] | [Redacted] | 36808563 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Credit Report document is not provided. | Reviewer Comment (2026-07-09): Credit report received. Buyer Comment (2026-07-08): see uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225784256 | [Redacted] | [Redacted] | 36808316 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC or lender cure was provided for the increase in {redacted] Tolerance Fees. | Reviewer Comment (2026-07-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-09): please cancel, this was cured at closing on final cd. |
07/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225784256 | [Redacted] | [Redacted] | 36808317 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid COC or lender cure was provided for the increase in {redacted] Tolerance Fees. | Reviewer Comment (2026-07-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-09): please cancel, this wasd cured at cloaing on final cd. |
07/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225784256 | [Redacted] | [Redacted] | 36808318 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid COC or lender cure was provided for the increase in {redacted] Tolerance Fees. | Reviewer Comment (2026-07-10): [redacted] received email confirmation fee is title required. Buyer Comment (2026-07-09): attny email confirming they required survey upld |
07/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225784256 | [Redacted] | [Redacted] | 36935227 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225784256 | [Redacted] | [Redacted] | 36935228 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225806610 | [Redacted] | [Redacted] | 36809130 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]with no valid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225806702 | [Redacted] | [Redacted] | 36809435 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance or lender cure was provided for the increase in [redacted]% Tolerance Fees. | Reviewer Comment (2026-07-16): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-15): pccd docs upld |
07/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225806702 | [Redacted] | [Redacted] | 36813257 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing documentation of the [redacted] loan obtained and used for funds to close. | Reviewer Comment (2026-07-10): [redacted] closing disclosure received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-09): bridge cd upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225806702 | [Redacted] | [Redacted] | 36813262 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to the missing [redacted] loan documentation. | Reviewer Comment (2026-07-10): [redacted] closing disclosure received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-09): bridge cd upld to trl docs |
07/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225806702 | [Redacted] | [Redacted] | 36813263 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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 [redacted] loan documentation. | Reviewer Comment (2026-07-10): [redacted] closing disclosure received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-09): bridge cd upld to trl docs |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225806702 | [Redacted] | [Redacted] | 36813266 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing documentation of the [redacted] loan obtained and used for funds to close. | Reviewer Comment (2026-07-10): [redacted] closing disclosure received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-09): bridge cd upld to trl docs |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225806702 | [Redacted] | [Redacted] | 36813275 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall finding due to the missing [redacted] loan documentation. | Reviewer Comment (2026-07-10): [redacted] closing disclosure received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-09): bridge cd upld to trl docs |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225806808 | [Redacted] | [Redacted] | 36809323 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | Lease agreement and market rent value document is not available. | Reviewer Comment (2026-07-08): Comparable Rent Schedule provided in file, Exception Cleared. Buyer Comment (2026-07-07): 1007 - ROV |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||
| 225806808 | [Redacted] | [Redacted] | 36809336 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Appraisal document is not available in the file. | Reviewer Comment (2026-07-08): 1004/Appraisal report provided in file, Exception Cleared. Buyer Comment (2026-07-07): duplicate condition, 1004 uploaded |
07/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225806808 | [Redacted] | [Redacted] | 36809353 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal is not provided in the file. | Reviewer Comment (2026-07-08): 1004/Appraisal report provided in file, Exception Cleared. Buyer Comment (2026-07-07): Please review uploaded 1004, update DSCR to [redacted] and [redacted] Buyer Comment (2026-07-07): 1004 Buyer Comment (2026-07-07): 1004 - ROV |
07/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225809131 | [Redacted] | [Redacted] | 36810415 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | The file is missing documentation evidencing that the judgment listed in Schedule C, Item #[redacted], has been paid in full. | Reviewer Comment (2026-07-20): Document provided [redacted] Buyer Comment (2026-07-16): Please see attached correspondence from title supporting the lien on the seller was paid at closing. Judgement was originally with [redacted] and assigned to [redacted], Original Amount $[redacted] but agreed to resolve judgement for $[redacted]. The Final HUD shows the amount of $[redacted] was paid at close on line [redacted]. Buyer Comment (2026-07-16): Please see attached correspondence from title supporting the lien on the seller was paid at closing. Judgement was originally with [redacted] and assigned to [redacted], Original Amount $[redacted] but agreed to resolve judgement for $[redacted]. The Final HUD shows the amount of $[redacted] was paid at close on line[redacted]. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225809131 | [Redacted] | [Redacted] | 36810421 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | It appears there was an exception issued for this loan. The lender exception form, approval, and compensating factor were not located in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-16): Lender Exception with Comp factors. Accepting rental tradeline that is on the credit report as guides require [redacted] trades and borrower has 2. Landlord waiver history, borrower recently purchased [redacted] and is short term and no lease. Buyer Comment (2026-07-14): Please see attached Exception |
07/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225809684 | [Redacted] | [Redacted] | 36809429 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The provided VVOE is dated [redacted]. Note date is shown as [redacted]. More than [redacted] business days from the Note date | Reviewer Comment (2026-07-14): Post-closing VVOE has been provided and is acceptable per guidelines. Exception cleared. Buyer Comment (2026-07-13): post close voe upld |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225809684 | [Redacted] | [Redacted] | 36809608 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing document was not provided. | Reviewer Comment (2026-07-10): Business entity listing document available in file. Exception cleared. Buyer Comment (2026-07-08): please clear, the good standing cert is on [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225811553 | [Redacted] | [Redacted] | 36810585 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a VVOE for the borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-07-09): Received VVOE verifying employment for Borrower. Exception cleared Buyer Comment (2026-07-07): vvoes |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225811553 | [Redacted] | [Redacted] | 36810587 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a VVOE for the co-borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-07-09): Received VVOE dated within [redacted] business days of the Note for co-borrower. Exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225811553 | [Redacted] | [Redacted] | 36810610 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | File is missing a VVOE for the borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-07-09): Received VVOE dated within [redacted] business days of the Note for borrower. Exception cleared. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225811553 | [Redacted] | [Redacted] | 36810611 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | File is missing a VVOE for the co-borrower dated within [redacted] business days of the Note. | Reviewer Comment (2026-07-09): Received VVOE dated within [redacted] business days of the Note for co-borrower. Exception cleared |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225811553 | [Redacted] | [Redacted] | 36815744 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for both borrowers dated within [redacted] business days of the Note. | Reviewer Comment (2026-07-09): Received VVOE dated within [redacted] business days of the Note for both borrowers. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225811756 | [Redacted] | [Redacted] | 36810593 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification not provided for property located at [redacted]. | Reviewer Comment (2026-07-01): HOA calculated by [redacted]% of property estimate value/[redacted] as per guidelines, Property estimate report provided. Exception cleared. Buyer Comment (2026-06-30): See attached |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225811756 | [Redacted] | [Redacted] | 36810983 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit report fee amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225811763 | [Redacted] | [Redacted] | 36813382 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Please provide approved unexpired VISA valid as of the note date from Homeland Security. Additional requirements may apply. Holders of an Employment Authorization document with code [redacted] are eligible under the guideline. | Reviewer Comment (2026-07-10): Individual Taxpayer Identification (ITIN) and valid driving license are already provided in file. Exception cleared. Buyer Comment (2026-07-08): Please see attached. Reviewer Comment (2026-07-01): Received Patriot Act Customer Identification. Please provide [redacted]/ Employment Authorization document with code [redacted]. Exception remains Buyer Comment (2026-06-29): Please see attached. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225811763 | [Redacted] | [Redacted] | 36813520 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN due to name/SSN mismatch. Please provide updated ADV report with valid search report for guarantor. | Reviewer Comment (2026-07-20): Received Fraud report and SSN alert cleared. Exception cleared. Buyer Comment (2026-07-16): Please see attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225813133 | [Redacted] | [Redacted] | 36817082 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A letter of explanation stating an intent to list the property for sale, listing agreement for properties. | Reviewer Comment (2026-07-23): Received listing agreement. Exception cleared. Buyer Comment (2026-07-21): Please see attached. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225813135 | [Redacted] | [Redacted] | 36811598 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-10): Received E-Consent date document, Exception Cleared. Buyer Comment (2026-07-08): econsent and proof disclosures also sent regular mail upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225813135 | [Redacted] | [Redacted] | 36811612 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted]. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-10): Received Final title policy document with valid policy amount, information validated. Exception Cleared. Buyer Comment (2026-07-09): final policy upld |
07/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225813135 | [Redacted] | [Redacted] | 36811616 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not found in file. | Reviewer Comment (2026-07-10): Received Final title policy document with valid policy amount, information validated. Exception Cleared. |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225814101 | [Redacted] | [Redacted] | 36814240 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Exception for Max [redacted]% LTV/CLTV noted on 1008, however, the exception document is missing from the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to waive with compensating factors. Reviewer Comment (2026-07-13): Lender exception approval approval provided for max [redacted] LTV/CLTV with credis below [redacted] would like exception to go to [redacted]% LTV/CLTV. Buyer Comment (2026-07-09): exception aprvl upld |
07/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 225814101 | [Redacted] | [Redacted] | 36960827 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for Private VOR. Borrower is renting from family member. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to waive with compensating factors. |
07/13/2026 | Yes | 2 | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225814101 | [Redacted] | [Redacted] | 36960850 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for [redacted] months bank statements required, borrower [redacted] banks a couple of times and can't locate the [redacted] bank statement for [redacted]. The borrower no longer has access to the online bank ing account for [redacted] and is therefore unable to retrieve the requested statement for [redacted]. The borrower contacted [redacted] directly and was advised that a copy of the statement can be mailied to him however the bank indicated tha the process may take up to [redacted] days. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to waive with compensating factors. |
07/13/2026 | Yes | 2 | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225814106 | [Redacted] | [Redacted] | 36818176 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA/Third Party Letter missing in file for [redacted]. | Reviewer Comment (2026-07-10): Received Business narrative completed by CPA with all required details, Exception Cleared Buyer Comment (2026-07-09): CPA letter |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225814106 | [Redacted] | [Redacted] | 36818187 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation mismatch due to CPA/Third Party Letter missing in file for [redacted]. | Reviewer Comment (2026-07-10): Received Business narrative completed by CPA with all required details, Exception Cleared |
07/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MT | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225814106 | [Redacted] | [Redacted] | 36818188 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | CPA/Third Party Letter missing in file for [redacted]. | Reviewer Comment (2026-07-10): Received Business narrative completed by CPA with all required details, Exception Cleared |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225814106 | [Redacted] | [Redacted] | 36818189 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | CPA/Third Party Letter missing in file for [redacted]. | Reviewer Comment (2026-07-10): Received Business narrative completed by CPA with all required details, Exception Cleared |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225814106 | [Redacted] | [Redacted] | 36818191 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | CPA/Third Party Letter missing in file for [redacted]. | Reviewer Comment (2026-07-10): Received Business narrative completed by CPA with all required details, Exception Cleared |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225814106 | [Redacted] | [Redacted] | 36818193 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225814106 | [Redacted] | [Redacted] | 36818194 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225814597 | [Redacted] | [Redacted] | 36818014 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 increased from [redacted] to [redacted] on Closing Disclosure issued on [redacted] with no valid changed circumstance. | Reviewer Comment (2026-07-07): [redacted] received valid COC document Buyer Comment (2026-07-06): borrower requested the discount points to decrease the rate |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225814597 | [Redacted] | [Redacted] | 36818015 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | The Credit Report Fee increased from [redacted] to [redacted] on Closing Disclosure issued on [redacted] with no valid changed circumstance. | Reviewer Comment (2026-07-10): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-09): PCCD |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225814608 | [Redacted] | [Redacted] | 36818447 | 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] vs. an allowable total of [redacted] | Reviewer Comment (2026-07-07): Undiscounted Price received and allows exclusion of loan discounts. Buyer Comment (2026-07-02): LOE Reviewer Comment (2026-07-01): Issue was escalated. Response: File does contain the undiscounted interest rate, however the cost/price associated with the undiscounted interest rate was not provided. Please provide the initial cost of the undiscounted interest rate. Reviewer Comment (2026-07-01): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-06-29): The Bona fide points of $[redacted] were not backed out from the calculation for high cost please see doc [redacted] page [redacted] section on High cost threshold test from the compliance report. Please rescind condition. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225815065 | [Redacted] | [Redacted] | 36811215 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Loan considered non-compliant due to missing evidence of appraisal being provided to the borrowers at least [redacted] business days prior to closing. | Reviewer Comment (2026-06-30): Proof of appraisal delivery provided Buyer Comment (2026-06-29): [redacted]. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225815065 | [Redacted] | [Redacted] | 36811217 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Appraisal dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-06-30): Proof of appraisal delivery provided Buyer Comment (2026-06-29): Please review the attached documents that show that both the appraisal and the CDA were sent to the borrower. Please clear condition. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225826755 | [Redacted] | [Redacted] | 36892244 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-07-17): Received the updated DSCR and tax worksheets. Verified and updated the details. The DSCR matches with the tape data. Exception Cleared. Buyer Comment (2026-07-16): Please review corrected DSCR Calc, clear finding and update [redacted] to reflect [redacted] Buyer Comment (2026-07-16): DSCR Calc - [redacted] Reviewer Comment (2026-07-08): The provided tax certificate reflects annual real estate taxes of $[redacted]. Using the tax certificate amount, the loan calculates to a DSCR of [redacted]. However, per the underwriting worksheet, total taxes and insurance are $[redacted] per month, resulting in a DSCR of [redacted]. Exception remains. Buyer Comment (2026-07-07): Hello, please see the DSCR rebuttal. Thank you! |
07/17/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225830100 | [Redacted] | [Redacted] | 36819347 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final Closing Statement was not signed. | Reviewer Comment (2026-07-01): Received Final Closing Statement. Exception Cleared. Buyer Comment (2026-06-29): HUD signed |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225830103 | [Redacted] | [Redacted] | 36825399 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Per guideline, FTHB may go up to First Time Home Buyer may go up to [redacted] LTV/CLTV on investment however the calculated LTV/CLTV is [redacted]. Lender approved exception for LTV of [redacted] vs [redacted] |
Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-08): Client elects to waive with compensating factors. Buyer Comment (2026-07-06): Please see attache credit exception that was approved by our team allowing for the [redacted]% LTV. Please clear condition. |
07/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225830103 | [Redacted] | [Redacted] | 36825400 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Per guideline, FTHB may go up to First Time Home Buyer may go up to [redacted] LTV/CLTV on investment however the calculated LTV/CLTV is [redacted]. | Reviewer Comment (2026-07-08): Duplicate exception. Buyer Comment (2026-07-06): [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225830107 | [Redacted] | [Redacted] | 36819748 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] 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 (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830107 | [Redacted] | [Redacted] | 36819749 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] 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 (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830221 | [Redacted] | [Redacted] | 36819153 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. | Reviewer Comment (2026-07-09): Client elects to waive. Buyer Comment (2026-07-07): The tax returns for [redacted] have an extension. Please waive condition. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225830221 | [Redacted] | [Redacted] | 36819154 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. | Reviewer Comment (2026-07-09): Client elects to waive. Buyer Comment (2026-07-07): The tax returns for [redacted] have an extension. Please waive condition. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225830221 | [Redacted] | [Redacted] | 36824322 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for the original promissory note dated [redacted] and a maturity date of [redacted] while the payoff will be post maturity date on [redacted]. Unable to waive and downgrade missing lender exception with Comp factors |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Reserves: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-09): Client elects to waive with compensating factors. Buyer Comment (2026-07-07): Please see exception. |
07/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||
| 225830231 | [Redacted] | [Redacted] | 36819561 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225830232 | [Redacted] | [Redacted] | 36819599 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal Fee Amount of [redacted] exceeds tolerance of [redacted]. No valid change of circumstances provided. | Reviewer Comment (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225830500 | [Redacted] | [Redacted] | 36819692 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-10): Received hazard insurance policy and associated, Exception Cleared Buyer Comment (2026-07-09): hoi/rce upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225830500 | [Redacted] | [Redacted] | 36819697 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-10): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-07-09): econsent accept upld |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225830500 | [Redacted] | [Redacted] | 36819699 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Income was calculated using Method [redacted]: CPA letter for expense ratio - [redacted] expense ratio, but the provided CPA letter did not mention any expense ratio. | Reviewer Comment (2026-07-13): Updated worksheet received with using method [redacted]. Exception cleared Buyer Comment (2026-07-10): rebuttal with revised uw income worksheet, 1003 & 1008 upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830500 | [Redacted] | [Redacted] | 36819701 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Income was calculated using Method [redacted]: CPA letter for expense ratio - [redacted] expense ratio, but the provided CPA letter did not mention any expense ratio. | Reviewer Comment (2026-07-23): Received revised CPA letter. Exception cleared. Buyer Comment (2026-07-21): revised cpa letter with [redacted]% expense ratio upld Reviewer Comment (2026-07-13): CPA Letter verified the [redacted]% ownership of business whereas updated Underwriting worksheet shows as [redacted]%, Due to this DTI hits more than [redacted] % tolerance. Exception remains. Buyer Comment (2026-07-10): rebuttal with revised uw income worksheet, 1003 & 1008 upld to trl docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225830500 | [Redacted] | [Redacted] | 36819714 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing CPA letter with expense ratio. | Reviewer Comment (2026-07-30): Bid Tape data has been updated. Exception Cleared. Buyer Comment (2026-07-28): please clear, bid tape has been updated. Reviewer Comment (2026-07-23): Received CPA letter with expense factor, however exception remains due to DTI discrepancy with bid tape. Buyer Comment (2026-07-21): revised cpa letter with [redacted]% expense ratio upld to trl docs Reviewer Comment (2026-07-13): CPA Letter verified the [redacted]% ownership of business whereas updated Underwriting worksheet shows as [redacted]%, Due to this DTI hits more than [redacted] % tolerance. Exception remains. Buyer Comment (2026-07-10): rebuttal with revised uw income worksheet, 1003 & 1008 upld to trl docs |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830500 | [Redacted] | [Redacted] | 36819716 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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 due to missing CPA letter with expense ratio. | Reviewer Comment (2026-07-23): Received revised CPA letter. Exception cleared. Buyer Comment (2026-07-21): revised cpa letter with [redacted]% expense ratio upld to trl docs Reviewer Comment (2026-07-13): CPA Letter verified the [redacted]% ownership of business whereas updated Underwriting worksheet shows as [redacted]%, Due to this DTI hits more than [redacted]% tolerance. Exception remains. Buyer Comment (2026-07-10): rebuttal with revised uw income worksheet, 1003 & 1008 upld to trl docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830500 | [Redacted] | [Redacted] | 36819717 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest inspection fee of [redacted] was added without any changed circumstances; no cure was provided. | Reviewer Comment (2026-07-14): Cured in error. Reviewer Comment (2026-07-14): [redacted] Received Corrected PCCD and LOE. Buyer Comment (2026-07-13): pccd docs upld |
07/14/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225830500 | [Redacted] | [Redacted] | 36819720 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to missing CPA letter with expense ratio. | Reviewer Comment (2026-07-30): Bid Tape data has been updated. Exception Cleared. Buyer Comment (2026-07-28): please clear, bid tape has been updated. Reviewer Comment (2026-07-23): Received CPA letter with expense factor, however exception remains due to DTI discrepancy with bid tape. Buyer Comment (2026-07-21): revised cpa letter with [redacted]% expense ratio upld to trl docs Reviewer Comment (2026-07-13): CPA Letter verified the [redacted]% ownership of business whereas updated Underwriting worksheet shows as [redacted]%, Due to this DTI hits more than [redacted] % tolerance. Exception remains. Buyer Comment (2026-07-10): rebuttal with revised uw income worksheet, 1003 & 1008 upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830500 | [Redacted] | [Redacted] | 36819721 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | [redacted] Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a writ{redacted] agreement to the borrower. | [redacted] Mortgage Lender and Broker Act Notice was not found in file. | Reviewer Comment (2026-07-13): Disclosure received and verified. Exception cleared Buyer Comment (2026-07-09): disclosure upld |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225830500 | [Redacted] | [Redacted] | 36958966 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-07-30): Bid Tape data has been updated. Exception Cleared. Buyer Comment (2026-07-28): please clear, bid tape has been updated. Reviewer Comment (2026-07-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Reviewer Comment (2026-07-23): Received 1008 with corrected DTI [redacted]%. Bid tape need to be updated to clear this condition. Exception remains. Buyer Comment (2026-07-21): revised cpa letter with [redacted]% expense ratio upld to trl docs |
07/30/2026 | No | 1 | A | A | A | A | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| 225830655 | [Redacted] | [Redacted] | 36829245 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ME | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225830655 | [Redacted] | [Redacted] | 36833656 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted] housing history is not located in the file. | Reviewer Comment (2026-07-08): Received letter. Condition cleared. Buyer Comment (2026-07-06): Please provide the guidelines this references a third party Reviewer Comment (2026-07-02): Please provide a rent free letter prepared and signed by a third-party property owner, landlord, or family member with whom the borrower is living rent-free. Buyer Comment (2026-07-01): rent free letter |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 225830664 | [Redacted] | [Redacted] | 36828616 | 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]). | 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 (2026-07-02): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-07-01): please see attached lox, pccd & check |
07/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225830664 | [Redacted] | [Redacted] | 36833736 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for non warrantable condo due to critical repairs on balconies. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-26): Client elects to waive with compensating factors. |
06/26/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225830941 | [Redacted] | [Redacted] | 36829273 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-13): Final title policy with sufficient coverage, cleared |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225830941 | [Redacted] | [Redacted] | 36829331 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease agreement not provided. As shown on the appraisal, the property is tenant occupied and the monthly rent is [redacted]. Per lender guides, the lower of the [redacted] are to be used for the DSCR calculation. | Reviewer Comment (2026-07-17): Revalidated rental income information from the [redacted] document. Lease agreement requirement satisfied per documentation. Exception cleared. Buyer Comment (2026-07-16): the [redacted] is on [redacted] Reviewer Comment (2026-07-13): Lease agreement required Buyer Comment (2026-07-10): rebuttal upld |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225830941 | [Redacted] | [Redacted] | 36829378 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary title report in the file disclosed [redacted] of title insurance coverage; however, this is less than the loan amount of [redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-13): Final title policy with sufficient coverage, cleared Buyer Comment (2026-07-13): final policy with correct insured amount upld. |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225831151 | [Redacted] | [Redacted] | 36832410 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | - | Appraisers license expired on [redacted], and the [redacted] date on the appraisal is [redacted]. | Reviewer Comment (2026-07-10): Revised appraisal received and verified. Exception cleared Buyer Comment (2026-07-08): revised appraisal |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | D | A | D | A | A | A | C | A | N/A | N/A | No | ||||||||||
| 225831151 | [Redacted] | [Redacted] | 36832534 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security instrument was provided but not dated by the notary. | Reviewer Comment (2026-07-06): Security Instrument received and associated. Exception cleared Buyer Comment (2026-07-02): mortgage with date |
07/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | D | A | A | A | C | A | N/A | N/A | No | |||||||||||
| 225831167 | [Redacted] | [Redacted] | 36829787 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Verification of rent from private landlord was provided. As per guidelines - If an applicant rents from a private landlord, the most recent [redacted] months' consecutive cancelled checks (front and back) or housing payments from [redacted], bank statements, or equivalent proof of payment from third party records, along with a copy of the lease must be provided. Missing both proof of payment and lease agreement. Bank statements show multiple check withdrawal of [redacted], but unable to verify if it was paid for rent due to missing cancelled checks. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Client elects to waive with compensating factors. Reviewer Comment (2026-07-15): Lender exception provided for private VOR. Buyer Comment (2026-07-13): Exception |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225831167 | [Redacted] | [Redacted] | 36829788 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard insurance reflects city name as [redacted] instead of [redacted] as per note. | Reviewer Comment (2026-07-17): Provided correct hazard insurance document. Exception cleared. Buyer Comment (2026-07-16): Updated hazard |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225831167 | [Redacted] | [Redacted] | 36829798 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225831648 | [Redacted] | [Redacted] | 36828899 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-02): Title final document received, Value updated and associated. Exception cleared. |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225831648 | [Redacted] | [Redacted] | 36832709 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-07-02): Title final document received, Value updated and associated. Exception cleared. Buyer Comment (2026-07-01): title sup |
07/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225832689 | [Redacted] | [Redacted] | 36830150 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225832689 | [Redacted] | [Redacted] | 36830156 | 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]). | The Finance Charges disclosed on Final Closing Disclosure as [redacted]. The calculated Finance Charge is [redacted], for an over-disclosed amount of [redacted]. Variance is due to Title - Tax Certificate Fee of [redacted] not being disclosed until the final Closing Disclosure. | Reviewer Comment (2026-07-08): [redacted] received LOE. Buyer Comment (2026-07-07): Email from title Reviewer Comment (2026-07-01): While we acknowledge that a [redacted] front tax determination used in the decisions to extend credit would be excluded from finance charge under [redacted], 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 [redacted] which provides: For example, a fee for [redacted] 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 [redacted] time upfront at closing fee for determination. Buyer Comment (2026-06-29): The tax cert fee is not an APR fee. please remove from your calculations. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225832690 | [Redacted] | [Redacted] | 36830338 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Service Charges. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225832733 | [Redacted] | [Redacted] | 36830531 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of employment is not within [redacted] days of the Note. | Reviewer Comment (2026-07-20): Received VVOR within[redacted] business days of Note. Exception cleared. Buyer Comment (2026-07-16): Please see attached. The VVOE was done less than [redacted] days prior to closing. Please clear condition. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225832733 | [Redacted] | [Redacted] | 36830532 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment is not within [redacted] days of the Note. | Reviewer Comment (2026-07-20): Received VVOR within [redacted] business days of Note. Exception cleared. Buyer Comment (2026-07-16): [redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225832733 | [Redacted] | [Redacted] | 36839298 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] calendar days of the Note. | - | Reviewer Comment (2026-07-20): Received VVOR within [redacted] business days of Note. Exception cleared. Buyer Comment (2026-07-16): [redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225832905 | [Redacted] | [Redacted] | 36830946 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-07-15): Hazard Insurance Policy received and verified. Exception cleared Buyer Comment (2026-07-13): Hazard |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225832905 | [Redacted] | [Redacted] | 36830985 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-15): E-sign Consent Agreement received and verified. Exception cleared Buyer Comment (2026-07-13): eConsent |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225832905 | [Redacted] | [Redacted] | 36831033 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee of [redacted] has been included in the Final Closing Disclosure [redacted] without any cure document. | Reviewer Comment (2026-07-20): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-07-17): PCCD with letter Reviewer Comment (2026-07-14): [redacted] Received rebuttal comment stating pest inspection is third party fee. In order to clear this exception, provide corrected PCCD and LOE moving fee to section [redacted]. Buyer Comment (2026-07-13): please remove pest inspection fee from your [redacted] tolerance calculations as it is a third party non apr fee |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225832923 | [Redacted] | [Redacted] | 36834907 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final 1003 indicates that the borrower will occupy the subject property as primary residence in the Declarations section of the 1003. | Reviewer Comment (2026-07-22): Updated 1003 indicating the borrower will not occupy the subject as their [redacted] , cleared Buyer Comment (2026-07-22): Please see updated 1003. Corrected Declarations Section to match Occupancy Cert.([redacted]) |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225832923 | [Redacted] | [Redacted] | 36834921 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | - | First Time Home Buyer may go up to [redacted] LTV/CLTV on investment. | Reviewer Comment (2026-07-22): First Time Home Buyer eligible up to [redacted] LTV/CLTV for an [redacted] , cleared Buyer Comment (2026-07-22): : Unclear on this condition. LTV is <[redacted]% therefore borrower should be eligible. Please clear or clarify. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225833119 | [Redacted] | [Redacted] | 36831023 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report Fee was disclosed on initial Loan Estimate as [redacted] but disclosed on final Closing Disclosure [redacted]. File does not contain a valid Change of Circumstance for this fee, nor was evidence of cure provided in the file. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225833151 | [Redacted] | [Redacted] | 36833365 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-29): Received Title final & associated. Exception cleared. |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225833151 | [Redacted] | [Redacted] | 36833397 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] or [redacted]. [redacted] over legal limit, with no valid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-07-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-27): Please see attached Cover Letter, PCCD, Cure Check and proof [redacted] delivered. |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225833151 | [Redacted] | [Redacted] | 36834785 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-29): Received Title final & coverage amount updated. Exception cleared. Buyer Comment (2026-07-27): Please see final title policy showing policy amount of $[redacted] |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225833385 | [Redacted] | [Redacted] | 36831384 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal fee amount of[redacted] exceeds tolerance of [redacted] . Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225833385 | [Redacted] | [Redacted] | 36831389 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit report fee amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225833432 | [Redacted] | [Redacted] | 36834421 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-15): E-sign Consent Agreement received and verified. Exception cleared Buyer Comment (2026-07-13): eConsent |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225833689 | [Redacted] | [Redacted] | 36831461 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance shortfall by [redacted] | Reviewer Comment (2026-07-28): Cleared. corrected extended coverage amount per policy. Buyer Comment (2026-07-24): Per Insurance provider RCE no longer required (please see attached [redacted] Lender Letter) Extended coverage on policy meets insurance requirement. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225833689 | [Redacted] | [Redacted] | 36831502 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Final Closing Disclosure for [redacted] loan is missing in file. | Reviewer Comment (2026-07-28): Received Closing Disclosure is verified and associated, exception cleared. Buyer Comment (2026-07-24): Please see attached Bridge Loan CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225833689 | [Redacted] | [Redacted] | 36831538 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM Disclosure dated [redacted] was not provided to the borrower within [redacted] days of application [redacted]. | Reviewer Comment (2026-07-28): Received ARM Disclosure is verified and associated, exception cleared. Buyer Comment (2026-07-24): Please see the attached print screen showing the ARM Disclosure was sent to the borrower on [redacted]/[redacted], [redacted] viewed and singed by the borrower on [redacted]/[redacted]. Application date [redacted]/[redacted] therefore [redacted]/[redacted]is within [redacted] days. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225833689 | [Redacted] | [Redacted] | 36831566 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225833689 | [Redacted] | [Redacted] | 36831583 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Final Closing Disclosure for [redacted] loan is missing in file. | Reviewer Comment (2026-07-28): Received Closing Disclosure is verified and associated, exception cleared. Buyer Comment (2026-07-24): Please see attached [redacted] CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225833689 | [Redacted] | [Redacted] | 36831587 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Final Closing Disclosure for [redacted] loan is missing in file. | Reviewer Comment (2026-07-28): Received Closing Disclosure is verified and associated, exception cleared. Buyer Comment (2026-07-24): Please see attached [redacted] CD |
07/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225833689 | [Redacted] | [Redacted] | 36831588 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to Final Closing Disclosure for [redacted] loan is missing in file. | Reviewer Comment (2026-07-28): Received Closing Disclosure is verified and associated, exception cleared. Buyer Comment (2026-07-24): Please see attached [redacted] CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225833689 | [Redacted] | [Redacted] | 36831589 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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 due to Final Closing Disclosure for [redacted] loan is missing in file. | Reviewer Comment (2026-07-28): Received Closing Disclosure is verified and associated, exception cleared. Buyer Comment (2026-07-24): Please see attached [redacted] CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225837793 | [Redacted] | [Redacted] | 36831498 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225837804 | [Redacted] | [Redacted] | 36833994 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee Tolerance was 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 (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225837804 | [Redacted] | [Redacted] | 36833995 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee Tolerance was 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 (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838347 | [Redacted] | [Redacted] | 36834845 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [redacted] | Reviewer Comment (2026-07-06): Field review value updated as #[redacted] shows value accurate. Exception cleared Buyer Comment (2026-07-01): Please see attached copy of field review to remove condition |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | |||||||||||||||
| 225838347 | [Redacted] | [Redacted] | 36834851 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation for the borrowing entity not provided. | Reviewer Comment (2026-07-02): Articles of Organization/Formation for the borrowing entity is available in file. Verified and updated details. Exception Cleared. Buyer Comment (2026-07-01): Please see attached business documents to clear condition |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | ||||||||||||||
| 225838347 | [Redacted] | [Redacted] | 36881312 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Buyer Comment (2026-07-06): waived per [redacted] |
07/06/2026 | No | 2 | A | A | A | A | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | |||||||||||||||||||
| 225838393 | [Redacted] | [Redacted] | 36831053 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
DTI discrepancy is due to qualifying rate. Per 1008, PITIA is [redacted] and calculated and final 1003 is [redacted] | Reviewer Comment (2026-07-14): Revised 1003 & 1008 received with DTI of [redacted] % Exception cleared. Buyer Comment (2026-07-13): revised 1008/1003 upld |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838393 | [Redacted] | [Redacted] | 36831229 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy is due to PITIA mismatched. Per 1008, PITIA is [redacted] and calculated and final 1003 is [redacted]. | Reviewer Comment (2026-07-14): Revised 1003 & 1008 received with DTI of [redacted] % Exception cleared. Buyer Comment (2026-07-13): revised 1008/1003 upld to trl docs |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838393 | [Redacted] | [Redacted] | 36831230 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy is due to PITIA mismatched. Per 1008, PITIA is [redacted] and calculated and final 1003 is [redacted]. | Reviewer Comment (2026-07-14): Revised 1003 & 1008 received with DTI of [redacted] % Exception cleared. Buyer Comment (2026-07-13): revised 1008/1003 upld to trl docs |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838432 | [Redacted] | [Redacted] | 36841760 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225838435 | [Redacted] | [Redacted] | 36831782 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy noted due to the departure residence at [redacted] being excluded from the DTI calculation without any supporting documentation. Additionally, the appraisal is missing | Reviewer Comment (2026-07-15): Received Appraisal document and other relevant document of departure residence property, information validate DTI discrepancy suffices. Exception Cleared. Buyer Comment (2026-07-13): Departing Residence docs |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225838435 | [Redacted] | [Redacted] | 36831783 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI discrepancy noted due to the departure residence at [redacted] being excluded from the DTI calculation without any supporting documentation. Additionally, the appraisal is missing | Reviewer Comment (2026-07-15): Received Appraisal document and other relevant document of departure residence property, information validate DTI discrepancy suffices. Exception Cleared. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225838435 | [Redacted] | [Redacted] | 36831784 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Award letter was not found in file. | Reviewer Comment (2026-07-17): Cleared. [redacted] months bank statements that verify receipt of the benefits via direct deposit are located in the file. Buyer Comment (2026-07-17): Rebuttal with guides Reviewer Comment (2026-07-15): Require Award Letter document to clear the exception provided bank statement will not suffice the exception. Exception Remains. Buyer Comment (2026-07-13): Proof [redacted] months receipt of SSI |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225838435 | [Redacted] | [Redacted] | 36831798 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy noted due to the departure residence at [redacted] being excluded from the DTI calculation without any supporting documentation. Additionally, the appraisal is missing. An award letter was also not found in file for the borrower's retirement income. | Reviewer Comment (2026-07-17): Cleared. [redacted] months bank statements that verify receipt of the benefits via direct deposit are located in the file. |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KS | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838435 | [Redacted] | [Redacted] | 36831799 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | DTI discrepancy noted due to the departure residence at [redacted] being excluded from the DTI calculation without any supporting documentation. Additionally, the appraisal is missing for the departure residence. | Reviewer Comment (2026-07-17): Cleared. [redacted] months bank statements that verify receipt of the benefits via direct deposit are located in the file. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838435 | [Redacted] | [Redacted] | 36831800 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted] significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI discrepancy noted due to the departure residence at [redacted] being excluded from the DTI calculation without any supporting documentation. Additionally, the appraisal is missing | Reviewer Comment (2026-07-15): Received Appraisal document and other relevant document of departure residence property, information validate DTI discrepancy suffices. Exception Cleared. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838435 | [Redacted] | [Redacted] | 36831801 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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 due to DTI discrepancy noted due to the departure residence at [redacted] being excluded from the DTI calculation without any supporting documentation. Additionally, the appraisal for the departure home is missing. An award letter was also not found in file for the borrower's retirement income. | Reviewer Comment (2026-07-17): Cleared. [redacted] months bank statements that verify receipt of the benefits via direct deposit are located in the file. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838435 | [Redacted] | [Redacted] | 36831803 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 on the Closing Disclosure is [redacted] and on the Loan Estimate is [redacted]. No valid change circumstance in file. | Reviewer Comment (2026-07-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-13): See [redacted] page [redacted] for final CD with cure at bottom of page [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838435 | [Redacted] | [Redacted] | 36831804 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report Fee on the Closing Disclosure is [redacted] and on the Loan Estimate is [redacted]. No valid change circumstance in file. | Reviewer Comment (2026-07-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-13): See [redacted] page [redacted] for final CD with cure at bottom of page [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838435 | [Redacted] | [Redacted] | 36842496 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the deed transferring the property to the borrower's. | Reviewer Comment (2026-07-15): Received Deeds / Warranty / Grant / Quit-Claim document which confirms ownership of subject property to our borrower's, Exception Cleared. Buyer Comment (2026-07-13): Deed |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | KS | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225838435 | [Redacted] | [Redacted] | 36969995 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | KS | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225838435 | [Redacted] | [Redacted] | 36969996 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | KS | Primary | Purchase | Final CD evidences Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225838556 | [Redacted] | [Redacted] | 36834710 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Income calculated from most recent [redacted] months bank statement is lower than reflected on the UW worksheet. Due diligence review DTI is [redacted] however the lender DTI is [redacted]. | Reviewer Comment (2026-07-28): Received the updated Income Worksheet, Form 1008, and final Form 1003. Exception cleared. Buyer Comment (2026-07-24): Bank statement income has been updated using [redacted] months of the most current bank statements,[redacted] printout is not included since it's not a full month. Income has increased. Please see attached income worksheet, 1008/1003. Buyer Comment (2026-07-24): Bank statement income has been updated using [redacted] months of the most current bank statements, [redacted] printout is not included since it's not a full month. Income has increased. Please see attached income worksheet, 1008/1003. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225838556 | [Redacted] | [Redacted] | 36834772 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Income calculated from most recent [redacted] months bank statement is lower than reflected on the UW worksheet. Due diligence review DTI is [redacted] however the lender DTI is [redacted]. | Reviewer Comment (2026-07-28): Received the updated Income Worksheet, Form 1008, and final Form 1003. Exception cleared. Buyer Comment (2026-07-24): Bank statement income has been updated using[redacted] months of the most current bank statements, [redacted]printout is not included since it's not a full month. Income has increased. Please see attached income worksheet, 1008/1003. |
07/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838556 | [Redacted] | [Redacted] | 36834773 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Income calculated from most recent [redacted] months bank statement is lower than reflected on the UW worksheet. Due diligence review DTI is [redacted] however the lender DTI is [redacted]. | Reviewer Comment (2026-07-28): Received the updated Income Worksheet, Form 1008, and final Form 1003. Exception cleared. Buyer Comment (2026-07-24): Bank statement income has been updated using [redacted] months of the most current bank statements, [redacted] printout is not included since it's not a full month. Income has increased. Please see attached income worksheet, 1008/1003. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838654 | [Redacted] | [Redacted] | 36834699 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee Tolerance 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 (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838654 | [Redacted] | [Redacted] | 36841980 | Credit | Missing Document | General | Missing Document | Missing Document: Buydown Agreement not provided | The Buydown agreement provided is incomplete. Not signed by all parties. | Reviewer Comment (2026-08-06): Complete set of buydown agreement received and verified. Exception cleared. Buyer Comment (2026-08-04): Buydown |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225838792 | [Redacted] | [Redacted] | 36833203 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of ${redacted]11.0[redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | {redacted] Percent Fee Tolerance was exceeded. The total amount of [redacted] exceeds the tolerance of [redacted] plus [redacted] (or [redacted]), with no change of circumstances, but a cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225838792 | [Redacted] | [Redacted] | 36833246 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification was not provided for [redacted]. | Reviewer Comment (2026-07-06): HOA Verification received and associated. Exception cleared. Buyer Comment (2026-07-02): please see doc [redacted] for[redacted] HOA fee $[redacted]\month |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225838792 | [Redacted] | [Redacted] | 36904531 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - FICO | Reviewer Comment (2026-07-15): Using the middle FICO score for [redacted] for rental income. all properties are in [redacted] name. Reviewer Comment (2026-07-09): The co-borrower's FICO score was considered, as the co-borrower is the primary income earner. Exception Remains. Buyer Comment (2026-07-08): This is a full doc and [redacted] used B1's FICO since they're the primary income earner while [redacted] used B2/[redacted]. Please see attached and review. Thank you! |
07/15/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225839141 | [Redacted] | [Redacted] | 36837008 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award Letter is missing for borrower's annuity income. | Reviewer Comment (2026-07-08): Received annuity verification. Exception cleared. Buyer Comment (2026-07-07): [redacted] verification submitted |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225839141 | [Redacted] | [Redacted] | 36837017 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Award Letter is missing for borrower's annuity income. | Reviewer Comment (2026-07-08): Received annuity verification. Exception cleared. Buyer Comment (2026-07-07): [redacted] verification submitted |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225839141 | [Redacted] | [Redacted] | 36837037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Award Letter is missing for borrower's annuity income. | Reviewer Comment (2026-07-08): Received annuity verification. Exception cleared. Buyer Comment (2026-07-07): [redacted] verification |
07/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225839141 | [Redacted] | [Redacted] | 36837038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Award Letter is missing for borrower's annuity income. | Reviewer Comment (2026-07-08): Received annuity verification. Exception cleared. Buyer Comment (2026-07-07): [redacted] verification submitted |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225839141 | [Redacted] | [Redacted] | 36837039 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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.) | Award Letter is missing for borrower's annuity income. | Reviewer Comment (2026-07-08): Received annuity verification. Exception cleared. Buyer Comment (2026-07-07): [redacted] verification submitted |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225839141 | [Redacted] | [Redacted] | 36837041 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Abstract / Title Search on Closing Disclosure is [redacted] and on Loan Estimate [redacted]. No valid change circumstance in file. | Reviewer Comment (2026-07-09): [redacted] received rebuttal suffice. Buyer Comment (2026-07-07): Please note the payee is a different title company from the settlement agent. The borrower shopped for this, please remove from [redacted]% tolerance |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225839141 | [Redacted] | [Redacted] | 36837042 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 on Closing Disclosure is [redacted] and on Loan Estimate [redacted]. No valid change circumstance in file. | Reviewer Comment (2026-07-09): [redacted] received valid COC document. Buyer Comment (2026-07-07): [redacted] is the COC. The loan amount increased which is a valid change in circumstance. [redacted] is the coorosponding LE |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225839143 | [Redacted] | [Redacted] | 36838549 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the mortgage statement for property #[redacted]. | Reviewer Comment (2026-07-13): Cleared. received documents Buyer Comment (2026-07-09): note & fss upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225839143 | [Redacted] | [Redacted] | 36838560 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is equal to or greater than the threshold of APOR [redacted]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-13): Cleaered. Received additional 1004 Buyer Comment (2026-07-09): [redacted] report also upld Buyer Comment (2026-07-09): please cancel, the receipt for the [redacted] report is on [redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225839143 | [Redacted] | [Redacted] | 36838561 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Please provide a copy of the valuation provided to the borrower on [redacted] | Reviewer Comment (2026-07-13): Cleaered. Received additional 1004 Buyer Comment (2026-07-09): [redacted] report also upld |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225839153 | [Redacted] | [Redacted] | 36846234 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-07-24): Received Final Closing statement. Exception Cleared. Buyer Comment (2026-07-22): Please see attached. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225839153 | [Redacted] | [Redacted] | 36846260 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Secondary appraisal effective date does not match with appraisal effective date. | Reviewer Comment (2026-07-27): Updated CDA, cleared Buyer Comment (2026-07-24): Please see attached. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | ||||||||||||||
| 225839153 | [Redacted] | [Redacted] | 36846267 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Secondary Valuation does not support original appraisal. | Reviewer Comment (2026-07-27): Updated CDA supports value, cleared Buyer Comment (2026-07-24): [redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | |||||||||||||
| 225839153 | [Redacted] | [Redacted] | 36897594 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-07-09): Lender used [redacted]% of market rent to qualfify instead of lower of actual rents or market rent. Reviewer Comment (2026-07-09): An [redacted]% haircut applicable to unleased properties. The property is currently leased on a short-term rental basis, the DSCR has been calculated using the lower actual rental income of $[redacted]. Exception Remains. Buyer Comment (2026-07-07): 1007 Buyer Comment (2026-07-07): [redacted] respectfully disagrees with [redacted] DSCR. Upon further review, 1007 has market rent listed at $[redacted] This is lessor of market & actual. $[redacted]x [redacted] ([redacted] haircut) is $[redacted] [redacted]/ [redacted]= [redacted] Please see supporting documentation and advise. Thansk! |
07/09/2026 | No | 1 | A | A | A | A | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | C | A | N/A | No | |||||||||||||||||||
| 225840480 | [Redacted] | [Redacted] | 36947474 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background check was not found in file. | Reviewer Comment (2026-07-14): Associated to the Fraud Report, cleared Buyer Comment (2026-07-14): Please clarify as to which report you are missing so [redacted] can advise, thank you |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225840480 | [Redacted] | [Redacted] | 36947475 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report was not found in file. | Reviewer Comment (2026-07-14): Fraud Report, cleared Buyer Comment (2026-07-14): Please see attached copy of fraud report to clear condition |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225840482 | [Redacted] | [Redacted] | 36835169 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | COC not provided | Reviewer Comment (2026-08-03): [redacted] received PCCD and LOE Buyer Comment (2026-07-30): title fee email Buyer Comment (2026-07-30): PCCD Reviewer Comment (2026-07-08): [redacted] received a rebuttal comment stating that this is a regular title fee. However, the fee was disclosed without the required "Title" prefix, even though it was paid to the same as the other title fees are paid. Please provide a corrected PCCD reflecting the appropriate title designation or provide applicable cure documentation. Buyer Comment (2026-07-07): This is a regular title fee, refer to the payee. Please remove from [redacted]% tolerance |
08/03/2026 | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225840482 | [Redacted] | [Redacted] | 36835173 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-07-08): Final 1003 provided. Exception cleared Buyer Comment (2026-07-07): URLA |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225840591 | [Redacted] | [Redacted] | 36846426 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Track record documentation other than application is missing and is required based on guidelines. | Reviewer Comment (2026-07-08): Track Record verified in Final 1003 and Credit Report. Exception cleared. Buyer Comment (2026-07-06): Can you please confirm what is missing |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225840703 | [Redacted] | [Redacted] | 36838642 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225842350 | [Redacted] | [Redacted] | 36842886 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business or personal tax returns not provided. Tax return filing extension is provided for [redacted]. | Buyer Comment (2026-07-15): Ok to waive per [redacted] |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225842350 | [Redacted] | [Redacted] | 36842887 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Most recent business or personal tax returns not provided. Tax return filing extension is provided for [redacted]. | Buyer Comment (2026-07-15): Ok to waive per [redacted] |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225842350 | [Redacted] | [Redacted] | 36842888 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225842350 | [Redacted] | [Redacted] | 36842889 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225842350 | [Redacted] | [Redacted] | 36843846 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Please provide final HUD1 on source of bridge fund [redacted]. Additional requirement may apply. | Reviewer Comment (2026-07-15): Received CD for[redacted], Exception Cleared Buyer Comment (2026-07-14): [redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| 225842363 | [Redacted] | [Redacted] | 36850531 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] | Discrepancy in DSCR Bid tape DSCR [redacted]. Lender DSCR [redacted]. DD calculated DSCR [redacted]. Discrepancy is due to lender is using lower rents that what was verified. | Reviewer Comment (2026-07-20): Cleared. Received updated UW worksheet. Reviewer Comment (2026-07-20): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Reviewer Comment (2026-07-20): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DSCR is [redacted] however due diligence is [redacted]. An updated Bid tape for the DSCR is required. Buyer Comment (2026-07-16): Here you go. Not sure why it was not calculating correctly the [redacted] time Reviewer Comment (2026-07-16): Bid Tape value updated to [redacted] and calculated DSCR is [redacted] utilizing Actual Rent from provided Lease Agreement $[redacted]($[redacted]+ $[redacted]) with PITIA $[redacted]. DSCR: $[redacted]/ $[redacted]. Exception remains. Buyer Comment (2026-07-14): Your calculations are incorrect. The rental income is [redacted] which makes the [redacted] DSCR Reviewer Comment (2026-07-14): Bid tape updated to [redacted]and calculated DSCR is [redacted] utilizing lower actual rent of $[redacted]with PITIA $[redacted]. Exception remains Buyer Comment (2026-07-13): please re-review updated bid tape to match DSCR [redacted] Reviewer Comment (2026-07-09): Received updated UW worksheet. Please note that the calculated total amount in the rent to be utilzed section is not correct, should be $[redacted]. Buyer Comment (2026-07-08): worksheet Reviewer Comment (2026-07-08): Provided worksheet reflects DSCR [redacted] and date compare reflects DSCR [redacted]. Please provide updated worksheet or correct the bid tape data. Exception remains. Buyer Comment (2026-07-06): worksheet |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225843130 | [Redacted] | [Redacted] | 36851243 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-07-07): Third party verification of employment for business entity good standing and Article of organization for sole ownership percentage. Exception cleared. Buyer Comment (2026-07-02): Rebuttal |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225843130 | [Redacted] | [Redacted] | 36851247 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-07): Third party verification of employment for business entity good standing and Article of organization for sole ownership percentage. Exception cleared. Buyer Comment (2026-07-02): rebuttal LOX submitted |
07/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NM | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225843130 | [Redacted] | [Redacted] | 36851248 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Unable to confirm as the CPA letter or business narrative completed by a tax professional is missing | Reviewer Comment (2026-07-07): Third party verification of employment for business entity good standing and Article of organization for sole ownership percentage. Exception cleared. Buyer Comment (2026-07-02): rebuttal LOX submitted |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225843264 | [Redacted] | [Redacted] | 36846538 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report 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 (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225843264 | [Redacted] | [Redacted] | 36846539 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Transfer tax Fee was last disclosed as [redacted] on Loan Estimate but disclosed as [redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225843789 | [Redacted] | [Redacted] | 36847301 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC for business entity is missing. | Reviewer Comment (2026-07-08): Received OFAC document. Exception Cleared. Buyer Comment (2026-07-06): ofac |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | VA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225844245 | [Redacted] | [Redacted] | 36851003 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | The final signed/dated or stamped closing statement/HUD was not located in the file. | Reviewer Comment (2026-07-21): Received final closing statement. Exception cleared. Buyer Comment (2026-07-20): final settlement statement |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225844455 | [Redacted] | [Redacted] | 36855365 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The insurance is insufficient to cover the mortgage amount. The checklist from the insurer is missing from the file. | Reviewer Comment (2026-07-01): Insurance has [redacted]% replacement coverage. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846888 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | [redacted] loan Closing Disclosure or closing statement is missing to verify. | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure, Exception Cleared. Buyer Comment (2026-07-08): [redacted] loan final CD |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846892 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | [redacted] loan Closing Disclosure or closing statement is missing to verify. | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure, Exception Cleared. Buyer Comment (2026-07-08): [redacted] loan final CD submitted |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846893 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-07-13): Title Final in amount of $[redacted] is received. Exception cleared. |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846894 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-13): Title Final in amount of $[redacted] is received. Exception cleared. Buyer Comment (2026-07-09): final title |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846896 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | [redacted] loan Closing Disclosure or closing statement is missing to verify. | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure, Exception Cleared. Buyer Comment (2026-07-08): [redacted] loan final CD submitted |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846897 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] loan Closing Disclosure or closing statement is missing to verify. | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure, Exception Cleared. Buyer Comment (2026-07-08): [redacted] loan final CD submitted |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846904 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to [redacted] loan Closing Disclosure or closing statement is missing to verify. | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure, Exception Cleared. Buyer Comment (2026-07-08): [redacted] loan final CD submitted |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225844547 | [Redacted] | [Redacted] | 36846905 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | [redacted] loan Closing Disclosure or closing statement is missing to verify. | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure, Exception Cleared. Buyer Comment (2026-07-08): [redacted] loan final CD submitted |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225844547 | [Redacted] | [Redacted] | 36846906 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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.) | [redacted] loan Closing Disclosure or closing statement is missing to verify. | Reviewer Comment (2026-07-09): Received [redacted] loan closing disclosure, Exception Cleared. Buyer Comment (2026-07-08): [redacted] loan final CD submitted |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225844547 | [Redacted] | [Redacted] | 36854572 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Fee Amount of $[redacted]exceeds tolerance of $[redacted]. | Reviewer Comment (2026-06-30): Sufficient Cure Provided At Closing |
06/30/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225844548 | [Redacted] | [Redacted] | 36847584 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-08-04): Received additional bank statement. Exception Cleared Buyer Comment (2026-07-31): Please see additional bank statement [redacted] Acct #[redacted] showing a balance of $[redacted] for additional reserves. I have updated and attached the 1008/1003 with the additional asset Buyer Comment (2026-07-31): Please see additional bank statement [redacted] Acct #[redacted] showing a balance of $[redacted] for additional reserves. I have updated and attached the 1008/1003 with the additional asset Buyer Comment (2026-07-31): Please see additional bank statement [redacted] Acct #[redacted] showing a balance of $[redacted] for additional reserves. I have updated and attached the 1008/1003 with the additional asset |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225844550 | [Redacted] | [Redacted] | 36850704 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Please provide fully executed final HUD1 from subject transaction. Certification from title officer to be included. | Reviewer Comment (2026-07-10): Received Final Closing Statement updated values and associated. Exception cleared. Buyer Comment (2026-07-09): please see attached ALTA signed by closing agent |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225844631 | [Redacted] | [Redacted] | 36850827 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Please provide certified final HUD 1 on subject signed by all parties. | Reviewer Comment (2026-07-15): Received Final Closing Statement updated values and document associated. Exception cleared. Buyer Comment (2026-07-14): final Reviewer Comment (2026-07-10): Received unsigned final closing statement. Required final closing statement signed by all parties. Exception remains. Buyer Comment (2026-07-09): Final settlement statement Reviewer Comment (2026-07-08): Received Estimated Settlement Statement. Required Final Closing Statement fully executed by all parties or stamped true and certified. Exception Remains. Buyer Comment (2026-07-06): final settlement signed |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225844633 | [Redacted] | [Redacted] | 36846569 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | As per 1008, exception requested for alternative tradeline requirement, missing evidence of exception approval. | Reviewer Comment (2026-07-07): Received Lender exception updated and associated, Exception cleared. Buyer Comment (2026-07-06): please see attached lender exception |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845952 | [Redacted] | [Redacted] | 36847919 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Member Birth Date was not provided in this loan file. | Reviewer Comment (2026-07-14): Birth Date for member is not required. Exception cleared. Buyer Comment (2026-07-13): please cancel, [redacted] is not on lthe loan, only signed as additional llc member. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225845952 | [Redacted] | [Redacted] | 36847978 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty was missing from this loan file. | Reviewer Comment (2026-07-14): Received condo certificate and project review approved by [redacted] . Exception cleared. Buyer Comment (2026-07-13): project aprvl upld |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225845954 | [Redacted] | [Redacted] | 36849014 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Birth date was not found in file. | Reviewer Comment (2026-07-08): Birth Date is not required for member. Exception cleared. Buyer Comment (2026-07-06): please note that [redacted] is a managing member of [redacted] only and is not a borrower on the loan |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225845958 | [Redacted] | [Redacted] | 36856232 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA is missing in file for REO property. | Reviewer Comment (2026-07-07): HOA document provided. Exception cleared. Buyer Comment (2026-07-06): please see docs[redacted] for $[redacted] [redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845961 | [Redacted] | [Redacted] | 36849921 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to Lender not considering debt obligations for REO property [redacted] in DTI calculation. | Reviewer Comment (2026-08-06): Received Lease Agreement is verified, rental income has been calculated, exception cleared. Buyer Comment (2026-08-05): revised 1008/1003 and lease upld |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845961 | [Redacted] | [Redacted] | 36850048 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI discrepancy causing loan designation mismatch. | Reviewer Comment (2026-08-06): Received Lease Agreement and revised 1003/1008 verified, exception cleared. Buyer Comment (2026-08-05): revised 1008/1003 and lease upld to trl docs |
08/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225845961 | [Redacted] | [Redacted] | 36850049 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-06): Received Lease Agreement and revised 1003/1008 verified, exception cleared. Buyer Comment (2026-08-05): revised 1008/1003 and lease upld to trl docs |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845961 | [Redacted] | [Redacted] | 36850052 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and[redacted] of [redacted] significantly exceeds the guideline maximum of [redacted]. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds guideline maximum due to considering debt obligations for REO property [redacted] in DTI calculation. | Reviewer Comment (2026-08-06): Received Lease Agreement and revised 1003/1008 verified, exception cleared. Buyer Comment (2026-08-05): revised 1008/1003 and lease upld to trl docs |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845961 | [Redacted] | [Redacted] | 36850056 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds guideline maximum due to considering debt obligations for REO property [redacted] in DTI calculation. | Reviewer Comment (2026-08-06): Received Lease Agreement is verified, rental income has been calculated, exception cleared. Buyer Comment (2026-08-05): revised 1008/1003 and lease upld to trl docs |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845983 | [Redacted] | [Redacted] | 36848700 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-04): Received documentation confirming the Business Entity listing date. Exception cleared. Buyer Comment (2026-08-03): Please see the snippet below. This shows the date that it was uploaded, which was the date that it was pulled from the website. If you go further down, you will see the date the internet search was pulled. Please clear condition. Reviewer Comment (2026-07-24): Business entity listing present in file is not dated. Exception remains. Buyer Comment (2026-07-22): Please see attached |
08/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225845983 | [Redacted] | [Redacted] | 36848703 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are {redacted] 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.) | Business bank statement for [redacted] account #[redacted], dated [redacted], is missing. | Reviewer Comment (2026-07-24): Received bank statement. Exception cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845983 | [Redacted] | [Redacted] | 36848730 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The file is missing a document date for the Business Entity Listing. | Reviewer Comment (2026-08-04): Received documentation confirming the Business Entity listing date. Exception cleared. Buyer Comment (2026-08-03): [redacted] Reviewer Comment (2026-07-24): Business entity listing present in file is not dated. Exception remains. Buyer Comment (2026-07-22): [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845983 | [Redacted] | [Redacted] | 36848744 | Credit | Income | Document Error | Income | Bank statement page number is blank. | - | Business bank statement for [redacted] account #[redacted], dated [redacted], is missing. | Reviewer Comment (2026-07-24): Received bank statement. Exception cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845983 | [Redacted] | [Redacted] | 36848837 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The business bank statement for[redacted]account ending in [redacted], dated [redacted], is missing. | Reviewer Comment (2026-07-24): Received bank statement. Exception cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845983 | [Redacted] | [Redacted] | 36848877 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Loan does not meet [redacted]or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-04): Received documentation confirming the Business Entity listing date. Exception cleared. Buyer Comment (2026-08-03): [redacted] Reviewer Comment (2026-07-24): Business entity listing present in file is not dated. Exception remains. Buyer Comment (2026-07-22): [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225845984 | [Redacted] | [Redacted] | 36849543 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | CPA letter for [redacted] is not dated. | Reviewer Comment (2026-07-14): Received dated CPA letter. Condition cleared. Reviewer Comment (2026-07-14): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Borrower: [redacted] // Employment Type: Employment / Income Type: Bank Statements / Start Date: [redacted] // Document: CPA Letter / Document Date: <empty> / Tax Year: <empty>, Borrower:[redacted] // Employment Type: Employment / Income Type: Bank Statements / Start Date:[redacted] // Document: CPA Letter / Document Date: <empty> / Tax Year: <empty> Buyer Comment (2026-07-13): Please see attached copy of dated CPA letter to clear conditions |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225845984 | [Redacted] | [Redacted] | 36849553 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | CPA letter for [redacted] is not dated. | Reviewer Comment (2026-07-14): Received dated CPA letter. Condition cleared. Buyer Comment (2026-07-13): [redacted] |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225845984 | [Redacted] | [Redacted] | 36849554 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted]or more guideline components which could impact the borrower's ability to repay. | CPA letter for [redacted] is not dated. | Reviewer Comment (2026-07-14): Received dated CPA letter. Condition cleared. Buyer Comment (2026-07-13): [redacted] |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225847202 | [Redacted] | [Redacted] | 36856467 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | The appraisal disclosed that the property was listed for sale within the last [redacted]months. Please provide a letter of explanation disclosing the reason the property was listed. | Reviewer Comment (2026-07-08): Loan is a delayed refinance transaction. Borrower purchased the property on [redacted] , and the property was listed for sale on [redacted] prior to acquisition. Exception cleared. Buyer Comment (2026-07-06): please see appraisal doc [redacted] page [redacted] . appraiser sales\transfer history notes states borrower purchased house in[redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225847320 | [Redacted] | [Redacted] | 36864149 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates a lender exception was approved for the source of gift of equity funds. However the lender exception form, approval and compensating factors was not included in the file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-17): Client elects to waive with compensating factors. Reviewer Comment (2026-07-17): Lender exception approval provided to use the future father in law of the borrower as a source of gift of equity. Borrower is getting married [redacted] and is purchasing the subject property from his future father in law. Buyer Comment (2026-07-15): Exception |
07/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225847320 | [Redacted] | [Redacted] | 36864379 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates a lender exception was approved for FTHB with [redacted]% MRI requirement. However the lender exception form, approval and compensating factors is missing from the file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-17): Client elects to waive with compensating factors. Reviewer Comment (2026-07-17): Lender exception approval provided for for [redacted] time home buyer with no rental history, requires [redacted] % min contibution, asking for [redacted] %. Buyer Comment (2026-07-15): Exception |
07/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225847390 | [Redacted] | [Redacted] | 36860191 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Greater than [redacted] Year ARM Compliant | [redacted][redacted] Loan: APR on subject loan of [redacted]% is in excess of allowable threshold of [redacted] Rate [redacted]% + [redacted]%, or [redacted]%. Compliant SubPrime Loan. | Buyer Comment (2026-07-10): OK TO WAIVE PER PRIOR GUIDANCE FROM CNR, [redacted] COMPLIANT CONDITION |
07/10/2026 | No | 1 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225847397 | [Redacted] | [Redacted] | 36856321 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation that the condo is warrantable. | Reviewer Comment (2026-07-28): Condominium consists of[redacted] unit, exempt from project review for warrantable. Exception cleared. Buyer Comment (2026-07-24): Per Appraisal, Project only has[redacted] units. Check Guidelines as [redacted] unit projects do not require Condo Approval |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225847397 | [Redacted] | [Redacted] | 36856330 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Note document address does not match the CDA document. The note document shows "[redacted]", while the CDA reflects "[redacted]". | Reviewer Comment (2026-07-28): Received Affidavit for Address stating that the addresses refer to one and the same physical property, location and premises. Exception cleared. Buyer Comment (2026-07-24): Please see attached Address Affidavit. The terms Unit Number and Apartment number are used interchangeably and does not in any way affect the property in question. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225847397 | [Redacted] | [Redacted] | 36856339 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Note document address does not match the appraisal document. The note document shows "[redacted]", while the appraisal reflects "[redacted]". | Reviewer Comment (2026-07-28): Received Affidavit for Address stating that the addresses refer to one and the same physical property, location and premises. Exception cleared. Buyer Comment (2026-07-24): Please see attached Address Affidavit. The terms Unit Number and Apartment number are used interchangeably and does not in any way affect the property in question. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225847405 | [Redacted] | [Redacted] | 36860127 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review Fee increased to $[redacted]without a valid change of circumstance; however, a cure was provided to the borrower. | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225847405 | [Redacted] | [Redacted] | 36860128 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report Fee increased to $[redacted]without a valid change of circumstance; however, a cure was provided to the borrower. | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225847523 | [Redacted] | [Redacted] | 36860197 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | - | Appraisal transfer letter was missing in the file. | Reviewer Comment (2026-07-13): Received required documentation. Condition cleared. Buyer Comment (2026-07-09): appraisal transfer |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | A | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225847523 | [Redacted] | [Redacted] | 36860200 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan [redacted] Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): [redacted] requirements not satisfied. | Appraisal transfer letter was missing in the file. | Reviewer Comment (2026-07-13): Received required documentation. Condition cleared. Buyer Comment (2026-07-09): transfer letter submitted |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | A | A | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225847523 | [Redacted] | [Redacted] | 36860203 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Survey Fee was disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-22): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted] . Buyer Comment (2026-07-21): [redacted] didn't require the survey Reviewer Comment (2026-07-13): [redacted] received corrected PCCD and LOE but LOE does not state the fee is not required by lender. Moving the fee alone cannot test the fee under no tolerance. Please provide attestation confirming Survey is not required by lender. Buyer Comment (2026-07-09): PCCD moving survey fee to section [redacted]. Please review line [redacted] of the sales contract that states the borrower/buyer will cover a survey Buyer Comment (2026-07-09): PCCD moving survey fee to section [redacted] . Please review line [redacted] of the sales contract that states the borrower/buyer will cover a survey |
07/22/2026 | 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 | A | A | A | C | A | B | A | Non QM | Non QM | Yes | |||||||||
| 225849319 | [Redacted] | [Redacted] | 36861544 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for co-borrower unable to meet LL requirement. Compensating factors are LTV [redacted]% or more under requirement, [redacted] - own various properties, and [redacted] points or more above requirement. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-01): Preapproved exception |
07/01/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| 225849321 | [Redacted] | [Redacted] | 36862569 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225849321 | [Redacted] | [Redacted] | 36866300 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN and error on [redacted] Court Search Report due to name/SSN mismatch, please provide updated ADV report with valid search report for borrower. | Reviewer Comment (2026-07-15): visa and non permanent residence alien docs provided Buyer Comment (2026-07-13): please see attached visa and non permanent residence alien docs for [redacted] i docs [redacted] & [redacted] Reviewer Comment (2026-07-13): Received report however the report reflects error in SSN. Proof of SSN is not located in the file. Buyer Comment (2026-07-09): please see attached fraud report |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849429 | [Redacted] | [Redacted] | 36869715 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified liquid assets in the amount of $[redacted]are insufficient to meet the cash to close of $[redacted]. | Reviewer Comment (2026-07-24): Received [redacted] bank statement with sufficient balance before closing. Exception cleared. Buyer Comment (2026-07-22): See the balance on page [redacted] and the $[redacted] Wire on page [redacted] .that was transferred to account [redacted] to allow for sufficient funds to close. This wire is less than [redacted] % of the borrower's qualifying income and doesn't need to be sourced. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849429 | [Redacted] | [Redacted] | 36869736 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Verified liquid assets in the amount of $[redacted]are insufficient to meet the cash to close of $[redacted]. | Reviewer Comment (2026-07-24): Received [redacted] bank statement with sufficient balance before closing. Exception cleared. Buyer Comment (2026-07-22): Please see the updated [redacted] bank statement showing sufficient funds to close. This also leaves sufficient funds for reserves since all the [redacted] can be allocated for reserves exceeding the requirment. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849429 | [Redacted] | [Redacted] | 36869742 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to insufficient assets to cover cash from the borrower. | Reviewer Comment (2026-07-24): Received [redacted] bank statement with sufficient balance before closing. Exception cleared. |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849429 | [Redacted] | [Redacted] | 36869743 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted]or more guideline components which could impact the borrower's ability to repay. | Waterfall due to insufficient assets to cover cash from the borrower. | Reviewer Comment (2026-07-24): Received [redacted] bank statement with sufficient balance before closing. Exception cleared. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849429 | [Redacted] | [Redacted] | 36881779 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to use statements from a [redacted]payment platform. Max [redacted]% LTV/CLTV, [redacted] months supporting documentation from Click Bank E-deposits, VOR [redacted]x[redacted]x[redacted]. | Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-06): Client elects to waive with compensating factors. |
07/06/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225849432 | [Redacted] | [Redacted] | 36861715 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | The Loan Estimate was not delivered or placed in the mail to Borrower(s) within [redacted]business days of application. | Reviewer Comment (2026-07-22): [redacted] received rebuttal comment and as per 1003 with all [redacted] pieces of information, purchase contract and disclosures summary application date changed to [redacted] . Buyer Comment (2026-07-21): The application date is [redacted] , see disclosure tracking in the Compliance Timeline Reviewer Comment (2026-07-16): The timing for the LE under §[redacted] is [redacted] business days from application. Initial LE issued [redacted] . On this loan, the LE should have been issued within [redacted] business days of the application date of [redacted] . Buyer Comment (2026-07-15): Disclosure tracking |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849432 | [Redacted] | [Redacted] | 36865990 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-07-16): Letter of explanation received for borrower living rent free. Exception cleared. Buyer Comment (2026-07-15): Rent free |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849627 | [Redacted] | [Redacted] | 36861750 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-23): Final title policy received and verified. Exception cleared. |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225849627 | [Redacted] | [Redacted] | 36861752 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provided commitment document does not have policy amount. Required valid title commitment document. | Reviewer Comment (2026-07-23): Title policy amount updated from final title policy. Exception cleared. Buyer Comment (2026-07-22): final policy upld |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225849627 | [Redacted] | [Redacted] | 36861757 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-16): CDA received, exception cleared Buyer Comment (2026-07-15): cda upld |
07/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225849627 | [Redacted] | [Redacted] | 36861802 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-14): Received E-sign Consent Agreement as required. Exception cleared. Buyer Comment (2026-07-13): econsent and proof disclosures were also sent regular mail upld |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225849627 | [Redacted] | [Redacted] | 36861809 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy document is missing. | Reviewer Comment (2026-07-14): Received HOI policy as required. Exception cleared. Buyer Comment (2026-07-13): hoi upld |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225849627 | [Redacted] | [Redacted] | 36861821 | 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 [redacted]([redacted]) business days from transaction date of [redacted]. | Reviewer Comment (2026-07-16): Verified updated disbursement date from Final Closing Statement, exception cleared. Buyer Comment (2026-07-15): pccd is not required, the final ss is sufficient to clear. Reviewer Comment (2026-07-14): Provided [redacted] will not suffice the requirement. Please provide post close disclosure documents. Exception remains. Buyer Comment (2026-07-13): final ss upld, loan disbursed [redacted] |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||
| 225849628 | [Redacted] | [Redacted] | 36860628 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Require assets for closing to cover cash from borrower. | Reviewer Comment (2026-07-17): Closing statement from cash out refi of REO, cleared Buyer Comment (2026-07-17): Cash out from refi |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225849628 | [Redacted] | [Redacted] | 36862445 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide additional consecutive months of assets to support and source of reserves requirement and closing funds. Additional requirements may apply. | Reviewer Comment (2026-07-17): Closing statement from cash out refi of REO, cleared Buyer Comment (2026-07-17): See cash out from refi |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865059 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): cd/note for [redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865064 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for[redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): note/cd for[redacted] n[redacted] [redacted] upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865077 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): note/cd for [redacted] n los altos upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865080 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): note/cd [redacted] [redacted] upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865088 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): note/cd [redacted] upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865100 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): nore/cd for[redacted] upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865106 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): note/cd [redacted] upld |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865148 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for[redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): duplicate condition, this was upld to trl docs |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865157 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for[redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): duplicate condition, this was upld to trl docs |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849630 | [Redacted] | [Redacted] | 36865171 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-07-15): Final CD received. Buyer Comment (2026-07-13): duplicate condition, this was upld to trl docs |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849639 | [Redacted] | [Redacted] | 36871924 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-10): Received UCDP with risk score [redacted] . Exception cleared. Buyer Comment (2026-07-09): UCDP Reviewer Comment (2026-07-09): Provide UCDP to verify CU risk score. Exception remains Buyer Comment (2026-07-07): The risk scores were [redacted] , please cancel invalid condition. |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225849643 | [Redacted] | [Redacted] | 36861643 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Reviewer Comment (2026-07-14): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared. Buyer Comment (2026-07-10): please cancel, [redacted] is no on the loan, only signed as additional [redacted] member |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225849643 | [Redacted] | [Redacted] | 36862133 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Missing credit report for [redacted]. The individual owns [redacted]% of the borrowing entity, and signed the Note and Guarantee Agreement as a guarantor | Reviewer Comment (2026-07-14): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared. Buyer Comment (2026-07-10): please cancel, [redacted] is no on the loan, only signed as additional LLC member |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225849643 | [Redacted] | [Redacted] | 36862135 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Missing OFAC for Guarantor | Reviewer Comment (2026-07-15): OFAC for Guarantor, cleared Buyer Comment (2026-07-15): ofac upld Reviewer Comment (2026-07-14): Per deal document on Page [redacted] , OFAC verification is required for the borrowing entity, guarantor(s), and all members of the borrowing entity. Exception Remains. Buyer Comment (2026-07-10): please cancel, [redacted] is no on the loan, only signed as additional LLC member |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||
| 225849643 | [Redacted] | [Redacted] | 36862146 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Missing final 1003 for [redacted], who signed the Note and Guarantee Agreement as a guarantor, and owns [redacted]% of the borrowing entity | Reviewer Comment (2026-07-14): [redacted] is signed the note as a member. Information not required in the file for same borrower. Exception Cleared. Buyer Comment (2026-07-10): please cancel, [redacted] is no on the loan, only signed as additional LLC member |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225849645 | [Redacted] | [Redacted] | 36861675 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC search for business entity was not found in the file. | Reviewer Comment (2026-07-08): Received OFAC search for business entity. Exception cleared. Buyer Comment (2026-07-07): OFAC |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225849665 | [Redacted] | [Redacted] | 36865836 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report fee increase $[redacted]with no valid Change of Circumstance and no lender cure was provided. | Reviewer Comment (2026-07-16): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-15): please see attached lox, pccd & check |
07/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225849676 | [Redacted] | [Redacted] | 36868610 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-21): Received final title policy document with the policy amount. Exception Cleared. Buyer Comment (2026-07-20): final title commitment |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849676 | [Redacted] | [Redacted] | 36868611 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-07-21): Received final title policy document with the policy amount. Exception Cleared. |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849810 | [Redacted] | [Redacted] | 36868580 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan ([redacted]): Mandatory escrow account not established on [redacted]lien mortgage loan. | Reviewer Comment (2026-07-16): Received Initial Rate Lock document. Exception cleared. Buyer Comment (2026-07-15): upld initial rate set [redacted] lock to re-calculate your apor. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225849810 | [Redacted] | [Redacted] | 36868581 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | The disclosed APR [redacted]% is greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. | Reviewer Comment (2026-07-16): Received Initial Rate Lock document. Exception cleared. Buyer Comment (2026-07-15): please see initial rate set [redacted] lock to re-calculate your apor. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849811 | [Redacted] | [Redacted] | 36862239 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing [redacted] policy, blanket hazard insurance policy provided does not contain unit interior coverage. | [redacted] policy was not provided. | Reviewer Comment (2026-07-24): Received Master Hazard insurance policy stating walls in coverage is present. Exception Cleared. Buyer Comment (2026-07-22): Please review the first page of the master hazard insurance policy. The policy identifies the subject property address as a covered location. Additionally, under the section titled "How are Unit Improvements & Betterments Insured?", the policy states "All In." Based on this information, the master condominium hazard insurance policy provides coverage for the unit, including unit improvements and betterments. A separate HO-6 policy is not required. Please review the submitted documentation and clear this condition. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849811 | [Redacted] | [Redacted] | 36862245 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of[redacted]Status not provided | Borrower is a Non-Permanent Resident Alien, and [redacted] visa/PRA Card was not provided. Additional documentation required per credit guidelines was not met. | Reviewer Comment (2026-07-24): Received Certificate of Naturalization. Exception Cleared. Buyer Comment (2026-07-22): Please see attached. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849811 | [Redacted] | [Redacted] | 36862297 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA and Insurance Verification was not provided. | Reviewer Comment (2026-07-24): Both the property are escrowed as per Mortgage statement. Received HOA statement for both properties. Exception Cleared. Buyer Comment (2026-07-22): Please see attached. The Mortgage statement shows that the taxes and insurance is included in the payment. The HOA for both properties have also been uploaded. Please clear condition. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225850196 | [Redacted] | [Redacted] | 36868297 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]/[redacted]was not provided. | - | [redacted]- Certificate of Completion was not found in file. | Reviewer Comment (2026-07-15): Received revised appraisal completed "As Is." Exception cleared. Buyer Comment (2026-07-14): revised appraisal Reviewer Comment (2026-07-10): Provided Appraisal was made "subject to". Required 1004D/442 to verify completion. Exception Remains. Buyer Comment (2026-07-08): report required by appraisal |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | |||||||||||||
| 225850367 | [Redacted] | [Redacted] | 36868246 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided | Please provide certified copy of final HUD 1 on initial purchase on subject dated [redacted]. | Reviewer Comment (2026-07-15): Received HUD/CD (Initial Purchase). Exception Cleared. Buyer Comment (2026-07-14): please see attached initial purchase alta Reviewer Comment (2026-07-13): Per guideline, the closing statement evidencing a cash sale must be provided and evidence of the source of funds used to purchase must be documented. Source of funds is verified, require closing statement. Exception remains. Buyer Comment (2026-07-09): please see LOX doc [redacted] stating funds came from 1031 exchange transfer. coinciding statement showing transfer is doc [redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225850879 | [Redacted] | [Redacted] | 36868775 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty Document was not found in file. | Reviewer Comment (2026-07-10): Received documentation for condo warrantable as required. Exception cleared. Buyer Comment (2026-07-08): please see condo cert doc [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225850897 | [Redacted] | [Redacted] | 36870158 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Form [redacted]was not found in file. | Reviewer Comment (2026-07-10): Received Form [redacted] . Exception Cleared. Buyer Comment (2026-07-08): please see attached [redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225850902 | [Redacted] | [Redacted] | 36868456 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement was provided; however, it was not signed. | Reviewer Comment (2026-07-08): [redacted] pages received, exception cleared. Buyer Comment (2026-07-07): [redacted] pages |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225850905 | [Redacted] | [Redacted] | 36871941 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final signed/dated or certified stamped final HUD/closing statement for the subject transaction. Only an estimate was provided. | Reviewer Comment (2026-07-13): Signed Final Closing Statement received, exception cleared. Buyer Comment (2026-07-09): apologies, here is the final settlement statement Reviewer Comment (2026-07-09): Provided final closing statement property address incorrect. Required for subject property address with [redacted] and True copy certified. Exception remains Buyer Comment (2026-07-08): please see attached final alta |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225852326 | [Redacted] | [Redacted] | 36868985 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification Address: [redacted] were not found in file. | Reviewer Comment (2026-07-14): Received tax and hazard insurance verification. Exception cleared. Buyer Comment (2026-07-10): reo docs |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| 225852326 | [Redacted] | [Redacted] | 36868991 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution was not found in file. | Reviewer Comment (2026-07-14): Corporate resolution associated. Exception cleared. Buyer Comment (2026-07-10): [redacted] is the resolution |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | |||||||||||
| 225852326 | [Redacted] | [Redacted] | 36868997 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under[redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | Buyer Comment (2026-07-10): waived |
07/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | |||||||||||
| 225852326 | [Redacted] | [Redacted] | 36885196 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Allow applicant to not document primary housing history when guidelines require a [redacted]-month primary housing history to be documented. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-14): Client elects to waive with compensating factors. Reviewer Comment (2026-07-14): Lender exception approval provided to allow applicant to not document primary housing history when guidelines require a[redacted] month primary housing history to be documented. Buyer Comment (2026-07-10): exception |
07/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||
| 225852425 | [Redacted] | [Redacted] | 36868963 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | Credit history reflects a total of [redacted]reported late payments. | Reviewer Comment (2026-07-13): Letter of explanation received, exception cleared Buyer Comment (2026-07-09): lox |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225852425 | [Redacted] | [Redacted] | 36871205 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Please provide the most recent active insurance policy on the subject. Additional requirements may apply. | Reviewer Comment (2026-07-13): Insurance Policy received, exception cleared. Buyer Comment (2026-07-09): hoi |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225853802 | [Redacted] | [Redacted] | 36870182 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-15): UCDPs, cleared Buyer Comment (2026-07-15): ucdp upld, please clear cu score is under [redacted] , cda not required |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225854087 | [Redacted] | [Redacted] | 36870402 | Credit | Guideline | Guideline Issue | Guideline | The Subject Property was listed for sale at the time of loan application and the file does not contain evidence the property was taken off the market on or before the loan disbursed. | - | Evidence the subject property was taken off from the market on or before the loan was disbursed is required. | Reviewer Comment (2026-07-16): Received Property Listing document which confirm listing got removed on [redacted] . Exception Cleared. Buyer Comment (2026-07-14): Please see attached. This shows that the listing was removed. |
07/16/2026 | 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 | Non QM | Non QM | No | ||||||||||
| 225854087 | [Redacted] | [Redacted] | 36870429 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225854087 | [Redacted] | [Redacted] | 36870438 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-Sign consent is reflecting pending status. | Reviewer Comment (2026-07-16): Received E-Sign Consent Agreement document, information validated. Exception Cleared. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | 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 | Non QM | Non QM | No | ||||||||||
| 225854087 | [Redacted] | [Redacted] | 36997374 | 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 [redacted]([redacted]) 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. | Loan Estimate not delivered to Borrower(s) within [redacted]business days of application. | Reviewer Comment (2026-07-16): [redacted] received earliest e-consent. Buyer Comment (2026-07-16): Please see attached which shows that the initial disclosures were sent out on[redacted] . Please clear condition. |
07/16/2026 | No | 1 | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225854093 | [Redacted] | [Redacted] | 36870226 | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Buyer Comment (2026-07-08): on waiver list |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225854093 | [Redacted] | [Redacted] | 36870228 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225854093 | [Redacted] | [Redacted] | 36870229 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225854094 | [Redacted] | [Redacted] | 36878036 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-07-16): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-15): tracking Reviewer Comment (2026-07-14): [redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-07-13): PCCD, LOX, Label and Check |
07/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225854380 | [Redacted] | [Redacted] | 36870516 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee in the Loan Estimate is $[redacted]and the Closing Disclosure reflects $[redacted]. No valid Change of Circumstance (COC) was found in file. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854380 | [Redacted] | [Redacted] | 36870517 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report Fee in the Loan Estimate is $[redacted]and the Closing Disclosure reflects $[redacted]. No valid Change of Circumstance (COC) was found in file. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854381 | [Redacted] | [Redacted] | 36889365 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Lender provided cure at closing for increase in Appraisal fee. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854387 | [Redacted] | [Redacted] | 36871011 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing executed final HUD/Closing Disclosure in file. | Reviewer Comment (2026-07-20): Received Final closing statement. Exception cleared. Buyer Comment (2026-07-16): Please see attached. Reviewer Comment (2026-07-09): The provided document does not contain an issue date; it only reflects the seller's information. Exception Remains. Buyer Comment (2026-07-07): Please see attached final settlment statement to clear condition. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225854393 | [Redacted] | [Redacted] | 36877856 | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property has environmental problems noted by appraiser or visible in the photos | - | Appraiser notes that subject has adverse site condition due to beach erosion. Appraiser notes state that this is typical for the area and periodically mediated. The issue does not appear to have an impact on maketability. | Reviewer Comment (2026-07-08): Cleared. Appraiser notes that the issue does not have an [redacted] on marketability. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854393 | [Redacted] | [Redacted] | 36891220 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-07-08): Cleared. received payment history Buyer Comment (2026-07-08): Please see attahed |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225854400 | [Redacted] | [Redacted] | 36871414 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-10): E-sign Consent Agreement received and verified. Exception cleared Buyer Comment (2026-07-08): E-consent |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854400 | [Redacted] | [Redacted] | 36871456 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854400 | [Redacted] | [Redacted] | 36871457 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854401 | [Redacted] | [Redacted] | 36870989 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] loan Closing Disclosure was not provided in file. | Reviewer Comment (2026-07-17): [redacted] Closing disclosure is provided. Exception cleared. Buyer Comment (2026-07-16): [redacted] CD |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225854401 | [Redacted] | [Redacted] | 36871003 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to [redacted] loan Closing Disclosure missing in file. | Reviewer Comment (2026-07-21): Received CD |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225854401 | [Redacted] | [Redacted] | 36871004 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | ATR failure due to [redacted] loan Closing Disclosure missing in file. | Reviewer Comment (2026-07-21): Received CD |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854401 | [Redacted] | [Redacted] | 36871005 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): Ability to Repay (Dodd-Frank [redacted]): There are [redacted]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.) | ATR failure due to [redacted] loan Closing Disclosure missing in file. | Reviewer Comment (2026-07-21): Cleared. Received CD |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854401 | [Redacted] | [Redacted] | 36871007 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225854401 | [Redacted] | [Redacted] | 36871012 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | [redacted] loan Closing Disclosure was not provided in file. | Reviewer Comment (2026-07-21): Received CD |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225854401 | [Redacted] | [Redacted] | 36871033 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | [redacted] loan Closing Disclosure was not provided in file. | Reviewer Comment (2026-07-21): Received CD |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225854402 | [Redacted] | [Redacted] | 36871221 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC search for business entity is missing. | Reviewer Comment (2026-07-09): Received clear OFAC search for business entity. Exception cleared. Buyer Comment (2026-07-07): OFAC |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225856264 | [Redacted] | [Redacted] | 36872895 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-13): CDA, cleared Buyer Comment (2026-07-10): CDA |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225856966 | [Redacted] | [Redacted] | 36872819 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225857017 | [Redacted] | [Redacted] | 36878146 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Survey Fee on Closing Disclosure is $[redacted]and on Loan Estimate $[redacted]. No valid change circumstance in file. | Reviewer Comment (2026-07-14): [redacted] Received Corrected PCCD and LOE moving fee to section[redacted] . Buyer Comment (2026-07-13): Please see line [redacted] of the sales contract, Survey fee is to be paid by the borrower. Buyer Comment (2026-07-13): PCCD |
07/14/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225857017 | [Redacted] | [Redacted] | 36891244 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing the final HUD from the closing of the Heloc. | Reviewer Comment (2026-07-14): Heloc not required for reserve, Exception Cleared Buyer Comment (2026-07-13): corrected 1008 Buyer Comment (2026-07-13): corrected urla, heloc removed, not needed |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225857292 | [Redacted] | [Redacted] | 36878111 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | HOA Questionnaire Document was not found in loan file. | Reviewer Comment (2026-07-15): Condo documentation has been revalidated. Exception cleared. Buyer Comment (2026-07-13): please see condo cert docs [redacted] pages [redacted] & [redacted] page [redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225857328 | [Redacted] | [Redacted] | 36884748 | 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. | Reviewer Comment (2026-07-10): Undiscounted interest price updated, point and fees are within threshold, exception cleared. Buyer Comment (2026-07-08): LOE |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225857328 | [Redacted] | [Redacted] | 36884749 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [redacted] High-Cost Loan (Points and Fees) | [redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted](an overage of $[redacted] or [redacted]%). Compliant High Cost Loan. | Reviewer Comment (2026-07-10): Undiscounted interest price updated, point and fees are within threshold, exception cleared. Buyer Comment (2026-07-08): LOE |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No obvious cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225857328 | [Redacted] | [Redacted] | 36884752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted]Lien | TRID Final Closing Disclosure[redacted] on a [redacted]lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller closing disclosure not provided. | Reviewer Comment (2026-07-13): [redacted] received seller CD Buyer Comment (2026-07-10): Seller CD |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225857442 | [Redacted] | [Redacted] | 36875703 | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. | Buyer Comment (2026-07-09): waiver list |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225858313 | [Redacted] | [Redacted] | 36878135 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure Document was not found in file. An estimated closing statement was provided. | Reviewer Comment (2026-07-10): Received Final Closing Statement updated values and associated. Exception cleared. Buyer Comment (2026-07-09): final ss |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225860212 | [Redacted] | [Redacted] | 36873654 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225860212 | [Redacted] | [Redacted] | 36892038 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | missing mortgage statement for [redacted] | Reviewer Comment (2026-07-15): Private mortgage Note document available. Exception cleared. Buyer Comment (2026-07-13): please note this is a private mortgage, per doc [redacted] . no mortgage statement required |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225861116 | [Redacted] | [Redacted] | 36878131 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC was not provided for Borrower "Alevtina Andreyevna Vorobey". | Reviewer Comment (2026-07-16): Received the OFAC report for the required borrower party. Exception cleared. Buyer Comment (2026-07-15): OFAC |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225861116 | [Redacted] | [Redacted] | 36878132 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty was not provided in loan file. | Reviewer Comment (2026-07-16): Received the Condo/PUD Warranty. Exception cleared. Buyer Comment (2026-07-15): Warranty |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225861116 | [Redacted] | [Redacted] | 36883775 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided | Please provide signed and dated HOA questionnaire on condo project of subject. Additional requirements may apply. | Reviewer Comment (2026-07-16): Received the HOA Questionnaire and Condo Approval. Exception cleared. Buyer Comment (2026-07-15): [redacted] Approval |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225861931 | [Redacted] | [Redacted] | 36923386 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225862016 | [Redacted] | [Redacted] | 36875221 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee. The fee amount of $[redacted]exceeds the tolerance of $[redacted]. This is $[redacted]over the legal limit. With no valid change of circumstances and no cure was provided to the borrower. | Reviewer Comment (2026-07-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-16): please see attached lox, pccd & check |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225863380 | [Redacted] | [Redacted] | 36878219 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per appraisal, the [redacted]and third units are tenant occupied. However, the lease in the file for unit [redacted]shows it expired on [redacted], and the lease in the file for unit [redacted] shows it expired. Please provide the updated leases for all units. | Reviewer Comment (2026-07-24): As per lease agreement rent is month to month. Exception cleared. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225863380 | [Redacted] | [Redacted] | 36879641 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal has conflicting information. On page 1 of the appraisal, the appraiser indicates property is a [redacted] unit but also states the subject is a [redacted] unit. The appraisal will need to be corrected and show the correct number of units. | Reviewer Comment (2026-07-24): Received updated 1025 with corrected no of units. Exception cleared. Buyer Comment (2026-07-23): revised aprsl upld |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225863380 | [Redacted] | [Redacted] | 36981168 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-07-24): Received updated lease agreement. Exception cleared. Buyer Comment (2026-07-22): Hello, please see updated lease for Unit [redacted] reflecting the rent increased to $[redacted] per month. Tenant signed on [redacted] original lease for this unit was signed by the tenant on [redacted] . Thank you. Reviewer Comment (2026-07-17): Discrepancy of Rent for Unit [redacted] as lease agreement has $[redacted] whereas 1025 reflects $[redacted] . Provide supporting documentation for rent $[redacted] . Exception remains Buyer Comment (2026-07-15): Hello, please see attached rebuttal for DSCR discrep. Thank you! |
07/24/2026 | No | 1 | A | A | A | A | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225863382 | [Redacted] | [Redacted] | 36884256 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final HUD. Only Estimated HUDs were provided. | Reviewer Comment (2026-07-14): Final settlement statement, cleared Buyer Comment (2026-07-13): please see attached final settlement statement |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225863383 | [Redacted] | [Redacted] | 36895495 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-07-16): Cash flow Analysis is provided in file. Exception Cleared. Buyer Comment (2026-07-14): There is no date that generated on our internal calculators. Reviewer Comment (2026-07-13): Document Date not provided in Cash Flow Analysis, Exception Remains. Buyer Comment (2026-07-13): see screen shot of doc located in your documents. Reviewer Comment (2026-07-13): A Complete a Cash Flow Analysis utilizing the [redacted] Expanded Business Asset Cash Flow Worksheet is not located in the file. Buyer Comment (2026-07-09): See [redacted] this is the cash flow |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864873 | [Redacted] | [Redacted] | 36884322 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower has insufficient credit as required per lender guides. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. The qualifying DSCR on the loan is greater than the guideline minimum. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-07-09): Client elects to waive with compensating factors. Buyer Comment (2026-07-07): exception |
07/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225864878 | [Redacted] | [Redacted] | 36878289 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | No evidence of Employer Identification Number (EIN) available in file. | Reviewer Comment (2026-07-13): Employer Identification Number (EIN), cleared Buyer Comment (2026-07-10): EIN letter |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225864878 | [Redacted] | [Redacted] | 36878290 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Driver License/Passport or any other Verification of Identification is required from borrower to mitigate this exception. | Reviewer Comment (2026-07-13): Patriot Act form with DL information, cleared Buyer Comment (2026-07-10): [redacted] is the POA LOE Buyer Comment (2026-07-10): Patriot form for [redacted] . [redacted] used a POA, so there's no patriot form for him. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225864878 | [Redacted] | [Redacted] | 36884832 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN and error on [redacted] Search Report due to name/SSN mismatch, please provide updated ADV report with valid search report for each guarantors: [redacted] and [redacted]. | Reviewer Comment (2026-07-20): Red flag condition for SSN has been cleared on the latest fraud report dated [redacted] . Exception cleared. Buyer Comment (2026-07-16): SSN verifications, the ssn conditions are cleared on the fraud report you have on page [redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225864878 | [Redacted] | [Redacted] | 36884899 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Please provide additional consecutive months of assets to support reserve and closing funds on purchase transaction. Additional requirement may apply. Provide evidence of relationship with joint account holders in chase and [redacted]accounts. The file does not contain an access letter from the additional account holder for the [redacted]and[redacted] accounts. Usability set at [redacted]%. | Reviewer Comment (2026-07-20): can use [redacted] % on personal account Buyer Comment (2026-07-16): The relationship is irrelevant, all account holders have full access to the funds on a personal account. Please escalate this condition or clear. Reviewer Comment (2026-07-13): Provide evidence of relationship with joint account holders in chase and [redacted] accounts and ability to access funds from those accounts. Buyer Comment (2026-07-10): Both the [redacted] and [redacted] accounts are personal accounts. The borrower's have access to [redacted] % of the funds. We'd only need an access letter if it were a business account. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225864878 | [Redacted] | [Redacted] | 36884902 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide additional consecutive months of assets to support reserve and closing funds on purchase transaction. Additional requirement may apply. Provide evidence of relationship with joint account holders in [redacted] and [redacted]accounts. | Reviewer Comment (2026-07-20): can use [redacted] % on personal account Reviewer Comment (2026-07-13): Provide evidence of relationship with joint account holders in chase and [redacted] accounts and ability to access funds from those accounts. Buyer Comment (2026-07-10): Both accounts are personal accounts. No access letter is needed since all account holders have access to [redacted] % of the funds. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225864879 | [Redacted] | [Redacted] | 36884634 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted]month mortgage pay history for the subject property. | Reviewer Comment (2026-07-15): Revalidated data from credit supplement. Exception Cleared. Buyer Comment (2026-07-13): please see credit report supplement doc [redacted] showing payment history showing current and no delinquencies |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225864900 | [Redacted] | [Redacted] | 36895106 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Purchase transaction and Deed transferring ownership was not found in the file. | Reviewer Comment (2026-07-15): Received Warranty Deed. Exception cleared. Buyer Comment (2026-07-13): warranty deed |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CT | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864900 | [Redacted] | [Redacted] | 36896140 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent document was not located in the file. | Reviewer Comment (2026-07-15): Received E-Sign consent. Exception cleared. Buyer Comment (2026-07-13): econsent |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864902 | [Redacted] | [Redacted] | 36883830 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of taxpayer consent is missing, and taxpayer documentation is present. | Reviewer Comment (2026-07-16): Final 1003 can be used as alternative document for the evidence of taxpayer consent. Exception Cleared. Buyer Comment (2026-07-14): Please see attached. |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864902 | [Redacted] | [Redacted] | 36895654 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN due to name/SSN mismatch, please provide updated ADV report with valid search report for guarantor. | Reviewer Comment (2026-07-16): Received updated fraud report with the cleared comment and [redacted] is also provided in the file. Exception Cleared. Buyer Comment (2026-07-14): Please see fraud report with the SSN cleared. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864903 | [Redacted] | [Redacted] | 36887110 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing from the file for the properties #[redacted], #[redacted], #[redacted], #[redacted], #[redacted], #[redacted], #[redacted]. | Reviewer Comment (2026-07-16): Received all Closing Disclosure and Note documents, which have been associated as Mortgage Statement. Exception cleared. Buyer Comment (2026-07-15): note's & cd's for all properties upld |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225864912 | [Redacted] | [Redacted] | 36887116 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document issue date is missing on the third party verfication for [redacted][redacted]. | Reviewer Comment (2026-07-22): Provided Business Entity Listing with document date. Exception cleared. Buyer Comment (2026-07-20): Rebuttal with screen shots of pulled/received date |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864912 | [Redacted] | [Redacted] | 36887118 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failed due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-07-22): Provided Business Entity Listing with document date. Exception cleared. |
07/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864912 | [Redacted] | [Redacted] | 36887119 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted]or more guideline components which could impact the borrower's ability to repay. | This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-07-22): Provided Business Entity Listing with document date. Exception cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864914 | [Redacted] | [Redacted] | 36885896 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-15): Received Final Title policy document with valid policy amount, Exception Cleared. |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225864914 | [Redacted] | [Redacted] | 36885917 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-15): Received Final Title policy document with valid policy amount, Exception Cleared. Buyer Comment (2026-07-13): title |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225864914 | [Redacted] | [Redacted] | 36885999 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 were last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor evidence of a cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-22): [redacted] received a valid COC. Buyer Comment (2026-07-21): COC |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864915 | [Redacted] | [Redacted] | 36885319 | 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 [redacted]([redacted]) 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. | Loan Estimate not delivered to Borrower(s) within [redacted]([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without obtaining or prior to obtaining borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide a timely Good Faith Estimate of fees may result in additional fee tolerance violations. | Reviewer Comment (2026-07-28): [redacted] Received earliest E-Consent dated [redacted] Buyer Comment (2026-07-27): Please see attached. Reviewer Comment (2026-07-23): [redacted] received disclosures summary. However, The consumer went through the eConsent process on [redacted] , the consumer acknowledged the receipt of the LE on[redacted] . But the loan application date was [redacted] . In the event the consumer had not provided eConsent by [redacted] , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted] . Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-07-22): Please see attached |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864916 | [Redacted] | [Redacted] | 36878384 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Unable to determine discrepancy. File is missing the [redacted]. | Reviewer Comment (2026-07-30): Bid tape corrected. DTI within tolerance. Exception cleared. Buyer Comment (2026-07-28): Bid tape corrected, please clear Reviewer Comment (2026-07-15): Received updated 1003 and 1008. There is a discrepancy is in the bid tape. The bid tape DTI is [redacted] % however due diligence and 1008 reflect [redacted] %. An updated Bid tape would be required to address a data discrepancy with the bid tape. Exception remains Buyer Comment (2026-07-14): Corrected URLA and 1008 |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225864916 | [Redacted] | [Redacted] | 36878385 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation mismatch due to DTI issue. | Reviewer Comment (2026-07-30): Bid tape corrected. DTI within tolerance. Exception cleared. |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225864916 | [Redacted] | [Redacted] | 36878386 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet [redacted]or more guideline components which could impact the borrower's ability to repay. | Unable to determine discrepancy. File is missing the [redacted]. | Reviewer Comment (2026-07-30): Bid tape corrected. DTI within tolerance. Exception cleared. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225864928 | [Redacted] | [Redacted] | 36878200 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-20): UCDP Submission Summary report received. UCDP score updated and its [redacted] secondary valuation not needed. Exception cleared. Buyer Comment (2026-07-16): Not required as score is [redacted] |
07/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225864928 | [Redacted] | [Redacted] | 36878201 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-20): E-sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-07-16): eConsent |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225864928 | [Redacted] | [Redacted] | 36878203 | 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 [redacted]([redacted]) business days from transaction date of [redacted]. | Date variance is due to TIL date being crossed out and then handwritten as [redacted]. | Reviewer Comment (2026-07-20): Disbursement date updated. Exception cleared. Buyer Comment (2026-07-16): Disbursed after [redacted] day period |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225865283 | [Redacted] | [Redacted] | 36904432 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on 1008 for landlord waiver and payment ledger for current VOR, however the lender exception form was not found in the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to waive with compensating factors. Reviewer Comment (2026-07-13): Received lender exception approval for applicant rents form a professional management company, a fully completed signed VOR is required. Professional management company will not complete the VOR but only provided a ledger. Buyer Comment (2026-07-09): exception |
07/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225865283 | [Redacted] | [Redacted] | 36960236 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for landlord history waiver as borrower is few weeks shy of a full [redacted]months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to waive with compensating factors. |
07/13/2026 | Yes | 2 | B | B | B | B | B | TN | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225865366 | [Redacted] | [Redacted] | 36878399 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Requested: Exception requested for a loan in the [redacted] We are submitting this for an exception due to [redacted] non-warrantable features. 1. This is a Condotel. 2. Condotel has [redacted]% commercial space. 3. Excessive single entity ownership at [redacted]%. 4. Budget does not have reserves. 5. Project is only [redacted]% pre-sold. 6. The unit owners do not have sole ownership interest in and the right to use the amenities and common areas. Hotel and developer have ownership interest in and rights to use the project amenities and common areas. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-08): Pre approved exception |
07/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||
| 225865366 | [Redacted] | [Redacted] | 36904969 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided | Appraiser to provide rent comparison report on subject as required by guideline for investment properties. Additional requirement may apply. | Reviewer Comment (2026-07-13): Rental income not used to qualify. Buyer Comment (2026-07-09): We aren't using rental income so the 1007 rent schedule is not required |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225865474 | [Redacted] | [Redacted] | 36878552 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to funds is missing for Account No.#[redacted] | Reviewer Comment (2026-07-29): Received CPA letter as evidence of access to funds. Exception cleared. Buyer Comment (2026-07-27): CPA letter |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225866044 | [Redacted] | [Redacted] | 36878628 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement for [redacted] was not found in file. | Reviewer Comment (2026-07-29): Received the Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-27): Please see attached CD |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225866044 | [Redacted] | [Redacted] | 36878631 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement for [redacted] was not found in file. | Reviewer Comment (2026-07-29): Received the Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-27): Please see attached CD |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225866044 | [Redacted] | [Redacted] | 36878632 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement and Tax Verification were not found in file. | Reviewer Comment (2026-07-29): Received the Closing Disclosure, PITIA has been verified. Exception cleared. Buyer Comment (2026-07-27): Please see attached CD |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225866044 | [Redacted] | [Redacted] | 36905412 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | Guidelines require a letter of explanation for derogatory credit that is in the preceding [redacted]months prior to the loan. | Reviewer Comment (2026-07-29): Borrower provided a Letter of Explanation (LOX) for the [redacted] -day late payment that occurred within [redacted] months prior to the note date and the guideline requirements have been satisfied. Exception cleared. Buyer Comment (2026-07-27): Please see the LOE provided found in [redacted] . Please note, borrower only has [redacted] late payment in the past [redacted] months. Buyer Comment (2026-07-27): Please see the LOE provided found in [redacted] |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225866044 | [Redacted] | [Redacted] | 36905432 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Guidelines require a letter of explanation for derogatory credit that is in the preceding [redacted]months prior to the loan. | Reviewer Comment (2026-07-29): Borrower provided a Letter of Explanation (LOX) for the [redacted] -day late payment that occurred within [redacted] months prior to the note date and the guideline requirements have been satisfied. Exception cleared. Buyer Comment (2026-07-27): Please see the LOE provided found in [redacted] . Please note, borrower only has [redacted] late payment in the past [redacted] months. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225866300 | [Redacted] | [Redacted] | 36906736 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted]month mortgage payment history on both mortgages for the subject property. | Reviewer Comment (2026-07-30): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-07-23): No payments |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225866300 | [Redacted] | [Redacted] | 36906773 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The minimum fico for [redacted]% cash out is [redacted]. Borrower has insufficient score to meet guides. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-07-22): Lender exception with comp factor. Score is [redacted] under the [redacted] required LTV is at [redacted] % Buyer Comment (2026-07-20): Exception |
07/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 225866984 | [Redacted] | [Redacted] | 36916743 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Lender Exception approved for Non-Warrantable Condo. Conditioned for DSCR >= [redacted], Max LTV/CLTV [redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to waive with compensating factors. Buyer Comment (2026-07-09): is this informational or something needed for this? |
07/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | SC | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 225867769 | [Redacted] | [Redacted] | 36885162 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance document is missing for[redacted]. | Reviewer Comment (2026-07-17): Borrower doesn't own this property. Exception cleared. Buyer Comment (2026-07-15): please note property [redacted] it is not in our borrower's name per mtg stmt doc [redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225868031 | [Redacted] | [Redacted] | 36886415 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non-escrowed Property Costs over Year [redacted] were not provided on final CD. | Reviewer Comment (2026-07-22): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-21): PCCD with letter |
07/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225868031 | [Redacted] | [Redacted] | 36886416 | 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 [redacted]([redacted]) business days from transaction date of [redacted]. | ate variance is due to note date being crossed out on TIL and handwritten as [redacted]. | Reviewer Comment (2026-07-23): ALTA Settlement Statement provided with updated disbursement date. Exception cleared. Buyer Comment (2026-07-22): Disbursed[redacted] |
07/23/2026 | 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 | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225868042 | [Redacted] | [Redacted] | 36958557 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225870886 | [Redacted] | [Redacted] | 36887707 | 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 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance charge disclosed as $[redacted] vs actual amount of $[redacted]. Variance of $[redacted]caused by Title / Tax certificate fee not being disclosed on initial LE. | Reviewer Comment (2026-07-16): [redacted] received LOE. Buyer Comment (2026-07-15): Please see attached. Reviewer Comment (2026-07-14): [redacted] received rebuttal on finance charge calculation. It appears lender did not include the Title-Tax Certificate fee of $[redacted] . While one-time tax cert prior to closing is NOT a finance charge, life of loan tax service is a finance charge. There is only one tax cert fee on the CD, and we are unable to determine if this charge includes life of loan tax service, therefore, the entire amount is included as a finance charge. If tax cert fee does not include life of loan tax service and is only for one time upfront tax service, please provide invoice or attestation noting the fee as a [redacted] e fee or a life of loan fee in order to determine if any portion of the fee is excludable from finance charges. Buyer Comment (2026-07-13): The Title Tax Certificate Fee was added to the Initial Closing Disclosure on [redacted] after the fee information was received from the title company. This fee is subject to change and was properly disclosed to the borrower in accordance with applicable disclosure requirements. Therefore, the fee was accurately reflected once the final amount became available. Please clear this condition. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225871712 | [Redacted] | [Redacted] | 36885056 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Closing statement is not provided to verify Proceeds. | Reviewer Comment (2026-07-15): Per the updated 1003, proceeds from secured loan are not considered for asset verification. Exception Cleared Buyer Comment (2026-07-14): updated urla, loan not needed Buyer Comment (2026-07-14): Updated 1008, loan not needed |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225871712 | [Redacted] | [Redacted] | 36885175 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank [redacted]): Unable to verify assets using reasonably reliable third-party records. | ATR failure due to inability to verify proceeds from secured loan. | Reviewer Comment (2026-07-15): Per the updated 1003, proceeds from secured loan are not considered for asset verification. Exception Cleared |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225871712 | [Redacted] | [Redacted] | 36885176 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | ATR failure due to inability to verify proceeds from secured loan. | Reviewer Comment (2026-07-15): Per the updated 1003, proceeds from secured loan are not considered for asset verification. Exception Cleared |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225871712 | [Redacted] | [Redacted] | 36885189 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to inability to verify proceeds from secured loan causing loan designation mismatch. | Reviewer Comment (2026-07-15): Per the updated 1003, proceeds from secured loan are not considered for asset verification. Exception Cleared |
07/15/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225871712 | [Redacted] | [Redacted] | 36885190 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | ATR failure due to inability to verify proceeds from secured loan. | Reviewer Comment (2026-07-15): Per the updated 1003, proceeds from secured loan are not considered for asset verification. Exception Cleared |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225871722 | [Redacted] | [Redacted] | 36886499 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | The appraisal disclosed that the property was listed for sale within the last [redacted] months. Please provide a letter of explanation disclosing the reason the property was listed. | Reviewer Comment (2026-07-14): Title commitment indicates the property was sold within the last [redacted] months. Exception Cleared. Buyer Comment (2026-07-10): The home was sold to the borrower on [redacted] . which is within [redacted] months. See title commitment |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225871722 | [Redacted] | [Redacted] | 36886526 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved for a $[redacted] exception to the loan amount, as the guideline minimum is $[redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | SitusAMC | Reviewer Comment (2026-07-09): Exception approved for low loan amount. |
07/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| 225872733 | [Redacted] | [Redacted] | 36887537 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Survey Fee on Closing Disclosure is $[redacted] and on Loan Estimate $[redacted]. No valid change circumstance in file. | Reviewer Comment (2026-07-14): [redacted] received PCCD, LOE and attestation Buyer Comment (2026-07-10): PCCD, LOX & email |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225872733 | [Redacted] | [Redacted] | 36917655 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of [redacted] is [redacted] than minimum guideline requirement of [redacted]. The 1008 indicates tthat htere is a lender exception however, the exception approval document is not in the file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-14): Client elects to waive with compensating factors. Reviewer Comment (2026-07-14): Lender exception approval provided to per mis a [redacted] credit score. Buyer Comment (2026-07-10): exception |
07/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225872733 | [Redacted] | [Redacted] | 36918899 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted] -month housing history is not located in the file. | Reviewer Comment (2026-07-14): Per client, verificationof rent is at UW discretion per guides. Buyer Comment (2026-07-10): verification of rent is UW discretion per Rental History section of the guidelines. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872733 | [Redacted] | [Redacted] | 36970060 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for insufficient tradelines. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted] Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-14): Client elects to waive with compensating factors. |
07/14/2026 | Yes | 2 | B | B | B | B | B | OH | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225872737 | [Redacted] | [Redacted] | 36888321 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement for second lien is missing in file. | Reviewer Comment (2026-07-28): Received mortgage statement. Exception cleared. Buyer Comment (2026-07-24): Statement |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225872737 | [Redacted] | [Redacted] | 36888331 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer tax fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225872740 | [Redacted] | [Redacted] | 36888586 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date is missing on the CPA letter | Reviewer Comment (2026-07-31): Cleaered. Receceved documentation confirming date that CPA letter was provided from the borrower to the lender. Reviewer Comment (2026-07-24): A dated CPA letter is required. Buyer Comment (2026-07-22): please see attached screen shot of borrower uploaded CPA letter they received from Accountant Reviewer Comment (2026-07-21): CPA letter is missing the document date. The provided screenshot only confirms receipt by [redacted] and does not indicate the date the CPA letter was prepared. Please provide a dated CPA letter. Exception remains. Buyer Comment (2026-07-17): please review again. per screen shot uploaded, doc [redacted] , CPA letter was received by [redacted] on [redacted] - within [redacted] days of the [redacted] closing date Reviewer Comment (2026-07-17): CPA letter does not have document date. Required CPA letter with the document date. Exception Remains. Buyer Comment (2026-07-15): please see attached showing cpa letter was received on [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225872750 | [Redacted] | [Redacted] | 36889487 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal Fee disclosed as $[redacted]on initial LE and as $[redacted] on final CD. No valid change of circumstance found in file and the cure provided at closing of $[redacted] was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-07-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-20): PCCD |
07/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225872750 | [Redacted] | [Redacted] | 36889488 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal review fee was disclosed as $[redacted] and then changed on the final CD to $[redacted]. No valid change of circumstance found in file and the cure provided at closing of $[redacted]was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-07-15): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-07-14): Cured at closing in section [redacted]. $[redacted] (State Tax) + $[redacted] (credit report fee) + [redacted] (appraisal review fee) = $[redacted] . The $[redacted] covers that. |
07/15/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225872750 | [Redacted] | [Redacted] | 36889489 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee increased to $[redacted] without a valid change of circumstance and the cure provided at closing of $[redacted]was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-07-15): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-07-14): Cured at closing in section [redacted]. $[redacted] (State Tax) + $[redacted] (credit report fee) + [redacted] (appraisal review fee) = $[redacted] . The $[redacted] covers that. |
07/15/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225872750 | [Redacted] | [Redacted] | 36889490 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer tax fee was disclosed as $[redacted] and then changed on the final CD to $[redacted]. No valid change of circumstance found in file and the cure provided at closing of $[redacted]was not sufficient to cure all of the tolerance issues. | Reviewer Comment (2026-07-15): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-07-14): Cured at closing in section [redacted]. $[redacted] (State Tax) + $[redacted] (credit report fee) + [redacted] (appraisal review fee) = $[redacted] . The $[redacted] covers that. |
07/15/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225872750 | [Redacted] | [Redacted] | 36923559 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Property is zoned agricultural and consists of [redacted]. Guidelines indicate the maximum acreage allowed is [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-16): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-14): exception |
07/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225872757 | [Redacted] | [Redacted] | 36895677 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225872762 | [Redacted] | [Redacted] | 36888056 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing. | Reviewer Comment (2026-07-14): Consent available in 1003, exception cleared. Buyer Comment (2026-07-10): This is now listed on the 1003. its on page [redacted] is the verbiage |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872763 | [Redacted] | [Redacted] | 36888596 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-17): Final title policy received and associated, exception cleared |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225872763 | [Redacted] | [Redacted] | 36888602 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-17): Final Title policy received with coverage amount, exception cleared Buyer Comment (2026-07-15): please see attached Final Title Policy |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225872763 | [Redacted] | [Redacted] | 36888898 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Loan discount points in Loan Estimate is $[redacted]and Closing Disclosure reflects $[redacted]. No valid COC in file. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225872763 | [Redacted] | [Redacted] | 36888899 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee in Loan Estimate is $[redacted]and Closing Disclosure reflects $[redacted]. No valid COC in file. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225872763 | [Redacted] | [Redacted] | 36888900 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee in Loan Estimate is $[redacted]and Closing Disclosure reflects $[redacted]. No valid COC in file. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225872767 | [Redacted] | [Redacted] | 36887679 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception as per 1008 - [redacted] history with [redacted] than [redacted] years [redacted]. [redacted] has been [redacted]. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-09): Preapproved exception |
07/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| 225872767 | [Redacted] | [Redacted] | 36887681 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not provided. | Reviewer Comment (2026-07-17): E-sign Consent Agreement received, Exception cleared. Buyer Comment (2026-07-16): econsent and proof disclosures were also sent regular mail upld |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225872767 | [Redacted] | [Redacted] | 36887686 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-07-17): Received Hazard insurance document, Exception cleared. Buyer Comment (2026-07-16): hoi upld |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872767 | [Redacted] | [Redacted] | 36923796 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The guideline required all properties to be protected against loss or damage. | Reviewer Comment (2026-07-20): Hazard insurance received & updated. Exception cleared. Buyer Comment (2026-07-16): please clarify what you are needing |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872767 | [Redacted] | [Redacted] | 37015011 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-07-21): [redacted] received disclosure summary for the Initial disclosures are sent via by [redacted] mail on [redacted] . Buyer Comment (2026-07-20): proof initial disclosures were also sent regular mail was provided on [redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225872771 | [Redacted] | [Redacted] | 36888848 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in file. | Reviewer Comment (2026-07-31): Received Hazard Insurance Policy is verified and associated. Exception cleared. Buyer Comment (2026-07-29): Document found in Acuity in [redacted] , Please note: policy shows [redacted] % increased coverage thereby making Coverage A a total of $[redacted] . RCE provided in same document folder supporting sufficient coverage. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872771 | [Redacted] | [Redacted] | 36888876 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | ARM Disclosure dated [redacted] is not within [redacted] days of application [redacted]. | Reviewer Comment (2026-07-31): Received ARM disclosure is verified and associated. Exception cleared. Buyer Comment (2026-07-29): Please see attached ARM Disclosure sent to borrower on [redacted] and e-signed by borrower on same date |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225872771 | [Redacted] | [Redacted] | 36924794 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower's business had only been in existence for approx. [redacted] months at the time the loan closed. Guidelines require a minimum of [redacted] yrs self-employment or self-employed for between [redacted] and [redacted] yrs, evidence they were previously employed in the same line of work for at least [redacted] yrs. There is no additional information regarding prior employment in file and regardless, the borrower has not been self-employed at least [redacted] months. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-31): Client elects to waive wtih compensating factors. Reviewer Comment (2026-07-31): Received lender exception approval to allow self-employment history of [redacted] months vs guideline of [redacted] months. Buyer Comment (2026-07-29): Please see attached Exception. Regarding previous history please see VOE in [redacted] . Exception requires [redacted] months income on bank statements which is provided. |
07/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225872772 | [Redacted] | [Redacted] | 36888079 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Both of the Notes in file are dated [redacted] which is more than a month before the date of the final Closing Disclosure in file. | Reviewer Comment (2026-07-22): Corrected set of note received and verified. Exception cleared. Buyer Comment (2026-07-20): Note |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | A | A | D | A | A | A | Non QM | Non QM | No | |||||||||||
| 225872772 | [Redacted] | [Redacted] | 36888093 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted]% tolerance was exceeded by $[redacted] due to the addition of a Recording Fee. No valid COC was provided; cure was provided at closing. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | D | A | A | A | D | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225872772 | [Redacted] | [Redacted] | 36888094 | Compliance | Compliance | Federal Compliance | State Late Charge | (Missing Data) Late Charge | Late Charge Type was not provided. Any applicable Federal, State or Local compliance testing is unreliable. | Subject lien Note is missing. | Reviewer Comment (2026-07-22): Late charge details updated from received note set. Exception cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | A | A | A | D | A | A | A | Non QM | Non QM | No | ||||||||||
| 225873046 | [Redacted] | [Redacted] | 36925096 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The original VVOE dated[redacted]for the borrower is not located in the file. | Reviewer Comment (2026-07-17): Document provided Buyer Comment (2026-07-15): please see prior voes docs [redacted] & [redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225873048 | [Redacted] | [Redacted] | 36889239 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Investment | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | Non QM | Yes | ||||||||||
| 225873122 | [Redacted] | [Redacted] | 36902385 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Reviewer Comment (2026-07-20): Employer Identification Number (EIN), cleared Buyer Comment (2026-07-20): LLC Documents |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | |||||||||||||||
| 225873122 | [Redacted] | [Redacted] | 36902386 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-07-20): Operating Agreement, cleared Buyer Comment (2026-07-20): See LLC docs |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | |||||||||||||||
| 225873122 | [Redacted] | [Redacted] | 36902394 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a [redacted] level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | EV2 exception is for informational purposes only. Lender may waive. | Buyer Comment (2026-07-20): Waived |
07/20/2026 | No | 2 | A | A | A | A | A | A | A | A | B | B | CT | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | |||||||||||||
| 225873122 | [Redacted] | [Redacted] | 36902404 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-07-23): Cleared. Received complete Articles of Organizaiton Buyer Comment (2026-07-22): Review |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | |||||||||||||||
| 225873122 | [Redacted] | [Redacted] | 36922685 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization was not found in the file. | Reviewer Comment (2026-07-23): Articles of Organization were not received only a document stating that they were filed Buyer Comment (2026-07-20): See LLC docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | N/A | No | ||||||||||||||
| 225873127 | [Redacted] | [Redacted] | 36891606 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Primary housing expense is $[redacted]according to source document; however, Lender considered it as $[redacted], resulting in DTI discrepancy. | Reviewer Comment (2026-07-31): Received updated 1008 and bid tape. Cleared. Reviewer Comment (2026-07-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted] %; Bid Tape Investor Qualifying Total Debt Ratio: [redacted] %. Buyer Comment (2026-07-30): please recheck the bid tape, i was told it was updated to DTI [redacted] Reviewer Comment (2026-07-17): Received updated 1003 and 1008. There is a discrepancy is in the bid tape. The bid tape DTI is [redacted] %. however, due diligence and 1008 reflect [redacted] %. An updated Bid tape would be required to address a data discrepancy with the bid tape. Exception remains Buyer Comment (2026-07-16): please see attached revised 1008 & 1003 for updated primary piti amount. DTI now [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225873128 | [Redacted] | [Redacted] | 36900957 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. [redacted]. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes. Unable to determine qualification without this information. | - | Answered Yes for question "Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?" Documentation for the new credit is required. | Reviewer Comment (2026-08-04): Explanation received from lender, as per loan quality debt monitoring no new debt was opened as of closing. Exception cleared. Buyer Comment (2026-07-31): [redacted] Provided proof there have been no new open debt up until closing. Just because an applicant applied for a card doesn't mean she opened the account or it may have been opened after closing as to which we have no control over. We have done our due diligence to show no new debt has been obtained. We cannot provide evidence of an account that does is not reporting. Reviewer Comment (2026-07-30): As per provided screen print, Borrower applied for a [redacted] credit card that is not reflected on the credit report. Provide the most recent credit card statement if the account has been opened, or a Borrower signed Letter of Explanation confirming the account was not opened. Exception remains. Buyer Comment (2026-07-28): Please see attached Screen print borrower was planning on applying for [redacted] to obtain miles. [redacted] s uses [redacted] for their cards and Per the debt monitoring [redacted] the borrower has no inquiries for [redacted] or any other entity prior to closing. Therefore she either didn't end up applying, applied under her business name or applied after closing which we have no control over. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225873128 | [Redacted] | [Redacted] | 36900966 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification Of Tax Return Fee disclosed as $[redacted] on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): [redacted] received Valid COC dated [redacted] Buyer Comment (2026-07-28): Please see attached screen shot of program change verification and COC |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225873183 | [Redacted] | [Redacted] | 36896931 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI Discrepancy due lender using rental loss of -$[redacted] for property located at [redacted]. However, no lease agreement or documentation was provided to verify the rental income. Therefore [redacted]. | Reviewer Comment (2026-07-14): Taxes and Insurance for Reo property corrected. DTI within guideline limit. Exception cleared. Buyer Comment (2026-07-10): The borrower is [redacted] owner. He is on title only so only hit for part of the debt. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225873466 | [Redacted] | [Redacted] | 36891747 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is missing. | Reviewer Comment (2026-07-22): Evidence of Taxpayer Consent received in file. Exception Cleared. Buyer Comment (2026-07-20): Included in the borrowers authorization |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225873466 | [Redacted] | [Redacted] | 36891816 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The file is missing listing agreement and appraisal/AVM confirming equity for departure residence on [redacted]. Documentation required to exclude property expenses from DTI calculation was not provide and with property expenses included, the calculated investor qualifying total debt ratio of [redacted]% exceeds the guideline total debt ratio of [redacted]%. | Reviewer Comment (2026-07-22): Received Appraisal and Listing document in file for departing residence. Exception Cleared. Buyer Comment (2026-07-20): Appraisal and listing |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225873466 | [Redacted] | [Redacted] | 36891817 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The file is missing listing agreement and appraisal/AVM confirming equity for departure residence on [redacted]. Documentation required to exclude property expenses from DTI calculation was not provide and with property expenses included, the calculated investor qualifying total debt ratio of [redacted]% exceeds the guideline total debt ratio of [redacted]%. | Reviewer Comment (2026-07-22): Received Appraisal and Listing agreement for Departing Residence. Exception Cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225873466 | [Redacted] | [Redacted] | 36891824 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation discrepancy is due to excess DTI. The file is missing listing agreement and appraisal/AVM confirming equity for departure residence on [redacted] Documentation required to exclude property expenses from DTI calculation was not provide and with property expenses included, the calculated investor qualifying total debt ratio of [redacted]% exceeds the guideline total debt ratio of [redacted]%. | Reviewer Comment (2026-07-22): Received Appraisal and Listing agreement for Departing Residence. Exception Cleared. |
07/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225873466 | [Redacted] | [Redacted] | 36891825 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | The file is missing listing agreement and appraisal/AVM confirming equity for departure residence on [redacted]. Documentation required to exclude property expenses from DTI calculation was not provide and with property expenses included, the calculated investor qualifying total debt ratio of [redacted]% exceeds the guideline total debt ratio of [redacted]%. | Reviewer Comment (2026-07-22): Received Appraisal and Listing agreement for Departing Residence. Exception Cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225873466 | [Redacted] | [Redacted] | 36891826 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The file is missing listing agreement and appraisal/AVM confirming equity for departure residence on [redacted]. Documentation required to exclude property expenses from DTI calculation was not provide and with property expenses included, the calculated investor qualifying total debt ratio of [redacted]% exceeds the guideline total debt ratio of [redacted]%. | Reviewer Comment (2026-07-22): Received Appraisal and Listing agreement for Departing Residence. Exception Cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225873490 | [Redacted] | [Redacted] | 36900212 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the HOA dues documentation for this property. Please provide for review. | Reviewer Comment (2026-07-17): Received HOA verification, Exception Cleared Buyer Comment (2026-07-15): please see HOA doc [redacted] $[redacted] monthy hoa + $[redacted] quarterly fee = $[redacted] ($[redacted] / [redacted] = $[redacted] ) |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225873534 | [Redacted] | [Redacted] | 36900845 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225873534 | [Redacted] | [Redacted] | 36900846 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Taxpayer Identification Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-07): Sufficient Cure Provided At Closing |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225873538 | [Redacted] | [Redacted] | 36901089 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Total fee tolerance amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225873538 | [Redacted] | [Redacted] | 36901090 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225873558 | [Redacted] | [Redacted] | 36902361 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for landlord history noted on the 1008, however the exception form was not found in the file. | Reviewer Comment (2026-07-14): Received Lender exception for landlord history. Exception Cleared. Buyer Comment (2026-07-10): exception |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225873567 | [Redacted] | [Redacted] | 36900999 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan [redacted] Test | TILA HPML appraisal Rule (Dodd-Frank 2014): [redacted] requirements not satisfied. | Reviewer Comment (2026-07-22): Evidence of appraisal delivery is already provided in file. Exception cleared. Buyer Comment (2026-07-20): please see doc [redacted] for proof of appraisal receipt on [redacted] Reviewer Comment (2026-07-17): Appraisal report dated [redacted] receipt is required within [redacted] days prior to closing. Exception remains. Buyer Comment (2026-07-16): please clarify, appraisal doc [redacted] and CDA report doc [redacted] |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225873842 | [Redacted] | [Redacted] | 36902469 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Third-party verification provided is not dated. Unable to verify if verification was done within [redacted] days of closing. | Reviewer Comment (2026-07-22): Client redesignated to QM Buyer Comment (2026-07-20): please redesignate to QM Reviewer Comment (2026-07-20): Provided business search is dated after closing, please provide evidence of when the business search before closing was performed. Buyer Comment (2026-07-16): dated business search upld |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225873842 | [Redacted] | [Redacted] | 36902470 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-20): hoi received. Buyer Comment (2026-07-16): hoi upld |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||
| 225873842 | [Redacted] | [Redacted] | 36902506 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation failure due to no date on third-party verification. | Reviewer Comment (2026-07-22): Client redesignated to QM Buyer Comment (2026-07-20): please redesignate to QM Reviewer Comment (2026-07-20): Provided business search is dated after closing, please provide evidence of when the business search before closing was performed. Buyer Comment (2026-07-16): dated business search upld to trl docs |
07/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225873842 | [Redacted] | [Redacted] | 36902507 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | ATR failure due to no date on third-party verification. | Reviewer Comment (2026-07-22): Client redesignated to QM Buyer Comment (2026-07-20): please redesignate to QM Reviewer Comment (2026-07-20): Provided business search is dated after closing, please provide evidence of when the business search before closing was performed. Buyer Comment (2026-07-16): dated business search upld to trl docs |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225873842 | [Redacted] | [Redacted] | 36902508 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted]or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted]or more consecutive months bank statements. | Reviewer Comment (2026-07-22): Client redesignated to QM |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225873842 | [Redacted] | [Redacted] | 36902510 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||
| 225873842 | [Redacted] | [Redacted] | 36925671 | 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 {redacted] ([redacted]) 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. | Reviewer Comment (2026-07-21): [redacted] received disclosures summary, LE was sent via regular mail. Buyer Comment (2026-07-20): proof disclosures were also sent regular mail [redacted] was provided on [redacted] Reviewer Comment (2026-07-17): The consumer went through the eConsent process on [redacted] , the consumer acknowledged the receipt of the LE on [redacted] . But the loan application date was [redacted] . In the event the consumer had not provided eConsent by [redacted] , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted] . Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-07-16): econsent and proof disclosures were also sent regular mail upld |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225873842 | [Redacted] | [Redacted] | 37041786 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require [redacted] or more Months | General QM: Guidelines require [redacted] or more consecutive months bank statements. | Reviewer Comment (2026-07-22): [redacted] month statement provided |
07/22/2026 | No | 1 | A | A | A | A | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225873842 | [Redacted] | [Redacted] | 37041788 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of [redacted]QM (APOR) matches the Due Diligence Loan Designation of [redacted] QM (APOR). | Client redesignated to QM | Reviewer Comment (2026-07-22): Client redesignated to QM |
07/22/2026 | No | 1 | A | A | A | A | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225873843 | [Redacted] | [Redacted] | 36902259 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [redacted] days of the Note Date and does not have automatic renewal. | Insurance Policy Expiration Date is less than [redacted] days of the Note Date. | Reviewer Comment (2026-07-30): Hazard policy extension received, exception cleared. Buyer Comment (2026-07-28): Borrowers policy is good for [redacted] year. HOA master Policy extension is attached |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225873843 | [Redacted] | [Redacted] | 36902283 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC for business entity is missing. | Reviewer Comment (2026-07-30): OFAC for business entity received, exception cleared Buyer Comment (2026-07-28): Please see updated Fraud Report with OFAC on Business Entity. No new alerts. I don't have access to clear however they are all cleared on the previous report. The new report is to show OFAC on business entity only . |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | NY | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225873868 | [Redacted] | [Redacted] | 36900792 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Survey 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 cure provided at closing. | Reviewer Comment (2026-07-17): [redacted] received corrected PCCD and LOE moving the fee from section [redacted] to [redacted] . Buyer Comment (2026-07-15): PCCD, LOX and email from title |
07/17/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225873877 | [Redacted] | [Redacted] | 36901710 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement not provided in file. Unable to verify taxes and insurance are escrowed from credit report. | Reviewer Comment (2026-08-05): Received Mortgage statement for property [redacted] , Exception Cleared Buyer Comment (2026-08-03): Please see attached. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225873877 | [Redacted] | [Redacted] | 36901711 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement not provided in file. Unable to verify taxes and insurance are escrowed from credit report. | Reviewer Comment (2026-08-05): Received Mortgage statement for property [redacted] , Exception Cleared Buyer Comment (2026-08-03): Please see attached. |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225873922 | [Redacted] | [Redacted] | 36903105 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient cure was provided to the borrower. | Reviewer Comment (2026-07-14): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-10): This was credited on the final cd. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225873922 | [Redacted] | [Redacted] | 36968480 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Sufficient cure provided at closing | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225874315 | [Redacted] | [Redacted] | 36919834 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter was not found in file for $[redacted] | Reviewer Comment (2026-07-24): Gift letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225874315 | [Redacted] | [Redacted] | 36919840 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter was not found in file for $[redacted] | Reviewer Comment (2026-07-24): Gift letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225874315 | [Redacted] | [Redacted] | 36919847 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-27): Cleared. Received CDA Buyer Comment (2026-07-27): Please see attached |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225874315 | [Redacted] | [Redacted] | 36919885 | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | [redacted] [redacted] and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | Stated Documentation Disclosure was not found in file. | Reviewer Comment (2026-07-27): Cleared. Corrected data entry for compliance question |
07/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225874315 | [Redacted] | [Redacted] | 36919886 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Total amount of $[redacted] exceeds tolerance of $[redacted].[redacted]. No cure was provided to the borrower at closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225874315 | [Redacted] | [Redacted] | 36931234 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE within [redacted] days of note date not provided in file. | Reviewer Comment (2026-07-24): Confirmation for verification of employment received. Exception cleared. Buyer Comment (2026-07-22): Please see attached. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225874315 | [Redacted] | [Redacted] | 36931237 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to missing income documentation: VVOE within [redacted] days of note date not provided in file. | Reviewer Comment (2026-07-24): Gift letter and Confirmation for verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225874315 | [Redacted] | [Redacted] | 36931238 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | ATR risk due to missing income documentation: VVOE within [redacted] days of note date not provided in file. | Reviewer Comment (2026-07-24): Gift letter and Confirmation for verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225874315 | [Redacted] | [Redacted] | 36931239 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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.) | ATR risk due to missing income documentation: VVOE within [redacted] days of note date not provided in file. | Reviewer Comment (2026-07-24): Gift letter and Confirmation for verification of employment received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225874315 | [Redacted] | [Redacted] | 36931244 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Gift letters for [redacted] different gift funds not provided in file. | Reviewer Comment (2026-07-24): Gift letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225874442 | [Redacted] | [Redacted] | 36901848 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted] . The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-10): Cured at closing or within [redacted] days of consummation prior to [redacted] |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225874442 | [Redacted] | [Redacted] | 36901849 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted]. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-10): Cured at closing or within [redacted] days of consummation prior to [redacted] |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225874442 | [Redacted] | [Redacted] | 36901850 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Copy/Rush Fee was not disclosed on initial Loan Estimate but disclosed on final Closing Disclosure $[redacted]. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-10): Cured at closing or within [redacted] days of consummation prior to [redacted] |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225874442 | [Redacted] | [Redacted] | 36901851 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fee was not disclosed on initial Loan Estimate but disclosed on final Closing Disclosure $[redacted]. The file does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-31): [redacted] received corrected PCCD and LOE moving the fee to correct section. Buyer Comment (2026-07-29): PCCD Reviewer Comment (2026-07-22): [redacted] received PCCD and LOE, however LOE provided states fee moved to sec [redacted] and on PCCD fee is removed not moved to sec [redacted] . Please provide corrected PCCD to re-evaluate the exception. Buyer Comment (2026-07-20): PCCD |
07/31/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225874442 | [Redacted] | [Redacted] | 36901939 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] ([redacted]) days of application. | ARM loan program disclosure was not provided to the borrower within [redacted] days of application. | Reviewer Comment (2026-07-21): ARM change date corrected. Exception cleared. Buyer Comment (2026-07-20): Loan wasn't changed to an ARM until [redacted] . |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225874442 | [Redacted] | [Redacted] | 37120125 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225874442 | [Redacted] | [Redacted] | 37120126 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225874442 | [Redacted] | [Redacted] | 37120127 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225874514 | [Redacted] | [Redacted] | 36920503 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Birth date was not provided for member. | Reviewer Comment (2026-07-17): Member details are not required. Exception cleared. Buyer Comment (2026-07-15): [redacted] is a managing member and not a borrower on the loan |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225875352 | [Redacted] | [Redacted] | 36901649 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | HUD/Closing Disclosure missing for [redacted] loan. | Reviewer Comment (2026-07-24): Bridge loan closing disclosure received and verified. Exception cleared. Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225875352 | [Redacted] | [Redacted] | 36902267 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-24): E-Sign Consent Agreement received and verified. Exception cleared. Buyer Comment (2026-07-22): Please see attached |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225875352 | [Redacted] | [Redacted] | 36937434 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225876043 | [Redacted] | [Redacted] | 36903394 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was not disclosed on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At Closing |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225876299 | [Redacted] | [Redacted] | 36939486 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for a non-warrantable condo due to critical repairs. Approved with comp factors cited. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-10): Exception approved with comp factors. |
07/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| 225876548 | [Redacted] | [Redacted] | 36901709 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is provided for [redacted] housing history late payments. | Borrower has verified disposable income of at least $[redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-22): Client elects to waive. Buyer Comment (2026-07-20): exception approval |
07/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225876637 | [Redacted] | [Redacted] | 36938316 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows [redacted] impact on title. | Title commitment schedule [redacted] part [redacted] items #[redacted] , #[redacted] and #[redacted]reflects mortgages with outstanding balances in the amount of $[redacted]and $[redacted]. HUD 1 does not reflect payoff of mortgage liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-07-22): Received correspondence from the title company confirming that lien #[redacted] was omitted from the title report and that liens #[redacted] and #[redacted] were satisfied through the payoff. Exception cleared. Buyer Comment (2026-07-20): Please see email from title which shows that the liens are satisfied. Please clear condition. Reviewer Comment (2026-07-16): Received updated Title Commitment reflecting lien $[redacted] on line [redacted] of schedule [redacted] part [redacted] . Evidence the lien has been released, paid and will not have negative impact on final title policy is required. Exception remains. Buyer Comment (2026-07-15): #[redacted] was omitted. #[redacted] were satisfied with the payoff Buyer Comment (2026-07-15): Please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | Non QM | No | |||||||||||
| 225876637 | [Redacted] | [Redacted] | 36939953 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid change of circumstance in file for the [redacted] fee and no evidence of a tolerance cure. | Reviewer Comment (2026-07-29): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-27): Please see attached. Reviewer Comment (2026-07-15): [redacted] received appraisal order for [redacted] , and fee increased on [redacted] CD which is not within [redacted] days of change. Please provide additional information why fee increased on [redacted] CD or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-13): Please see attached, We were notified by the [redacted] that there would be a fee increase due to the mixed use commercial influence. Please clear condition. |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | N/A | Non QM | Yes | |||||||||
| 225878830 | [Redacted] | [Redacted] | 36920769 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | OFAC search for business entity is missing. | Reviewer Comment (2026-07-20): OFAC search for business entity received, exception cleared. Buyer Comment (2026-07-16): please see attached OFAC search for[redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | PA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225878833 | [Redacted] | [Redacted] | 36930836 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided | Spousal Consent Form missing in the file. | Reviewer Comment (2026-07-23): Spousal Consent Form Not required for Investment Property as per guides. Exception cleared. Buyer Comment (2026-07-21): please cancel, this is an investment property |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225878833 | [Redacted] | [Redacted] | 36930848 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-31): Final Title Policy received and reviewed. Exception cleared. |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225878833 | [Redacted] | [Redacted] | 36941409 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule [redacted] part [redacted] items #[redacted] and #[redacted] reflects mortgages with outstanding balances in the amount of $[redacted]. Seller's HUD 1 does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-07-31): Final Title Policy received and reviewed. Outstanding liens have been addressed. Exception cleared. Buyer Comment (2026-07-29): final title policy upld |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225878838 | [Redacted] | [Redacted] | 36922139 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Waterfall due to the file is missing the [redacted] Business tax returns [redacted]. The file contained a copy of the [redacted] Business tax returns [redacted]. | Reviewer Comment (2026-07-23): This exception has no impact on the Loan Designation, which is Non-QM. If the guideline requirements have been met (i.e., calls for "most recently filed" tax returns which would be [redacted] ) exception can be cleared. Buyer Comment (2026-07-21): please see extension form on [redacted] , pages[redacted] |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Second Home | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225878838 | [Redacted] | [Redacted] | 36922152 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Survey Fee was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance provided. | Reviewer Comment (2026-07-22): [redacted] received rebuttal stating survey was required by title. Buyer Comment (2026-07-21): title invoice upld, they required the survey, [redacted] does not require a survey for this program. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879041 | [Redacted] | [Redacted] | 36922318 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to borrower converted to [redacted] income and has an active contract receiving [redacted]income. [redacted] not provided in file for self-employment income. | Reviewer Comment (2026-07-27): Loan is NonQM |
07/27/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225879041 | [Redacted] | [Redacted] | 36922319 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule [redacted] | Ability to Repay (Dodd-Frank 2014): Unable to verify [redacted] Proprietorship income using reasonably reliable third-party records. | Waterfall due to borrower converted to [redacted] income and has an active contract receiving [redacted]income. [redacted]not provided in file for self-employment income. | Reviewer Comment (2026-07-27): Sufficient documentation was provided based on time borrower's started 1099 and lender guides. Condition cleared. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879041 | [Redacted] | [Redacted] | 36922320 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are [redacted] 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 due to borrower converted to [redacted] income and has an active contract receiving [redacted] income. [redacted] not provided in file for self-employment income. | Reviewer Comment (2026-07-27): Received clarification/approval/documentation from lender. Condition cleared. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879041 | [Redacted] | [Redacted] | 36922321 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to borrower converted to 1099 income and has an active contract receiving 1099 income. 1099 not provided in file for self-employment income. | Reviewer Comment (2026-07-27): Sufficient documentation was provided based on time borrower's started 1099 and lender guides. Condition cleared. |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879041 | [Redacted] | [Redacted] | 36922324 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to borrower converted to 1099 income and has an active contract receiving 1099 income. 1099 not provided in file for self-employment income. | Reviewer Comment (2026-07-27): Received clarification/approval/documentation from lender. Condition cleared. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879041 | [Redacted] | [Redacted] | 36922328 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | 1099 document not provided in file for borrower's self-employment income. | Reviewer Comment (2026-07-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-07-23): Please see write up from Underwriter on 1008 |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879047 | [Redacted] | [Redacted] | 36930506 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | HOA/Condo Questionnaire Total changed to $[redacted]on the Closing Disclosure dated [redacted]. A valid change of circumstance was not provided for the fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-07-13): Cured at closing or within [redacted] days of consummation prior to [redacted] |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225879047 | [Redacted] | [Redacted] | 37039511 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225879194 | [Redacted] | [Redacted] | 36934697 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement missing for REO property [redacted] | Reviewer Comment (2026-07-29): Received closing statement with the escrow details instead of mortgage statement. Exception Cleared. Buyer Comment (2026-07-25): Please see attached CD |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225879194 | [Redacted] | [Redacted] | 36934707 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement missing for REO property [redacted] | Reviewer Comment (2026-07-29): Received closing statement with the escrow details instead of mortgage statement. Exception Cleared. Buyer Comment (2026-07-25): Please see attached CD |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225879194 | [Redacted] | [Redacted] | 36934711 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement missing for REO property [redacted] | Reviewer Comment (2026-07-29): Received closing statement with the escrow details instead of mortgage statement. Exception Cleared. Buyer Comment (2026-07-25): Please see attached CD |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225879194 | [Redacted] | [Redacted] | 36934720 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-29): Meets [redacted] /[redacted] requirements as of [redacted] . Condition cleared. Buyer Comment (2026-07-25): Please see attached Lender letter, it is no longer the industry standard to document the replacement cost value to verify the property insurance coverage amount. It is sufficient to provide confirmation of coverage on a replacement cost basis with the exception of roofs. Property insurance policies that provide such terms of coverage are deemed sufficient. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225879194 | [Redacted] | [Redacted] | 36963722 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing REO documents. | Reviewer Comment (2026-07-29): Received closing statement with the escrow details instead of mortgage statement for the investment properties. Exception Cleared. Buyer Comment (2026-07-25): Sorry my ability to mind read is not working today. Please provide color to this extremely vague condition or clear if the previously uploaded documentation meets the requirements. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225879214 | [Redacted] | [Redacted] | 36920332 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-15): Received E-Sign consent. Exception cleared. Buyer Comment (2026-07-13): audit disclosure |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879214 | [Redacted] | [Redacted] | 36920393 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer Tax was last disclosed as $[redacted] on the 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 (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879227 | [Redacted] | [Redacted] | 36945968 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Second Home not provided | [redacted] rider is not provided. | Reviewer Comment (2026-07-17): Received Second Home Rider, information validated. Exception Cleared. Buyer Comment (2026-07-16): Second Home Rider |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879227 | [Redacted] | [Redacted] | 36946076 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is not provided for [redacted] | Reviewer Comment (2026-07-23): Mortgage statement associated. EXception cleared. Buyer Comment (2026-07-21): They are all one statement with the mortgage bank and loans. see page [redacted] which is page [redacted] of the statement for the mortgage Reviewer Comment (2026-07-17): Require Mortgage statement of REO Property "[redacted] " to verify PITIA amount as [redacted] is Bank statement not mortgage statement. Exception Remains. Buyer Comment (2026-07-16): Please see [redacted] |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879235 | [Redacted] | [Redacted] | 36921244 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing | Reviewer Comment (2026-07-23): Received Hazard Insurance Policy. Exception Cleared. Buyer Comment (2026-07-21): Hazard |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879235 | [Redacted] | [Redacted] | 36921401 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-23): Econsent received. Buyer Comment (2026-07-21): eConsent |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879244 | [Redacted] | [Redacted] | 36931922 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $3.90, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-22): See [redacted] page [redacted] for final CD, bottom of page [redacted] is the cure |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879244 | [Redacted] | [Redacted] | 37050312 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225879286 | [Redacted] | [Redacted] | 36921010 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's fee increased to $[redacted] without a valid change of circumstance; Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-22): [redacted] Received Corrected PCCD and LOE moving fee to section[redacted] . Buyer Comment (2026-07-21): apologies - revised lox attached Reviewer Comment (2026-07-21): [redacted] Received Corrected PCCD and LOE; however, LOE does not specify the changed made to attorney fee on PCCD. Provide updated LOE. Buyer Comment (2026-07-20): please see attached lox & pccd Reviewer Comment (2026-07-20): [redacted] received rebuttal. If fee was not required, it should be listed in section[redacted] instead of section [redacted] . Corrected CD moving the fee to sec [redacted] and LOE required to remediate. Buyer Comment (2026-07-16): this is a closing attorney fee and should not be included in the TRID [redacted] percent calculations |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879286 | [Redacted] | [Redacted] | 36944014 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception in file for non-warrantable condo with critical repairs. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-10): Exception approved with comp factors. |
07/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225879307 | [Redacted] | [Redacted] | 36921473 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Reviewer Comment (2026-07-23): [redacted] shows calculator and replacement coverage for flood insurance [redacted] % Reviewer Comment (2026-07-23): The Provided doc ID [redacted] does not reflect any Flood Insurance Calculator. Need clarification as how acceptable coverage was calculated as $[redacted] . Exception remains. Buyer Comment (2026-07-21): doc [redacted] is a printout result of using [redacted] Flood Insurance Calculator, calculated coverage is equal to the full insurable value. Reviewer Comment (2026-07-21): Flood insurance reflects building replacement cost as $[redacted] and insurance coverage is only for $[redacted] Need clarification how acceptable coverage was calculated as $[redacted] . Exception remains. Buyer Comment (2026-07-20): please clarify as this is regarding the flood insurance and flood policy references building replacement coverage Reviewer Comment (2026-07-20): Insufficient coverage to cover the loan amount or the rebuild cost, referenced document does not have the calculation, exception remains. Buyer Comment (2026-07-16): please see flood insurance coverage calculator doc [redacted] stating coverage requirement are met |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225879478 | [Redacted] | [Redacted] | 36922012 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement for [redacted] lien P&I of $[redacted] is missing from file. | Reviewer Comment (2026-07-24): Closing disclosure document is present for the second lien. Exception Cleared. Buyer Comment (2026-07-22): Please see promissory note to clear condition. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225879478 | [Redacted] | [Redacted] | 36922018 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted]is less than the note amount of $[redacted]. | Reviewer Comment (2026-07-24): Received updated title commitment document to cover the loan amount. Exception Cleared. Buyer Comment (2026-07-23): Please see attached. |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225879600 | [Redacted] | [Redacted] | 36944308 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-07-16): Received Property History Report with tax paid. Exception Cleared. Buyer Comment (2026-07-15): free and clear Reviewer Comment (2026-07-15): Please provide Proof to verify property owned free and clear and Tax are paid current. Exception remains. Buyer Comment (2026-07-13): The history is located on the credit report. The primary home borrower is living in is paid off. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225879739 | [Redacted] | [Redacted] | 36944070 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final closing statement is not located int he file. | Reviewer Comment (2026-07-20): Final closing statement received, exception cleared. Buyer Comment (2026-07-16): please see attached final settlement statement |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225882386 | [Redacted] | [Redacted] | 36935516 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225882437 | [Redacted] | [Redacted] | 36924320 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-15): Received E-sign consent agreement. Exception Cleared. Buyer Comment (2026-07-13): audit trail |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225882437 | [Redacted] | [Redacted] | 36939742 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225882437 | [Redacted] | [Redacted] | 36939743 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225882909 | [Redacted] | [Redacted] | 36931040 | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | - | Reviewer Comment (2026-07-30): Patriot Act for [redacted] , cleared Buyer Comment (2026-07-29): please see attached executed Patriot Act for[redacted] Reviewer Comment (2026-07-23): Provided Patriot Act information form is for Managing Member of the Entity. Require Identification document Driver's License/Identification Card for Co-Borrower ([redacted] ). Exception remains. Buyer Comment (2026-07-21): please see executed Patriot Act doc [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225882920 | [Redacted] | [Redacted] | 36934719 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Subject property occupancy status is [redacted]; however, in the final 1003 declaration, question A: 'Will you occupy the property as your primary residence?' was marked 'Yes'. | Reviewer Comment (2026-07-28): Received revised 1003 with corrected declaration section [redacted] . Exception cleared. Buyer Comment (2026-07-24): revised 1003 and [redacted] confirm not occupying upld |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225882920 | [Redacted] | [Redacted] | 36963156 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] with no change of circumstances, but a cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-22): [redacted] received rebuttal and valid COC document Buyer Comment (2026-07-21): loan re-locked, program change from [redacted] - [redacted] Expanded - Bank Statement [redacted] Yr Fixed (Alt-A) *BestEfforts NO MI REQUIRED* to [redacted] - [redacted] Expanded - Bank Statement [redacted] Yr Fixed EXCEPTION (Alt-A) *BestEfforts NO MI REQUIRED* on [redacted] , initial lock is on [redacted] , final lock is on [redacted] , coc is on [redacted] . |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | 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 | Non QM | Non QM | Yes | |||||||||
| 225882940 | [Redacted] | [Redacted] | 36925506 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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. | [redacted] 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. | Reviewer Comment (2026-07-15): [redacted] received LOE and rate lock document Buyer Comment (2026-07-14): LOE |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225883373 | [Redacted] | [Redacted] | 36934608 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | Final Loan amount of $[redacted] is lower than the $[redacted]amount used on the DSCR worksheet. | Reviewer Comment (2026-07-23): Received revised UW Worksheet and 1007 as required. Exception cleared. Buyer Comment (2026-07-21): [redacted] respectfully disagrees with [redacted]. To support, please find ROV 1007 and corrected DSCR. True DSCR is [redacted] , please review and update Buyer Comment (2026-07-21): supporting docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225883615 | [Redacted] | [Redacted] | 36931294 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] 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, however information updated from Final Closing Disclosure. | Reviewer Comment (2026-07-23): [redacted] : Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-22): See [redacted] page [redacted] for final CD, at the bottom of page[redacted] is the cure |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225883615 | [Redacted] | [Redacted] | 36931295 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | [redacted] 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, however information updated from Final Closing Disclosure. | Reviewer Comment (2026-07-23): [redacted] received valid changed circumstance. Buyer Comment (2026-07-22): RCD with COC |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225883615 | [Redacted] | [Redacted] | 36931296 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower, however information updated from Final Closing Disclosure. | Reviewer Comment (2026-07-23): [redacted] received valid changed circumstance. Buyer Comment (2026-07-22): See RCD with COC |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225883615 | [Redacted] | [Redacted] | 37049215 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225884004 | [Redacted] | [Redacted] | 36934561 | 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 [redacted] than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-16): Title commitment with sufficient coverage, cleared Buyer Comment (2026-07-15): revised title commitment |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225884279 | [Redacted] | [Redacted] | 36935201 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884279 | [Redacted] | [Redacted] | 36935202 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884279 | [Redacted] | [Redacted] | 36935203 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884279 | [Redacted] | [Redacted] | 36935204 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884285 | [Redacted] | [Redacted] | 36935110 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted]. | Reviewer Comment (2026-07-30): Received [redacted] documentation. Cleared. Buyer Comment (2026-07-23): [redacted] Assets |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225884285 | [Redacted] | [Redacted] | 36935149 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]. | Reviewer Comment (2026-07-30): Received [redacted] documentation. Condition cleared. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225884452 | [Redacted] | [Redacted] | 36934739 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification missing for the [redacted] | Reviewer Comment (2026-07-22): Document for HOA amount is already provided in file. Exception cleared. Buyer Comment (2026-07-20): see [redacted] pg [redacted] for HOA |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884466 | [Redacted] | [Redacted] | 36936460 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884466 | [Redacted] | [Redacted] | 36936465 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225884467 | [Redacted] | [Redacted] | 36934971 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | City name ([redacted]) on Note, Security Instrument, Hazard Insurance, 1008, and Title document are not correct. This is an old city name. The correct city name mentioned on the Appraisal document is "[redacted]". | Reviewer Comment (2026-07-24): Received evidence of one and the same. Cleared. Buyer Comment (2026-07-21): please see attached for city [redacted] name. [redacted] (city name on appraisal) is not the "new name". it is an unincorporated village in the city of [redacted] (city name on all closing docs). they are one in the same. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225884488 | [Redacted] | [Redacted] | 36965476 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee increase with no valid Change of Circumstance found in the file. No lender cure was noted on the final CD. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884504 | [Redacted] | [Redacted] | 36935129 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The origination credit report is missing from the file. | Reviewer Comment (2026-07-27): Cleared. Received credit report. Buyer Comment (2026-07-23): Credit report |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | HI | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884504 | [Redacted] | [Redacted] | 36935293 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification is missing for [redacted]. | Reviewer Comment (2026-07-27): Cleaered. Received HOA. Buyer Comment (2026-07-23): HOA docs |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225884504 | [Redacted] | [Redacted] | 36935296 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit report is missing to verify borrower FICO score. | Reviewer Comment (2026-07-27): Cleared. Received credit report Buyer Comment (2026-07-23): See credit |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884504 | [Redacted] | [Redacted] | 36970101 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The origination credit report was missing from the file. | Reviewer Comment (2026-07-27): Cleared. Received credit report. Buyer Comment (2026-07-23): See credit |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884507 | [Redacted] | [Redacted] | 36931352 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Verification of rent was not provided. | Reviewer Comment (2026-07-31): Rental details verified from bank statement and updated. Exception cleared. Buyer Comment (2026-07-29): Please see Lease ([redacted] which continues on [redacted] ). Esign of lease in [redacted] , and bank statement in [redacted] from [redacted] showing borrower paid for [redacted] [redacted] year of lease in advance. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884507 | [Redacted] | [Redacted] | 36931372 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent comparable schedule was not provided. | Reviewer Comment (2026-07-31): Borrower is not being qualified with any rental income so 1007 Rent comparable schedule not required. Exception cleared. Buyer Comment (2026-07-29): N/A. Borrower is not being qualified with any rental income or trying to offset the payment of the property with rental income therefore the 1007 is not required. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884805 | [Redacted] | [Redacted] | 36971632 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to use appraisal value for [redacted] unit subject property owned less than [redacted] months | Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-22): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-20): exception |
07/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225884823 | [Redacted] | [Redacted] | 36947302 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to Lender considering primary mortgage debt obligations in DTI calculation but not reflected in any provided source documents. | Reviewer Comment (2026-08-06): Bid tape updated. Buyer Comment (2026-08-04): Bid tape corrected, please clear Reviewer Comment (2026-07-23): Received updated 1008 with correct DTI, but Bid Tape is still reflecting DTI [redacted] % which needs to be updated as DTI [redacted] % to clear the condition. Exception remains. Buyer Comment (2026-07-21): updated 1008 |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884823 | [Redacted] | [Redacted] | 36970594 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided e-sign consent document. | Reviewer Comment (2026-07-23): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-07-21): econsent |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225884826 | [Redacted] | [Redacted] | 36970299 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid change of circumstance found in the file for the fee increase and no evidence of a tolerance cure. | Reviewer Comment (2026-07-30): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-28): please see attached lox, pccd, & check |
07/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225886809 | [Redacted] | [Redacted] | 36939181 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance [redacted] Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Fee was not disclosed on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-07-21): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-20): PCCD, LOX, Label and check |
07/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225886812 | [Redacted] | [Redacted] | 36940239 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225891406 | [Redacted] | [Redacted] | 36936994 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-24): [redacted] received a valid COC. Buyer Comment (2026-07-22): please cancel, rate was locked [redacted] , program required aprsl rvw, fee added [redacted] , linitial lock is on [redacted] , coc is on [redacted] |
07/24/2026 | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225891406 | [Redacted] | [Redacted] | 36936995 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee Tolerance exceeded for Credit Report Fee. The Fee Amount of $[redacted]exceeds the tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-24): Cured at closing or within [redacted] days of consummation prior to [redacted] Buyer Comment (2026-07-24): please cancel, this was cured at closing on final cd section [redacted] |
07/24/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225891406 | [Redacted] | [Redacted] | 36936996 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Appraisal fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-28): pccd docs upld |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225892673 | [Redacted] | [Redacted] | 36938806 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee. Insufficient cure provided at closing. | Reviewer Comment (2026-07-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-22): Cured at closing in section [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225892673 | [Redacted] | [Redacted] | 36938807 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee Total 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. Insufficient cure provided at closing. | Reviewer Comment (2026-07-24): [redacted] received Post CD and LOX along with Final Alta statement. Buyer Comment (2026-07-22): PCCD to match the recording fees to the [redacted] . The recording fees are also [redacted] % tolerance so the $[redacted] increase doesn't need to be cured. Buyer Comment (2026-07-22): PCCD to match the recording fees to the[redacted] . The recording fees are also [redacted] % tolerance so the $[redacted] increase doesn't need to be cured. Buyer Comment (2026-07-22): PCCD and [redacted] showing the recording fees were adjusted to match. Recording fees are also [redacted] % tolerance so that additional $[redacted] doesn't need to be cured. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225892673 | [Redacted] | [Redacted] | 37057361 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225892673 | [Redacted] | [Redacted] | 37057362 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225893340 | [Redacted] | [Redacted] | 36940703 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-28): [redacted] Received Corrected PCCD and LOE moving fee to section [redacted] . Buyer Comment (2026-07-24): Please see attached. |
07/28/2026 | 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 | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225893340 | [Redacted] | [Redacted] | 36973622 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification that business is currently active was not provided for[redacted]. Ownership percentage in business is missing. | Reviewer Comment (2026-07-31): The borrower does not own [redacted] . The borrower has a consulting agreement with [redacted] , which he owns [redacted] % Ownership. Exception cleared. Buyer Comment (2026-07-29): The borrower does not own [redacted] . Our borrower has a consulting agreement with [redacted] , which he owns [redacted] % of. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225893340 | [Redacted] | [Redacted] | 36973671 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification that business is currently active was not provided for[redacted]. Ownership percentage in business is missing. | Reviewer Comment (2026-07-31): The borrower does not own [redacted] . The borrower has a consulting agreement with [redacted] , which he owns [redacted] % Ownership. Exception cleared. Buyer Comment (2026-07-29): [redacted] |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225893340 | [Redacted] | [Redacted] | 36973672 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Verification that business is currently active was not provided for[redacted]. Ownership percentage in business is missing. | Reviewer Comment (2026-07-31): The borrower does not own [redacted] . The borrower has a consulting agreement with [redacted] , which he owns [redacted] % Ownership. Exception cleared. Buyer Comment (2026-07-29): [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225893340 | [Redacted] | [Redacted] | 36973673 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | Verification that business is currently active was not provided for[redacted]. Ownership percentage in business is missing. | Reviewer Comment (2026-07-31): The borrower does not own [redacted] . The borrower has a consulting agreement with [redacted] , which he owns [redacted] % Ownership. Exception cleared. Buyer Comment (2026-07-29): [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225894613 | [Redacted] | [Redacted] | 36938637 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-07-23): Condo warrantable is already provided in file.. Exception cleared. Buyer Comment (2026-07-21): please see condo cert doc [redacted] |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895159 | [Redacted] | [Redacted] | 36944489 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy amount is less than Note amount of $[redacted]. | Reviewer Comment (2026-07-27): Cleared. Received updated title in trailing docs. Buyer Comment (2026-07-23): final title policy upld |
07/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895159 | [Redacted] | [Redacted] | 36944539 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Please override. Details not required for member. | Reviewer Comment (2026-07-22): Birth Date not required for member, cleared Buyer Comment (2026-07-22): please cancel, [redacted] is not on the loan, she only signed as an additional member. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225895159 | [Redacted] | [Redacted] | 36979380 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution was missing from loan file. | Reviewer Comment (2026-07-22): Corporate Resolution, cleared Buyer Comment (2026-07-22): unanimous consent upld |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895161 | [Redacted] | [Redacted] | 36938649 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD is missing from the file. Estimated Closing statement provided. | Reviewer Comment (2026-07-27): Final HUD/CD - cleared Buyer Comment (2026-07-24): please see attached final alta |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895164 | [Redacted] | [Redacted] | 36940114 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | DSCR variance; lenders DSCR; [redacted]. Review DSCR; [redacted]. Variance is due to lenders PITI calculation of $[redacted]per month vs actual amount of $[redacted]per month. | Reviewer Comment (2026-07-29): Bid Tape has been updated as required. Exception cleared. Buyer Comment (2026-07-27): please see updated bid tape and clear Reviewer Comment (2026-07-23): Received a rebuttal email with tax calculations of $[redacted] + $[redacted] , resulting in a calculated DSCR of [redacted] . However, the Bid Tape reflects a DSCR of[redacted] Additionally, the Final 1003, Final HUD, and First Payment Letter all indicate that taxes are escrowed at $[redacted] . Exception remains Buyer Comment (2026-07-21): Hello, please see the attached DSCR rebuttal. Thank you! |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895174 | [Redacted] | [Redacted] | 36940572 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | The credit report reflects a [redacted]-day late payment within [redacted]months prior to the Note date. A Letter of Explanation (LOE) addressing the late payment is required and is not included in the file. | Reviewer Comment (2026-07-30): Letter of Explanation (LOE) addressing the late payment, cleared Buyer Comment (2026-07-29): please see borrower lox docs [redacted] & [redacted] regarding late payment on credit report |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225895174 | [Redacted] | [Redacted] | 36940576 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | The valuation address does not include Unit #[redacted]. | Reviewer Comment (2026-07-31): 1025 appraisal updated with correct address, cleared Buyer Comment (2026-07-31): please see attached appraisal with clerical update of street address to [redacted] [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225895174 | [Redacted] | [Redacted] | 36940577 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | The valuation address does not include Unit #[redacted]. | Reviewer Comment (2026-07-31): CDA with corrected address, cleared Buyer Comment (2026-07-31): please see attached CDA with clerical update of street address to [redacted] [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225895174 | [Redacted] | [Redacted] | 36940580 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check was not found in file. | Reviewer Comment (2026-07-30): Associated to the Fraud Report, cleared Buyer Comment (2026-07-29): please see title's patriot search doc [redacted] and OFAC report doc [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895174 | [Redacted] | [Redacted] | 36940581 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report was not found in file. | Reviewer Comment (2026-07-30): Fraud Report, cleared Buyer Comment (2026-07-29): please see attached fraud report |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895174 | [Redacted] | [Redacted] | 36940584 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC search was not found in file. | Reviewer Comment (2026-07-30): Associated to the Fraud Report, cleared Buyer Comment (2026-07-29): please see attached from OFAC website and please see title's patriot search doc [redacted] and OFAC report doc [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895177 | [Redacted] | [Redacted] | 36974281 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | File is missing all documentation for the [redacted] loan used to close the transaction. | Reviewer Comment (2026-07-22): Received Bridge loan CD for the property #[redacted] . Exception Cleared. Buyer Comment (2026-07-20): Please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225895177 | [Redacted] | [Redacted] | 36974300 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing CD for the new [redacted] loan to document the payment so reserves can be accurately calculated. | Reviewer Comment (2026-07-22): Received Bridge loan CD for the property #[redacted] . Exception Cleared. Buyer Comment (2026-07-20): Please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895187 | [Redacted] | [Redacted] | 36939997 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign disclosure not provided in file. | Reviewer Comment (2026-07-29): Received documentation of e-consent in trailing docs. Buyer Comment (2026-07-23): eConsent |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895187 | [Redacted] | [Redacted] | 36940001 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Homeowners insurance policy binder not provided in file. | Reviewer Comment (2026-07-29): HOI and RCE provided in trailing docs. Buyer Comment (2026-07-23): Hazard |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225895205 | [Redacted] | [Redacted] | 36939754 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225895234 | [Redacted] | [Redacted] | 36939690 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Reviewer Comment (2026-07-27): Document provided Buyer Comment (2026-07-23): final CD from bridge loan |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225895234 | [Redacted] | [Redacted] | 36978521 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A full or exterior only appraisal evidencing the departing residence has at least [redacted]% equity after deduction of all liens outstanding against the property. | Reviewer Comment (2026-07-27): Per Client The departing residence is being retained as an investment property. No AVM is required since we are not omitting the property from the DTI Buyer Comment (2026-07-23): The departing residence is being retained as an investment property. No AVM is required since we are not omitting the property from the DTI |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895234 | [Redacted] | [Redacted] | 37076930 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | per Client The departing residence is being retained as an investment property. No AVM is required since we are not omitting the property from the DTI. DTI now at [redacted]% | Reviewer Comment (2026-08-06): Departing residence excluded from DTI ratio and source documents for it received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-04): Please see the attached LOX |
08/06/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225895234 | [Redacted] | [Redacted] | 37076936 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-08-06): Departing residence excluded from DTI ratio and source documents for it received. Details verified and updated. Exception cleared. |
08/06/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225895234 | [Redacted] | [Redacted] | 37076937 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Reviewer Comment (2026-08-06): Departing residence excluded from DTI ratio and source documents for it received. Details verified and updated. Exception cleared. |
08/06/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225895234 | [Redacted] | [Redacted] | 37076939 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | per Client The departing residence is being retained as an investment property. No AVM is required since we are not omitting the property from the DTI. DTI now at [redacted]% | Reviewer Comment (2026-08-06): Departing residence excluded from DTI ratio and source documents for it received. Details verified and updated. Exception cleared. |
08/06/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225895362 | [Redacted] | [Redacted] | 36944578 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is not provided in file. | Reviewer Comment (2026-07-24): E-Sign Consent provided, information validated. Exception Cleared. Buyer Comment (2026-07-22): proof econsent was accepted upld |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895362 | [Redacted] | [Redacted] | 36945077 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Bank statement provided was dated more than [redacted]days prior to closing. | Reviewer Comment (2026-07-24): Non-QM Buyer Comment (2026-07-22): please cancel, statements were used for passive asset utilization, guide allow for age of docs max [redacted] days proir to note date |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225895362 | [Redacted] | [Redacted] | 36945083 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Application Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Application Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225895362 | [Redacted] | [Redacted] | 36945087 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Application Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225895445 | [Redacted] | [Redacted] | 36944081 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]business days of application. | Loan estimate dated [redacted]. Application date is shown as[redacted]. | Reviewer Comment (2026-08-07): [redacted] received initial 1003 w/property address executed by originator & borower Buyer Comment (2026-08-06): Initial 1003 Reviewer Comment (2026-07-24): [redacted] received disclosures summary which shows the application date is[redacted] but as per file the purchase contact was received on [redacted] ([redacted] ) and title was prepared on [redacted] which shows the property address was known prior to claimed application date. From the file we are unable to identify the actual date when all [redacted] pieces of information was received to lender to trigger the application date. Please provide more information to validate the application date along with the supporting documents. Buyer Comment (2026-07-23): Application date is[redacted] , see Compliance Timeline |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895445 | [Redacted] | [Redacted] | 36944082 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 disclosed as $[redacted]on initial CD and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-07-24): [redacted] received exception letter and as per LOS snip for change in points. Buyer Comment (2026-07-23): RCD with COC, exception with pricing change received[redacted] Buyer Comment (2026-07-23): RCD with COC, exception with pricing change received [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225895445 | [Redacted] | [Redacted] | 36944083 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report Fee disclosed as $[redacted]on initial CD and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-07-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-23): See [redacted] page [redacted] for final CD, the bottom of page [redacted] has the cure already |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225895445 | [Redacted] | [Redacted] | 37058073 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225895505 | [Redacted] | [Redacted] | 36944239 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved, requesting an exception for a borrower who is currently residing rent-free, living internationally in employer ([redacted]) provided housing in [redacted]. Per Onslow guidelines, on a DSCR loan, the borrower must reside in the [redacted]. He will have a property manager to help oversee the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Lender Exception with Compensating Factors provided. |
07/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AR | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| 225895505 | [Redacted] | [Redacted] | 36980005 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Lender exception in file stated a verification of rent from address outside [redacted]is part of exception approval. Employer [redacted]evidence of rent / lease payments in behalf of employee. Additional requirement may apply. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-15): Lender Exception with Compensating Factors provided. |
07/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AR | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| 225895566 | [Redacted] | [Redacted] | 36944268 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Required [redacted]months reserves not provided. Documentation for Net Proceeds indicated on the 1003 is not located in the file. | Reviewer Comment (2026-07-30): Received required HUD. Condition cleared. Buyer Comment (2026-07-23): [redacted] from the borrower's other loan |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895566 | [Redacted] | [Redacted] | 36944315 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified Assets for Closing of $[redacted]is less than required Cash From Borrower $[redacted].. Documentation for Net Proceeds indicated on the 1003 is not located in the file. | Reviewer Comment (2026-07-30): Received required HUD. Condition cleared. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225895569 | [Redacted] | [Redacted] | 36944344 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 amount of $[redacted]disclosed as $[redacted]and then disclosed on final CD as $[redacted]. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-07-30): [redacted] received Letter of Explanation, Proof of Delivery and Copy of Refund. Buyer Comment (2026-07-29): tracking Reviewer Comment (2026-07-28): [redacted] received Copy of refund check,proof of mailing and Copy of refund check.[redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-07-27): PCCD, LOX, Label and Check |
07/30/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225895637 | [Redacted] | [Redacted] | 36944480 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 were last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-28): [redacted] received previous rate lock dated [redacted] and as per comparison to lock dated [redacted] for change in pricing. Buyer Comment (2026-07-24): please see attached[redacted] prior lock. discount points changed due to changes in loan amount, interest rate, pricing and discount rate |
07/28/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225895639 | [Redacted] | [Redacted] | 36975243 | 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. | Based on the Note and Title Commitment the prior lender was not the same as the new lender and the H-8 form should have been used. | Reviewer Comment (2026-07-29): Corrected RTC received, exception cleared. Buyer Comment (2026-07-28): please see attached lox and rev rtc, new [redacted] rescission date |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225895639 | [Redacted] | [Redacted] | 37100231 | Compliance | Compliance | Federal Compliance | TILA | TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date. | Rescission expiration date provided by lender on Notice of Right to Cancel has not expired as of time of review. | Rescission period will expire on [redacted] | Reviewer Comment (2026-08-04): Recession Period is over. Exception Cleared. Buyer Comment (2026-08-03): new[redacted] rescission date has passed, please clear condition |
08/04/2026 | No | 1 | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225895650 | [Redacted] | [Redacted] | 36947477 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | - | Valuation effective date or report date is more than [redacted]days prior to the note date. | Reviewer Comment (2026-07-23): Received 442- Certificate of Completion document with the revised effective. Exception Cleared. Buyer Comment (2026-07-22): Please see recert of value. Please clear condition. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895650 | [Redacted] | [Redacted] | 36947478 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient, and replacement cost estimator is not provided in file. | Reviewer Comment (2026-07-23): Property type is condo and received hazard insurance document. Exception Cleared. Buyer Comment (2026-07-22): The policy provided is an [redacted] walls in policy. This is sufficent coverage for the property type. Please clear condition. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225895884 | [Redacted] | [Redacted] | 36947586 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 increased from $[redacted]to $[redacted]without any valid changed circumstances. $[redacted]cure provided is less than total cure requirement of $[redacted]. | Reviewer Comment (2026-07-27): [redacted] receive rate lock docs for change in pricing on [redacted] . Buyer Comment (2026-07-24): please see attached [redacted] , [redacted] &[redacted] prior locks. discounts points increased due to changes in discount rate and pricing |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225895884 | [Redacted] | [Redacted] | 36947587 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit report fee increased from $[redacted]to $[redacted]without any valid changed circumstances. $[redacted]cure provided is less than total cure requirement of $[redacted]. | Reviewer Comment (2026-07-14): Cured at closing or within [redacted] days of consummation prior to [redacted] |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | RI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225895884 | [Redacted] | [Redacted] | 37084458 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | RI | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225896099 | [Redacted] | [Redacted] | 36947591 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | As per final 1003, primary property expenses are $[redacted]; however, the underwriter considered only $[redacted]for calculation. | Reviewer Comment (2026-08-03): Received revised 1003 and 1008, income and information re-validated accordingly. DTI discrepancy suffices. Exception Cleared. Buyer Comment (2026-07-30): please disregard previous rebuttal, revised rebuttal with pau worksheet, 1008 & 1003 upld Buyer Comment (2026-07-30): rebuttal and passive income worksheet upld |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225896099 | [Redacted] | [Redacted] | 36947592 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | As per final 1003, primary property expenses are $[redacted]; however, the underwriter considered only $[redacted]for calculation. | Reviewer Comment (2026-08-03): Received revised 1003 and 1008, income and information re-validated accordingly. DTI discrepancy suffices. Exception Cleared. Buyer Comment (2026-07-30): please disregard previous rebuttal, revised rebuttal with [redacted] worksheet, 1008 & 1003 upld to trl docs Buyer Comment (2026-07-30): rebuttal and passive income worksheet upld to trl docs |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225897951 | [Redacted] | [Redacted] | 36957848 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | DSCR Discrepancy. Lender DSCR [redacted]. Audit DSCR [redacted]. DSCR worksheet provides a DSCR of [redacted]and Audit calculated at [redacted]. An updated Bid tape for the DSCR is required. | Reviewer Comment (2026-08-03): Bid tape updated. Exception cleared. Buyer Comment (2026-07-30): please double check bid tape as i was informed it was updated to [redacted] DSCR |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225900912 | [Redacted] | [Redacted] | 36958792 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Preliminary in file. | Reviewer Comment (2026-07-30): Final title with sufficient coverage, cleared Buyer Comment (2026-07-29): Please see attached. Reviewer Comment (2026-07-21): Need the updated title showing sufficient coverage Buyer Comment (2026-07-20): Please see attached. |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225900912 | [Redacted] | [Redacted] | 36958793 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Final title policy was not found in file. | Reviewer Comment (2026-07-30): Final title with sufficient coverage, cleared |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225900912 | [Redacted] | [Redacted] | 36958797 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final executed HUD/Closing Disclosure is missing. | Reviewer Comment (2026-07-21): HUD/Closing Disclosure, cleared Buyer Comment (2026-07-20): Please see attached. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225900915 | [Redacted] | [Redacted] | 36958953 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225900928 | [Redacted] | [Redacted] | 36959393 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Investor to provide CDA, as no [redacted] UCDP scores are present in the file. | Reviewer Comment (2026-07-31): Secondary Valuation received and verified. Exception cleared. Buyer Comment (2026-07-29): CDA |
07/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CT | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 225900931 | [Redacted] | [Redacted] | 36959356 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted]of on Final Closing Disclosure provided on [redacted]are underdisclosed. | Non-escrowed Property Costs over Year [redacted]on Final Closing Disclosure provided on [redacted] are under-disclosed. | Reviewer Comment (2026-07-24): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-07-23): PCCD, LOX Reviewer Comment (2026-07-22): [redacted] received rebuttal, however the appraisal indicates HOA dues of $[redacted] per year. The acceptable amounts are [redacted] ,[redacted] , or [redacted] months. The allowable tolerance for the escrow account fields is $[redacted] for under disclosure and no penalty for over disclosure however the amount cannot exceed [redacted] months of calculated costs or less than [redacted] months. Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure. Buyer Comment (2026-07-21): there is no items not escrowed. please cancel invalid condition |
07/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225901495 | [Redacted] | [Redacted] | 36966862 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Hazard insurance is effective from [redacted], which is subsequent to the note date of [redacted]. This is the only hazard insurance policy available for the subject property. | Reviewer Comment (2026-07-31): HOI policy started at time of disbursement date. Exception Cleared. Buyer Comment (2026-07-29): please see HOI doc [redacted] that has a [redacted] effective date. this was an updated policy and is signed\dated by the HOI agent on[redacted] (page [redacted] of policy). HOI policy dated[redacted] effective date was signed by the agent on [redacted] , thus rendering it not the current [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225902291 | [Redacted] | [Redacted] | 36969051 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Calculated DTI of [redacted]% which is less than the bid tape data DTI [redacted]%. Due to Credit expenses of $[redacted]([redacted][redacted]) paid prior to closing, as per the credit supplement. Property #[redacted]no expenses considered since borrower just on the title not liable for the expenses. | Reviewer Comment (2026-08-04): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-07-31): please clear, bid tape has been updated. Reviewer Comment (2026-07-28): Received updated 1008 and Final 1003 reflecting correct DTI , but Bid Tape is still reflecting DTI [redacted] % which needs to be updated as DTI [redacted] % to clear the condition. Exception remains. Buyer Comment (2026-07-24): revised 1008/1003 upld |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225902291 | [Redacted] | [Redacted] | 36969078 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-28): E-sign consent document associated. Exception Cleared. Buyer Comment (2026-07-24): econsent upld |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225902291 | [Redacted] | [Redacted] | 36969102 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Calculated DTI of [redacted]% which is less than the bid tape data DTI [redacted]%. Due to Credit expenses of $[redacted]([redacted]) paid prior to closing, as per the credit supplement. Property #[redacted]no expenses considered since borrower just on the title not liable for the expenses. | Reviewer Comment (2026-08-04): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-07-31): please clear, bid tape has been updated. Reviewer Comment (2026-07-28): Received updated 1008 and Final 1003 reflecting correct DTI , but Bid Tape is still reflecting DTI [redacted] % which needs to be updated as DTI [redacted] % to clear the condition. Exception remains. Buyer Comment (2026-07-24): revised 1008/1003 upld to trl docs |
08/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225902291 | [Redacted] | [Redacted] | 36969104 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall due to Calculated DTI of [redacted]% which is less than the bid tape data DTI [redacted]%. Due to Credit expenses of $[redacted]([redacted]) paid prior to closing, as per the credit supplement. Property #[redacted]no expenses considered since borrower just on the title not liable for the expenses. | Reviewer Comment (2026-08-04): Bid Tape DTI has been updated. Exception cleared. Buyer Comment (2026-07-31): please clear, bid tape has been updated. Reviewer Comment (2026-07-28): Received updated 1008 and Final 1003 reflecting correct DTI , but Bid Tape is still reflecting DTI [redacted] % which needs to be updated as DTI [redacted] % to clear the condition. Exception remains. Buyer Comment (2026-07-24): revised 1008/1003 upld to trl docs |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225902635 | [Redacted] | [Redacted] | 36967493 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided | HUD/Closing Disclosure (Initial Purchase) is missing. | Reviewer Comment (2026-07-31): Revalidated information. Exception cleared. Buyer Comment (2026-07-29): Only required to provide proof of initial funds used to purchase the property if it's a cash out refi. Subject is no cash out refi. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225902635 | [Redacted] | [Redacted] | 36967494 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided | Source of Funds for the Initial Purchase is missing. | Reviewer Comment (2026-07-31): Revalidated information. Exception cleared. Buyer Comment (2026-07-29): See uploads |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225902635 | [Redacted] | [Redacted] | 36967495 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-05): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-08-05): Please see CU score of [redacted] Reviewer Comment (2026-07-31): Require secondary valuation or CU score. Exception remains. Buyer Comment (2026-07-29): UW used [redacted] expanded guidelines which states secondary valuation is only required if the LTV/CLTV is >[redacted] % regardless of CU score. Please advise. |
08/05/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AL | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 225903511 | [Redacted] | [Redacted] | 36967625 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal review fee was last disclosed as $[redacted]on the 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 (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225903511 | [Redacted] | [Redacted] | 36967626 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report fee was last disclosed as $[redacted]on the 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 (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225906405 | [Redacted] | [Redacted] | 36947360 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225906405 | [Redacted] | [Redacted] | 36947379 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | The Note for the subordinate lien is missing from the file. | Reviewer Comment (2026-07-29): Received note/heloc agreement in trailing docs. Buyer Comment (2026-07-23): Heloc agreement Reviewer Comment (2026-07-22): Required HELOC agreement or any related document as P&I amount for [redacted] lien considered in DTI. Exception remains. Buyer Comment (2026-07-20): What sub lien note are you looking for? |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225906549 | [Redacted] | [Redacted] | 36967490 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-07-23): Taken from supplemental report. Buyer Comment (2026-07-21): See [redacted] pg [redacted] |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225908770 | [Redacted] | [Redacted] | 36968132 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225908905 | [Redacted] | [Redacted] | 36974749 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee amount of $[redacted] exceeds tolerance of $[redacted]. No valid Change of Circumstance or Lender cure was found in the file. | Reviewer Comment (2026-07-29): [redacted] received a valid COC. Buyer Comment (2026-07-27): There is a CU score of[redacted] . Because of this, the appraisal review was required. Please clear condition. |
07/29/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225908911 | [Redacted] | [Redacted] | 36976422 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Policy Amount is not provided in the Title Preliminary document. | Reviewer Comment (2026-07-22): Revalidated data from Title Supplement document. Exception Cleared. Buyer Comment (2026-07-20): see [redacted] pg [redacted] |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 225909703 | [Redacted] | [Redacted] | 37000108 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Document Translation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Document Translation Fee of $[redacted]was added after initial Loan Estimate was provided. No valid Change of Circumstance or evidence of Lender Cure was found in the file. | Reviewer Comment (2026-08-05): [redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-08-03): please see attached docs. translation fee added to[redacted] LE due to closing documents needing to be translated for the borrower Buyer Comment (2026-08-03): please see attached docs. translation fee added to [redacted] LE due to closing documents needing to be translated for the borrower Reviewer Comment (2026-07-30): [redacted] received updated LE and COC dated [redacted] . However, provided COC does not sufficiently explain the reason for the document translate fee was added. Additionally, below rebuttal comment indicates program changed. Please provide supporting documentation and detailed explanation on how the program change impacted to add the fee or Cure is required to borrower. Buyer Comment (2026-07-29): please see attached[redacted] LE\COC and [redacted] prior lock. fee was added due to program change |
08/05/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225911756 | [Redacted] | [Redacted] | 36974642 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-29): [redacted] received valid COC and supporting rate lock document for the program changed to increase the discount point fee. Buyer Comment (2026-07-27): lock form Reviewer Comment (2026-07-27): [redacted] received COC dated[redacted] which only states loan program has changed. However, we would require additional information for the loan program changed in order to clear the exception or cure due to borrower. Cure documents consist of Post CD,OX,Copy of refund check and proof of mailing. Buyer Comment (2026-07-23): Exception was needed for loan approval so LLPA was added. Reviewer Comment (2026-07-22): [redacted] Received COC dated [redacted] states loan program change; however, require detail information about program change and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-07-21): coc |
07/29/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225912365 | [Redacted] | [Redacted] | 36979254 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-31): Econsent received. Buyer Comment (2026-07-29): please see attached econsent |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225912365 | [Redacted] | [Redacted] | 36979334 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MS | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225912365 | [Redacted] | [Redacted] | 36979335 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MS | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225914347 | [Redacted] | [Redacted] | 36974855 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | [redacted] | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225914357 | [Redacted] | [Redacted] | 36981860 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. ([redacted]) | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225914358 | [Redacted] | [Redacted] | 36975048 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | An account history provided for the Business Svgs acct ending in [redacted]reflects a transfer of $[redacted]from the account to the borrower's Every Day checking account with the same bank; however, there is not updated account history for the checking account to show the transfer and the resulting balance in the account. Without these funds the borrower is short funds to close and cover the required reserves. | Reviewer Comment (2026-07-31): Received updated bank statement & reserve updated correctly. Exception cleared. Buyer Comment (2026-07-30): It was delivered at [redacted] , but the format is unreadable. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225914358 | [Redacted] | [Redacted] | 36975084 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee added without a valid change in circumstance. Cure was not provided at closing. | Reviewer Comment (2026-08-03): [redacted] received PCCD and LOE moving the fee to sec [redacted] Buyer Comment (2026-07-30): Survey fee not lender required, required by the sales contract Buyer Comment (2026-07-30): PCCD |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225914358 | [Redacted] | [Redacted] | 36975090 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | An account history provided for the Business Svgs acct ending in [redacted] reflects a transfer of $[redacted] from the account to the borrower's Every Day checking account with the same bank; however, there is not updated account history for the checking account to show the transfer and the resulting balance in the account. Without these funds the borrower is short funds to close and cover the required reserves. | Reviewer Comment (2026-07-31): Received updated bank statement & reserve updated correctly. Exception cleared. Buyer Comment (2026-07-30): Statement submitted |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225914358 | [Redacted] | [Redacted] | 36975103 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall finding due to the funds issue. | Reviewer Comment (2026-07-31): Received updated bank statement & reserve updated correctly. Exception cleared. Buyer Comment (2026-07-30): Statement submitted |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225914358 | [Redacted] | [Redacted] | 37002123 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | An account history provided for the Business Svgs acct ending in [redacted]reflects a transfer of $[redacted]from the account to the borrower's Every Day checking account with the same bank; however, there is not updated account history for the checking account to show the transfer and the resulting balance in the account. Without these funds the borrower is short funds to close and cover the required reserves. | Reviewer Comment (2026-07-31): Received updated bank statement & reserve updated correctly. Exception cleared. Buyer Comment (2026-07-30): statement submitted |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225914358 | [Redacted] | [Redacted] | 37002137 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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 funds issue. | Reviewer Comment (2026-07-31): Received updated bank statement & reserve updated correctly. Exception cleared. Buyer Comment (2026-07-30): statement submitted |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225914358 | [Redacted] | [Redacted] | 37006256 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to the funds issue. | Reviewer Comment (2026-07-31): Received updated bank statement & reserve updated correctly. Exception cleared. Buyer Comment (2026-07-30): statement submitted |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225914362 | [Redacted] | [Redacted] | 36975219 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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 Fee increased with no valid Change of Circumstance or evidence of Lender Cure found in the file. | Reviewer Comment (2026-07-28): [redacted] received a valid COC. Buyer Comment (2026-07-24): there were [redacted] loan amount increases, the extension fee was added due to the lock expiring, i have uploaded the supporting cods for [redacted] an [redacted] Buyer Comment (2026-07-24): there were [redacted] loan amount increases, the extension fee was added due to the lock expiring, i have uploaded the supporting cods for [redacted] an[redacted] |
07/28/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225914362 | [Redacted] | [Redacted] | 36975220 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee was added with no valid Change of Circumstance or evidence of Lender Cure found in the file. | Reviewer Comment (2026-07-28): [redacted] received a valid COC. Buyer Comment (2026-07-24): there were [redacted] loan amount increases, the extension fee was added due to the lock expiring, i have uploaded the supporting cods for [redacted] an [redacted] to trl docs |
07/28/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225914365 | [Redacted] | [Redacted] | 36983074 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-31): Received Hazard Insurance Policy. Exception cleared. Buyer Comment (2026-07-29): HOI |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225914365 | [Redacted] | [Redacted] | 36986566 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-31): Received Disclosure Tracking Summary for E-Sign Consent. Exception cleared. Buyer Comment (2026-07-29): E-Sign Consent Buyer Comment (2026-07-29): See [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225914365 | [Redacted] | [Redacted] | 36986622 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-08-03): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-31): Original file and zoomed in [redacted] version Reviewer Comment (2026-07-31): Received bank statement Doc ID [redacted] and [redacted] statement Doc ID [redacted] are not legible. Exception remains. Buyer Comment (2026-07-29): See upload and See [redacted] . [redacted] account has balance of $[redacted] . [redacted] $[redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225914365 | [Redacted] | [Redacted] | 36986740 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Calculated Available for Reserves of $[redacted]is less than Guideline Available for Reserves of [redacted] months. | Reviewer Comment (2026-08-03): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-31): See uploads Reviewer Comment (2026-07-31): Received bank statement Doc ID [redacted] and [redacted] statement Doc ID [redacted] are not legible. Exception remains. Buyer Comment (2026-07-29): See upload and See [redacted] .[redacted] has balance of $[redacted] . [redacted] $[redacted] [redacted] |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225914365 | [Redacted] | [Redacted] | 36986741 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Additional asset required to meet [redacted]months of reserve requirement. | Reviewer Comment (2026-08-03): Received asset documents are satisfying the reserves requirement. Exception cleared. Buyer Comment (2026-07-31): See uploads Reviewer Comment (2026-07-31): Received bank statement Doc ID [redacted] and [redacted] statement Doc ID [redacted] are not legible. Exception remains. Buyer Comment (2026-07-29): See upload and See [redacted] . [redacted] account has balance of $[redacted] . [redacted] $[redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919105 | [Redacted] | [Redacted] | 36997277 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification document proof of non-US status is missing in file. | Reviewer Comment (2026-07-24): Received [redacted] Worker Document verified and associated. Exception cleared. Buyer Comment (2026-07-22): see [redacted] pg [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225919105 | [Redacted] | [Redacted] | 36997280 | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | - | [redacted]: Missing verification of borrower's identity. | Reviewer Comment (2026-07-24): Received[redacted] Worker Document verified and associated. Exception cleared. Buyer Comment (2026-07-22): see [redacted] pg [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | |||||||||||||
| 225919105 | [Redacted] | [Redacted] | 36997300 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Loan is to be securitized; secondary valuation is missing. | Reviewer Comment (2026-07-28): CDA, cleared Buyer Comment (2026-07-27): CDA |
07/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225919105 | [Redacted] | [Redacted] | 36997306 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-07-24): Condos: A condo questionnaire for with a limited review is not required. Only for a non warrantable condo or a full review. Buyer Comment (2026-07-22): this was not required. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | |||||||||||||
| 225919105 | [Redacted] | [Redacted] | 36997308 | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., [redacted]) and evidence of at least [redacted]months of Operating History is not present in the loan file. | Short-term rental used consistently as a seasonal or vacation rental requires at least [redacted] months of operating history; this is missing in file. | Reviewer Comment (2026-07-24): Qualified Income as per Market Rent available in appraisal Report. Exception Cleared. Buyer Comment (2026-07-22): we used the amount based on the apprasial report |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225919106 | [Redacted] | [Redacted] | 36997084 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | EIN document is missing for [redacted]. | Reviewer Comment (2026-07-23): Employer Identification Number (EIN), cleared Buyer Comment (2026-07-22): [redacted] |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225919106 | [Redacted] | [Redacted] | 36997085 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of identification is missing for borrower. | Reviewer Comment (2026-07-23): Notice of Action, cleared Buyer Comment (2026-07-22): [redacted] |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225919106 | [Redacted] | [Redacted] | 36997087 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US citizen is missing for borrower. | Reviewer Comment (2026-07-23): Notice of Action, cleared Buyer Comment (2026-07-22): see uploaded |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225919112 | [Redacted] | [Redacted] | 37007542 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] loan documentation is missing. | Reviewer Comment (2026-08-04): Received Final CD for bridge loan. Exception Cleared. Buyer Comment (2026-07-31): please see attached bridge cd for [redacted] |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919120 | [Redacted] | [Redacted] | 36997127 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent is missing. | Reviewer Comment (2026-07-28): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-07-27): econsent upld |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919120 | [Redacted] | [Redacted] | 36997128 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided. | Reviewer Comment (2026-07-28): Received Hazard Insurance Policy with Replacement Cost Estimator. Exception cleared. Buyer Comment (2026-07-27): hoi & rce upld |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919121 | [Redacted] | [Redacted] | 36997032 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-07-24): Received E-sign Consent Agreement. Exception Cleared. Buyer Comment (2026-07-22): audit trail |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919123 | [Redacted] | [Redacted] | 37005996 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted]items #[redacted]and #[redacted]reflects [redacted] [redacted]financing and judgment with outstanding balances in the amount of $TBD. HUD 1 does not reflect payoff of [redacted] [redacted]lien and judgment. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-05): Doc # [redacted] provided Buyer Comment (2026-08-03): please see attached [redacted] for solar panels and title email confirming child support judgement will have no negative impact on final title |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919124 | [Redacted] | [Redacted] | 36996995 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225919191 | [Redacted] | [Redacted] | 36997386 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225919361 | [Redacted] | [Redacted] | 36997591 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | 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 | Non QM | Non QM | Yes | ||||||||||
| 225919361 | [Redacted] | [Redacted] | 36997592 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | Reviewer Comment (2026-07-24): Revalidated Compliance Question. Exception Cleared. Buyer Comment (2026-07-22): Rate was not locked until [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919404 | [Redacted] | [Redacted] | 36997331 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225919404 | [Redacted] | [Redacted] | 36997332 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225919967 | [Redacted] | [Redacted] | 36997428 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-29): Received Cleared. Buyer Comment (2026-07-27): please cancel, the bwr email is on [redacted] confirming the fee. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225919967 | [Redacted] | [Redacted] | 36997441 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted] - No evidence of required counseling disclosure language per [redacted]. | No evidence of required counseling disclosure language per [redacted] | Reviewer Comment (2026-07-29): Document received. Buyer Comment (2026-07-27): counseling disclosures upld |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225919967 | [Redacted] | [Redacted] | 37084691 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | C | A | C | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225920061 | [Redacted] | [Redacted] | 36997955 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Guaranty 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 (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225920147 | [Redacted] | [Redacted] | 37007342 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Policy is not effective until disbursement date. | Reviewer Comment (2026-08-03): Received Final ALTA confirms disbursement date[redacted] matches effective date of Hazard [redacted] . Exception cleared. Buyer Comment (2026-07-31): please see attached stamped ALTA confirming [redacted] disbursement date. loan is considered in affect\ownership transferred\complete upon disbursement date, as this is the date when the mortgage is available to go on record. in addition, hoi policy states "policy period begins at time of closing.." |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225920419 | [Redacted] | [Redacted] | 37007001 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-07-24): As per provided document [redacted] , data revalidated. Exception Cleared. Buyer Comment (2026-07-22): See [redacted] pg [redacted] |
07/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 225920553 | [Redacted] | [Redacted] | 37006469 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-30): Property is free and clear no HOI required.Exception cleared. Buyer Comment (2026-07-28): please clear, property is owned free & clear, there is no hoi |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225920553 | [Redacted] | [Redacted] | 37006507 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post [redacted], the subject property is in a flood zone, flood insurance is not escrowed. | Reviewer Comment (2026-07-28): Information re-validated as per Condo Master policy document, flood coverage is included in it. Exception Cleared. Buyer Comment (2026-07-24): please clear, this is a condo, master policy is on [redacted] that reflects flood coverage is included |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | C | A | C | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225920610 | [Redacted] | [Redacted] | 37006939 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Closing Statement in file is missing the Settlement and Disbursement date. | Reviewer Comment (2026-07-27): Document provided Buyer Comment (2026-07-23): final statement didn't require a date. There is a date listed on the top of the document. Reviewer Comment (2026-07-22): The final settlement statement is not dated Buyer Comment (2026-07-22): final settlement statement |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225921073 | [Redacted] | [Redacted] | 37007068 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | Approval reflects higher loan amount, PITIA and rate with DSCR of [redacted] | Reviewer Comment (2026-07-24): Received Rent roll and UW Worksheet for DSCR calculation. Exception cleared. Buyer Comment (2026-07-22): DSCR worksheet and [redacted] Buyer Comment (2026-07-22): We are using the [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225921129 | [Redacted] | [Redacted] | 37007604 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225921584 | [Redacted] | [Redacted] | 37007607 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-31): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-07-30): Please see attached. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225921584 | [Redacted] | [Redacted] | 37007608 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-31): Received Hazard Insurance Policy. Exception cleared Buyer Comment (2026-07-30): Please see attached. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225921595 | [Redacted] | [Redacted] | 37007672 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225921595 | [Redacted] | [Redacted] | 37007673 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: | As per Final Closing Disclosure, there are two appraisal reports, two different appraisal invoices also present in the file. The second appraisal report was not found in file. | Reviewer Comment (2026-07-30): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-07-28): please clear, the appraisal in the file is the appraisal used for the loan. The original appraisal was deemed deficient by our Chief Appraiser, therefore, a second replacement appraisal was ordered. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225924991 | [Redacted] | [Redacted] | 37018072 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided | Borrower is a foreign national | Reviewer Comment (2026-07-24): Received alternative credit documentation. Exception Cleared. Buyer Comment (2026-07-22): [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225925001 | [Redacted] | [Redacted] | 37007718 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-30): Received secondary valuation. Condition cleared. Buyer Comment (2026-07-23): [redacted] valuation upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | C | A | A | A | C | A | N/A | No | ||||||||||||||
| 225925063 | [Redacted] | [Redacted] | 37007994 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Preliminary Title Report in the file indicates insufficient policy coverage. Provide evidence of title with adequate policy coverage to meet the required amount. | Reviewer Comment (2026-08-04): Received Final Title Policy with policy amount $[redacted] . Exception cleared. Buyer Comment (2026-08-03): title |
08/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | ID | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225925063 | [Redacted] | [Redacted] | 37007999 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not found in file. | Reviewer Comment (2026-08-04): Received Final Title Policy with policy amount $[redacted] . Exception cleared. |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | ID | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225925112 | [Redacted] | [Redacted] | 37008092 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | [redacted] loan Closing Disclosure is missing from the file. | Reviewer Comment (2026-07-28): Received CD. Exception cleared. Buyer Comment (2026-07-24): bridge cd upld |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225925113 | [Redacted] | [Redacted] | 37007869 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | Required VVOE within [redacted]business days prior to closing. | Reviewer Comment (2026-07-31): Verbal verification of employment received within [redacted] business days prior to closing. Buyer Comment (2026-07-29): See [redacted] |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225925115 | [Redacted] | [Redacted] | 37007978 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | Verification of Rent was not found in file. | Reviewer Comment (2026-07-24): Borrower currently on rent pay history document present for [redacted] months. Exception Cleared. Buyer Comment (2026-07-22): See [redacted] pg [redacted] |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225939190 | [Redacted] | [Redacted] | 37033309 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Missing a valid COC or sufficient lender cure. | Reviewer Comment (2026-07-30): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-29): pccd docs balancing with final ss upld, the recording fees decreased to $[redacted] , final ss is on [redacted] -[redacted] |
07/30/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| 225945285 | [Redacted] | [Redacted] | 37019837 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225945285 | [Redacted] | [Redacted] | 37019838 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225956296 | [Redacted] | [Redacted] | 37029764 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing copy of final title policy document. | Reviewer Comment (2026-07-29): Received Final Title Policy is verified and associated, exception cleared. |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | Non QM | No | |||||||||||
| 225956296 | [Redacted] | [Redacted] | 37029765 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Provided title commitment policy amount of $[redacted]is less than the note amount of $[redacted]based on the commitment in file. Required sufficient coverage commitment policy. | Reviewer Comment (2026-07-29): Received Final Title Policy is verified and associated, exception cleared. Buyer Comment (2026-07-28): final policy with correct insured amt upld |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | Non QM | No | |||||||||||
| 225956393 | [Redacted] | [Redacted] | 37030111 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225961121 | [Redacted] | [Redacted] | 37043519 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-30): Final title policy received and verified. Exception cleared. |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225961121 | [Redacted] | [Redacted] | 37043525 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Proposed insured amount is less than final loan amount. Please provide final policy with coverage equal to the loan amount | Reviewer Comment (2026-07-30): Title policy amount updated. Exception cleared. Buyer Comment (2026-07-28): final policy upld |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225961121 | [Redacted] | [Redacted] | 37043722 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | Reviewer Comment (2026-07-30): Qualification method corrected. Exception cleared. Buyer Comment (2026-07-29): clarify what you are needing to clear this |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225961121 | [Redacted] | [Redacted] | 37043723 | 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 [redacted] business days from transaction date of [redacted]. | Reviewer Comment (2026-08-03): Updated Closing statement received, exception cleared. Buyer Comment (2026-07-30): the pages were indexed incorrect on your end, please see pages [redacted] , [redacted] , [redacted] , [redacted] for the full ss marked certified and reflecting the property address. Reviewer Comment (2026-07-30): Unable to verify the property address from the provided document. Required Document in accurate format. Exception remains Buyer Comment (2026-07-28): cert copy of final ss upld, loan disbursed[redacted] |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | B | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225961121 | [Redacted] | [Redacted] | 37043740 | 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]). | 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 $[redacted] threshold. Disclosed Amount Financed on page [redacted]is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted] | Reviewer Comment (2026-08-03): [redacted] received lender attestation that [redacted] fee was primarily for confirming & verifying the information in the appraisal Buyer Comment (2026-07-31): rebuttal upld Reviewer Comment (2026-07-29): [redacted] fee is excludable if it is primarily for services related to items listed in [redacted] such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the [redacted] fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a [redacted] excludable service, the entire fee may be treated as a finance charge. Buyer Comment (2026-07-28): please re-calculate your finance charge, the appraisal management fee ($[redacted] ) is primarily for confirming and verifying the information contained in the appraisal, and therefore it can be excluded from APR testing. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225961128 | [Redacted] | [Redacted] | 37046046 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-30): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-28): econsent and proof disclosures were also sent regular mail upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225961905 | [Redacted] | [Redacted] | 37045715 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | This is a second-home transaction, and as per 1003 declarations, the borrower will occupy this property. | Reviewer Comment (2026-07-30): Received updated 1003 is verified and associated, exception cleared. Buyer Comment (2026-07-28): 1003 |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961905 | [Redacted] | [Redacted] | 37047159 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225965011 | [Redacted] | [Redacted] | 37043245 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided E-sign consent agreement document. | Reviewer Comment (2026-07-29): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-07-28): audit trail |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225965209 | [Redacted] | [Redacted] | 37044121 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan [redacted] Test | TILA HPML appraisal Rule (Dodd-Frank 2014): [redacted] requirements not satisfied. | Reviewer Comment (2026-08-04): Revalidated the primary appraisal and confirmed the valuation approach used. Exception cleared. Buyer Comment (2026-07-31): [redacted] |
08/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965209 | [Redacted] | [Redacted] | 37044137 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. | - | Co-borrower credit scores required. | Reviewer Comment (2026-08-04): Revalidated the information and confirmed that the applicant providing income meets the tradeline or credit score requirements. Exception cleared. Buyer Comment (2026-07-31): The co-borrower is not contributing income for qualification purposes; therefore, she is not required to meet the tradeline or credit score requirements. Qualification is based solely on the primary borrower's income and credit profile. Accordingly, this condition is not applicable and should be cleared. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225965875 | [Redacted] | [Redacted] | 37048581 | 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]). | The Finance charges disclosed on Final Closing Disclosure as $[redacted]. The calculated Finance Charge is $[redacted], for an over-disclosed amount of $[redacted]. Reason for Finance Charge over disclosure is unknown. | Reviewer Comment (2026-08-03): [redacted] received lender clarification that Title-tax cert & tax report fee are [redacted] fee. Buyer Comment (2026-07-31): The tax pick up fee is also a [redacted] fee and not a finance charge. We should only be over [redacted] . Please confirm. Reviewer Comment (2026-07-31): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: 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] ). (Final/[redacted] Reviewer Comment (2026-07-31): After confirmation that the Tax Certificate Fee is a [redacted] fee, the fee can be eliminated from the finance charge calculation. However, the Title - Tax Pick up fee is tested as a finance charge. Finance charge is now underdisclosed in the amount of $[redacted] . Buyer Comment (2026-07-30): Please see attached email from title which confirms the tax fees are one times fees. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225965880 | [Redacted] | [Redacted] | 37048502 | Compliance | Compliance | Federal Compliance | Cross Collateralized | Cross Collateralized Mortgage Loan | There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value. | Reviewer Comment (2026-07-28): There is only one property securing the repayment of this loan and loan is not Cross collateralized. Exception cleared. Buyer Comment (2026-07-24): Can you clarify what is needed for cure this? |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965880 | [Redacted] | [Redacted] | 37048505 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225965880 | [Redacted] | [Redacted] | 37048506 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225965962 | [Redacted] | [Redacted] | 37048728 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-28): Cleared. Added RCE noted on the policy. Buyer Comment (2026-07-24): Please see the HOI policy, it has the replacement cost verbiage required and per [redacted] an RCE is no longer required. Please cancel this invalid condition |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225966027 | [Redacted] | [Redacted] | 37045029 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-07-28): E-sign Consent Agreement received in file. Exception Cleared. Buyer Comment (2026-07-24): Audit Trail |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225966030 | [Redacted] | [Redacted] | 37044743 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-30): [redacted] supports value, File has[redacted] valuations on file. Buyer Comment (2026-07-28): please see cda on [redacted] that supports value, this was done after the AVM didn't support the value. |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | OK | Investment | Purchase | B | A | A | A | A | A | B | A | N/A | N/A | No | |||||||||||
| 225966031 | [Redacted] | [Redacted] | 37039328 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Permanent Resident Card / Passport / Visa is missing for both the borrowers. | Reviewer Comment (2026-07-27): Permanent Resident cards received, cleared Buyer Comment (2026-07-27): pr cards |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225966128 | [Redacted] | [Redacted] | 37045007 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance document is missing. | Reviewer Comment (2026-08-03): Hazard Insurance document received and verified. Exception cleared. Buyer Comment (2026-07-31): hoi upld |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225966328 | [Redacted] | [Redacted] | 37048649 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Provided Flood Cert Zip Code address does not match Note address. | Reviewer Comment (2026-07-28): Flood Cert Zip Code updated, cleared Buyer Comment (2026-07-27): flood cert |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225974054 | [Redacted] | [Redacted] | 37057914 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225974054 | [Redacted] | [Redacted] | 37062287 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] [redacted] Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Rate [redacted]+ [redacted]%. Compliant [redacted] Loan. | No | 1 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| 225974071 | [Redacted] | [Redacted] | 37058421 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review Fee was $[redacted]disclosed on initial Loan Estimate, but $[redacted]was disclosed on Closing Disclosure. Sufficient cure was provided on file. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225974085 | [Redacted] | [Redacted] | 37107481 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225974369 | [Redacted] | [Redacted] | 37059438 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Credit Report Fee increased to $[redacted]without a valid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225985192 | [Redacted] | [Redacted] | 37064204 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-05): Received appraisal receipt. Buyer Comment (2026-08-03): aprsl receipt upld to trl docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225985192 | [Redacted] | [Redacted] | 37064205 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. (Type:Primary/[redacted]) | Reviewer Comment (2026-08-05): Received appraisal receipt. Buyer Comment (2026-08-03): aprsl receipt upld |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225985192 | [Redacted] | [Redacted] | 37064218 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Document provided in file is a quote. No binder or policy was found in the file. | Reviewer Comment (2026-08-05): EOI received. Buyer Comment (2026-08-03): hoi/rce upld |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225986253 | [Redacted] | [Redacted] | 37071331 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-31): Econsent received. Buyer Comment (2026-07-29): Please see attached. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225986268 | [Redacted] | [Redacted] | 37071477 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | Recording Fee increased to $[redacted]without a valid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-07-25): Sufficient Cure Provided At Closing |
07/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225987099 | [Redacted] | [Redacted] | 37071535 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-08-05): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-08-04): pccd docs and proof sent to bwr upld |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225987099 | [Redacted] | [Redacted] | 37071536 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Sewer Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-08-05): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-08-04): pccd docs and proof sent to bwr upld to trl docs |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994097 | [Redacted] | [Redacted] | 37072085 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent was not found in file. | Reviewer Comment (2026-08-06): Taxpayer Consent confirmed on the Final Application. Revalidated. Exception cleared. Buyer Comment (2026-08-05): please cancel, this information if on the final 1003, section [redacted] . |
08/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994097 | [Redacted] | [Redacted] | 37072087 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Date was not given on the provided Business entity document. | Reviewer Comment (2026-08-06): Received documentation confirming the Business Entity listing date. Exception cleared. Buyer Comment (2026-08-05): date stamped screen shot showing we pulled the cert on[redacted] upld |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994097 | [Redacted] | [Redacted] | 37072103 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall income document third-party verification requirement was not met. | Reviewer Comment (2026-08-06): Received documentation confirming the Business Entity listing date. Exception cleared. Buyer Comment (2026-08-05): date stamped screen shot showing we pulled the cert on[redacted] upld to trl docs |
08/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994097 | [Redacted] | [Redacted] | 37072104 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | Waterfall income document third-party verification requirement was not met. | Reviewer Comment (2026-08-06): Received documentation confirming the Business Entity listing date. Exception cleared. Buyer Comment (2026-08-05): date stamped screen shot showing we pulled the cert on [redacted] upld to trl docs |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994481 | [Redacted] | [Redacted] | 37072831 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-07-31): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-07-30): Please see the final CD, the credit is on the final closing disclosure. please cancel invalid condition. |
07/31/2026 | 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 | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994481 | [Redacted] | [Redacted] | 37119705 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225998066 | [Redacted] | [Redacted] | 37071825 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([redacted], [redacted], etc.) not provided | Vacation Rental Income statement ([redacted]) not provided in file. | Reviewer Comment (2026-07-31): Short term rental rent schedule, cleared Buyer Comment (2026-07-30): Please see attached. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225998511 | [Redacted] | [Redacted] | 37072308 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing Signed Final HUD/Closing Disclosure in the Loan file. | Reviewer Comment (2026-07-31): Signed Final Closing Statement, cleared Buyer Comment (2026-07-30): Fss |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225999029 | [Redacted] | [Redacted] | 37080826 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-08-03): Received Hazard insurance policy with sufficient coverage. Exception cleared. Buyer Comment (2026-07-30): HOI |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225999029 | [Redacted] | [Redacted] | 37080836 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-08-03): Received Title supplement report with sufficient coverage amount. Exception cleared. Buyer Comment (2026-07-30): title supplement |
08/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225999029 | [Redacted] | [Redacted] | 37080852 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-03): Received E-Sign Consent. Exception cleared. Buyer Comment (2026-07-30): E-consent |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225999032 | [Redacted] | [Redacted] | 37096112 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The loan file contains the alert summary report but not a copy of the fraud report. | Reviewer Comment (2026-08-04): Fraud Report - cleared Buyer Comment (2026-08-03): [redacted] Manager |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225999038 | [Redacted] | [Redacted] | 37076501 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the APR. | Page [redacted]of Final Closing Disclosure i has not been provided in file. | Reviewer Comment (2026-08-07): [redacted] received [redacted] full copy of CD Buyer Comment (2026-08-06): full copy if final signed cd upld |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999038 | [Redacted] | [Redacted] | 37076502 | 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] did not disclose the Finance Charge. | Page [redacted]of Final Closing Disclosure i has not been provided in file. | Reviewer Comment (2026-08-07): [redacted] received[redacted] full copy of CD Buyer Comment (2026-08-06): full copy if final signed cd upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999038 | [Redacted] | [Redacted] | 37076503 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Page [redacted]of Final Closing Disclosure i has not been provided in file. | Reviewer Comment (2026-08-07): [redacted] received[redacted] full copy of CD Buyer Comment (2026-08-06): full copy if final signed cd upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999038 | [Redacted] | [Redacted] | 37076504 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Total of Payments. | Page [redacted]of Final Closing Disclosure i has not been provided in file. | Reviewer Comment (2026-08-07): [redacted] received [redacted] full copy of CD Buyer Comment (2026-08-06): full copy if final signed cd upld to trl docs |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999038 | [Redacted] | [Redacted] | 37097887 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-08-07): Cash flow analysis associated. Exception cleared. Buyer Comment (2026-08-06): please see cash flow analysis on [redacted] , page [redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225999038 | [Redacted] | [Redacted] | 37097890 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-08-07): Cash flow analysis associated. Exception cleared. Buyer Comment (2026-08-06): please see cash flow analysis on [redacted] , page [redacted] |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999038 | [Redacted] | [Redacted] | 37097891 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet {redacted] or more guideline comp{redacted]nts which could impact the borrower's ability to repay. | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-08-07): Cash flow analysis associated. Exception cleared. Buyer Comment (2026-08-06): please see cash flow analysis on [redacted] , page [redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225999038 | [Redacted] | [Redacted] | 37097892 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): 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.) | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-08-07): Cash flow analysis associated. Exception cleared. Buyer Comment (2026-08-06): please see cash flow analysis on [redacted] , page [redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225999038 | [Redacted] | [Redacted] | 37097907 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | File is missing cash flow analysis/CPA letter indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-08-07): Cash flow analysis associated. Exception cleared. Buyer Comment (2026-08-06): please see cash flow analysis on [redacted] , page [redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225999066 | [Redacted] | [Redacted] | 37084612 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:{redacted] 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. | Final Lender Credit decreased from $[redacted]to $-[redacted]without a valid change of circumstance. Cure was not provided at closing. | Reviewer Comment (2026-08-04): [redacted] received rebuttal suffice Buyer Comment (2026-08-03): The credit decreased due to the Lender Paid Mortgage Tax going doing. The lender credit was to cover that fee. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226001271 | [Redacted] | [Redacted] | 37084244 | 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 [redacted] business days from transaction date of [redacted]. | Subject loan transaction disbursed on [redacted], prior to[redacted] business days from transaction date of [redacted] | Reviewer Comment (2026-08-07): [redacted] so disb[redacted] Buyer Comment (2026-08-05): pccd docs with proof sent to bwr and final ss upld, loan disbursed[redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226001271 | [Redacted] | [Redacted] | 37084245 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-07): Received Final Title Policy with policy amount $[redacted] . Exception cleared. |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226001271 | [Redacted] | [Redacted] | 37084249 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-08-07): Received Final Title Policy with policy amount $[redacted] . Exception cleared. Buyer Comment (2026-08-05): final policy upld |
08/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226002742 | [Redacted] | [Redacted] | 37103002 | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post [redacted], the subject property is in a flood zone, flood insurance is not escrowed. | Reviewer Comment (2026-08-03): Master policy available, flood not considered under DTI. Exception cleared. Buyer Comment (2026-07-31): master policy with flood insurance upld, escrow not required |
08/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Cash-out - Other | Provide evidence the escrow account was established for the flood insurance, LOE, Corrected IEAD, corrected PCCD (if applicable) | B | A | A | A | B | A | A | A | N/A | N/A | Yes | ||||||||||
| 226002751 | [Redacted] | [Redacted] | 37095669 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226003016 | [Redacted] | [Redacted] | 37116902 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] ([redacted]) days of application. | ARM loan program disclosure was not provided to the borrower within [redacted]days of application. | Reviewer Comment (2026-08-07): Updated application date. Buyer Comment (2026-08-05): rebuttal, [redacted] is within [redacted] days of [redacted] . Initial disclosure and ARM disclosure were both signed on the application date. Reviewer Comment (2026-08-05): Initial Creditor application date is[redacted] and ARM disclosure (dated [redacted] ) was not provided to borrower within [redacted] business days of application. Buyer Comment (2026-08-03): The ARM disclosure and initial 1003 were both signed on[redacted] . Received on the same day. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226003018 | [Redacted] | [Redacted] | 37097352 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-07-28): Sufficient Cure Provided At Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226003246 | [Redacted] | [Redacted] | 37105313 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1008 reflects a lender exception for landlord history waiver. Missing lender request and approval documents. | Reviewer Comment (2026-08-04): Received Lender exception. Exception Cleared. Buyer Comment (2026-07-31): Please see attached. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226005564 | [Redacted] | [Redacted] | 37106118 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID {redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee of $[redacted]was not disclosed to borrower on the initial CD. No valid change of circumstance or cure for borrower provided. | Reviewer Comment (2026-08-04): [redacted] received a valid COC. Buyer Comment (2026-08-03): coc |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226030366 | [Redacted] | [Redacted] | 37111997 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | {redacted] Percent Fee Tolerance was exceeded for the Appraisal Fee. The fee amount of $[redacted]exceeded the tolerance of $[redacted]with no change of circumstances, but a cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226032633 | [Redacted] | [Redacted] | 37113491 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226032633 | [Redacted] | [Redacted] | 37113492 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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. | No valid Change of circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-07-30): Sufficient Cure Provided At Closing |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226033660 | [Redacted] | [Redacted] | 37118594 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD document is missing in file | Reviewer Comment (2026-08-07): Received Final Settlement Statement. Exception Cleared. Buyer Comment (2026-08-06): [redacted] |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226036274 | [Redacted] | [Redacted] | 37143059 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal review 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 | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036301 | [Redacted] | [Redacted] | 37142150 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053952 | [Redacted] | [Redacted] | 37153250 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 | Non QM | Non QM | Yes | ||||||||||
| 226063349 | [Redacted] | [Redacted] | 37160955 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226063954 | [Redacted] | [Redacted] | 37172137 | Compliance | Compliance | Federal Compliance | TRID | TRID {redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: {redacted] 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 | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |