MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.2 - Schedule 1
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| Exception Grades | ||
| Run Date - 8/12/2026 6:04:01 PM |
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [Redact] | 9178904 | [Redact] | [Redact] | 33531742 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-07-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2025-07-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/11/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 9178904 | [Redact] | [Redact] | 33854875 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty | [Redacted] Prepayment Penalty: Maximum calculated prepay of [Redact] exceeds the state maximum of [Redacted]% of the original balance ([Redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum calculated prepay of [Redacted] exceeds the state maximum of [Redacted]% of the original balance ([Redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law | Reviewer Comment (2026-04-13): waived in error Reviewer Comment (2026-04-13): Seller removed the PPP. Revised Note, PCCD, Mortgage, and LOE to the borrower provided. Proof mortgage was re-recorded also provided. Reviewer Comment (2026-04-09): Seller removed the PPP. Revised Note, PCCD, Mortgage, and LOE to the borrower provided. Proof mortgage was re-recorded also provided. Seller Comment (2026-04-09): Please see attached recorded documents. Reviewer Comment (2026-04-09): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: [Redacted] Prepayment Penalty: Maximum calculated prepay of [Redacted] exceeds the state maximum of [Redacted]% of the original balance ([Redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. Reviewer Comment (2026-04-09): Seller removed the PPP. Revised Note, PCCD, Mortgage, and LOE to the borrower provided. Missing proof that the Mortgage and rider will be re-recorded. A lender's attestation will be acceptable. Seller Comment (2026-04-08): Please see attached signed documents to remove PPP. Reviewer Comment (2025-07-15): Sent to the compliance department for review. Seller Comment (2025-07-11): Compliance response: After reviewing the loan, it does appear that this is an investment property. There is a Business Purpose & Occupancy Affidavit showing that this property is for business use only which would allow the prepayment penalty charge to be applied in [Redacted]. |
04/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 9735355 | [Redact] | [Redact] | 34693974 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2025-12-09): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
12/12/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 9735355 | [Redact] | [Redact] | 35169255 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance coverage is insufficient by $[Redacted] provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-02-21): Declarations page provided identified "full repair costs" for a loss. Seller Comment (2026-02-18): The attached HOI policy show loss settlement as full repair costs. Reviewer Comment (2026-01-28): The "Reconstruction Cost with Debris Removal" is required to be used. The condition is valid and remains open. Seller Comment (2026-01-28): we were given the approval to use HOI Calc w/o debris removal. Please rereview. Reviewer Comment (2026-01-14): Provided the same hazard insurance and replacement cost estimator with a replacement cost value of $[Redacted]. However, an updated insurance copy is required reflecting the revised insured value of $[Redacted]. Exception Remains. Seller Comment (2026-01-13): hoi Reviewer Comment (2025-12-23): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. The RCE previously provided identified the replacement cost value of $[Redacted] and the revised insured value is $[Redacted] ([Redacted]% of the RCE). The declarations page verified coverage of $[Redacted], therefore the insurance is insufficient by $[Redacted]. Note: the lenders rebuttal used the RCE value of $[Redacted], which is the value without debris removal, the RCE with debris removal is required to be used to determine the coverage requirements. The condition is valid and remains open. Seller Comment (2025-12-23): Please see attached HOI calculation and policy, RCE previously uploaded. Seller Comment (2025-12-23): HOI calculation Seller Comment (2025-12-23): policy with $[Redacted] in coverage Reviewer Comment (2025-12-17): Provided RCE not supporting with dwelling coverage hence insurance 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. Exception Remains. Seller Comment (2025-12-16): RCE |
02/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9735355 | [Redact] | [Redact] | 35169940 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted] [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | The [Redacted] explains that the prepayment amount cannot exceed two month paid interest on the loan. However, the calculation of the Prepay Penalty states maximum prepayment amount is $[Redacted] | Reviewer Comment (2025-12-23): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2025-12-10): Elevated to the client for review Seller Comment (2025-12-09): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted] [Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |
12/23/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 9805442 | [Redact] | [Redact] | 35293885 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-23): Waived on Rate Lock: Collateral cleared by Custodian |
01/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9983783 | [Redact] | [Redact] | 35137629 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): (Rate Lock) [Redacted] |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 9983783 | [Redact] | [Redact] | 36265382 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9983783 | [Redact] | [Redact] | 36265388 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the guides, layered entities are ineligible. There is a lender exception approval in file; however a copy of the fully executed client exception approval is missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Reserves [Redacted] months where [Redacted] is required. ([Redacted]) | [Redact],Aggregator | Reviewer Comment (2026-04-14): Client elected to waive the condition with the following Compensating Factors: Reserves [Redacted] months where [Redacted] is required. ([Redacted]X) Credit Depth: [Redacted] years mortgage history [Redacted] years trade history paid as agreed. Property management experience: Managed multiple rental properties dating back to at least [Redacted]. ([Redacted] years) Seller Comment (2026-04-14): (Rate Lock) [Redacted] exception |
04/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10087534 | [Redact] | [Redact] | 35315712 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10089159 | [Redact] | [Redact] | 35339841 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-31): (Rate Lock) [Redacted] |
04/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10104229 | [Redact] | [Redact] | 35483891 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-02): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted]. |
04/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10146539 | [Redact] | [Redact] | 35681187 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-27): (Rate Lock) [Redacted] |
03/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10146539 | [Redact] | [Redact] | 36159920 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | 03/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10146539 | [Redact] | [Redact] | 36163585 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject transaction does not meet requirements for non-warrantable condo requirements Client exception approved made, however the fully executed exception approval was not in file. | Reviewer Comment (2026-04-15): Lender rebuttal reviewed, documentation obtained verifying project was FNMA approved and warrantable. Lender exception not needed. Seller Comment (2026-04-14): Well completing further and complete review of the file, the subject project "[Redacted]" is documented as a Fannie Mae Limited Review Established (Type Q) project, as evidenced by the Underwriting Certification of Eligibility for Condominiums on Page [Redacted] of [Redacted]([Redacted]). This classification confirms the project is warrantable and meets FNMA eligibility requirements. While prior comments referenced non-warrantable classification, the executed underwriting certification and project review documentation support a warrantable determination. Non-warrantable condo reserve requirements are not applicable to this transaction. The project eligibility has been fully documented and meets guideline requirements. Please Cancel. Reviewer Comment (2026-04-08): Client/Lender correspondence reviewed. The loan does not meet the Non-Warrantable Condo guidelines due to the HOA reserve requirement not being met. The client states even at [Redacted]% LTV (max for non-warrantable condos), they could not make the exception for the HOA reserves. The non-warrantable condo requirements were not met and the condition is valid. Seller Comment (2026-04-08): Attached communication with [Redacted] confirms no exception was required or approved, as the project met the [Redacted]% LTV threshold applicable to non-warrantable condo classifications. The loan was underwritten in compliance with product guidelines, which allow non-warrantable condominiums subject to LTV limitations. Please Cancel. Reviewer Comment (2026-04-07): The file contains conflicting information. The initial exception approval was due to the condo project being non-warrantable due to the project reserve requirement not met. However, the file also contains the lender's project review which identifies the project as warrantable. Agreed, the LTV of [Redacted]% met the non-warrantable condo requirements per the guides, but need confirmation whether the project is warrantable or non-warrantable. Seller Comment (2026-04-07): The exception referenced in this finding was not approved and was withdrawn, Per the Final 1008 reflects the loan was underwritten at [Redacted]% LTV, which aligns with guideline requirements. As the loan was adjusted to meet guidelines, the exception was no longer needed. Please Cancel. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10154386 | [Redact] | [Redact] | 35772955 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155792 | [Redact] | [Redact] | 35795985 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10155792 | [Redact] | [Redact] | 36207584 | Compliance | Compliance | State Compliance | State Defect | [Redacted]Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-07): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-04-03): Elevated to the client for review Seller Comment (2026-04-03): please forward to the buyer for review. this should be waived |
04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10155792 | [Redact] | [Redact] | 36207677 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Security Instrument provided is incomplete page [Redacted] is illegible and missing pages [Redacted] and [Redacted]. | Reviewer Comment (2026-04-07): Complete copy of the Deed of Trust provided Seller Comment (2026-04-03): mortgage |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10106525 | [Redact] | 35867009 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [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. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: [Redacted] Representative FICO: [Redacted] The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted]. |
[Redact],Aggregator Aggregator,[Redact] Aggregator |
Reviewer Comment (2026-04-07): Client elected to waive the condition with compensating factors. Reviewer Comment (2026-04-07): Waived in error Reviewer Comment (2026-03-17): Client elects to waive. Proof of no claims was submitted. Reviewer Comment (2026-03-13): Received email communication. Received same hazard insurance policy again. The Hazard Insurance Policy Effective Date [Redacted] is after the later of the note date [Redacted]. Please provide the hazard insurance policy within the note date. Exception Remains. Seller Comment (2026-03-12): Document Reviewer Comment (2026-03-03): Required Hazard Insurance Policy effective [Redacted]. For wet funding states, the policy must have an effective date on or prior to the closing/note date. Exception remains Seller Comment (2026-03-02): Attached is copy of Tax Cert from Title & copy of Tax Parcel Schedule by UW Reviewer Comment (2026-03-02): Received same documents which were available in file. The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Please Provide a revised homeowner's. Exception remains Seller Comment (2026-03-02): Insurance |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10106525 | [Redact] | 35867046 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-12): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-12): Document Reviewer Comment (2026-03-03): Required Tax Certificate for [Redacted]. Lender must provide a Tax Certificate supporting the tax value used to qualify. Exception Remains. Seller Comment (2026-03-02): Attached is copy of Tax Cert from Title & copy of Tax Parcel Schedule by UW Reviewer Comment (2026-03-02): Please Provide Tax certificate. Lender to provide tax certificate supporting value used to qualify for "[Redacted]. Exception remains Seller Comment (2026-03-02): Insurance |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867053 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded Reviewer Comment (2026-03-03): Required Tax Certificate for [Redacted]. Lender must provide a Tax Certificate supporting the tax value used to qualify. Exception Remains. Seller Comment (2026-03-02): Attached is copy of Tax Cert from Title & copy of Tax Parcel Schedule by UW should clear all exceptions |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867633 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-03-18): Received and associated Title Preliminary. Exception cleared. Seller Comment (2026-03-17): Uploaded. |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867660 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867667 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867668 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867670 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867671 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867672 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Underwriting conservatively used the purchase price for the adjusted tax amount to avoid a tax shortage post closing. Tax calc uploaded for clarification. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867681 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867687 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867690 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867693 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867697 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867698 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867713 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106525 | [Redact] | 35867717 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-18): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Tax Calcs for all properties uploaded on exception [Redacted] |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106529 | [Redact] | 35921606 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | 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] Representative FICO: [Redacted] |
[Redact],Aggregator Aggregator,[Redact] |
Reviewer Comment (2026-04-07): Client elected to waive the condition with compensating factors. Reviewer Comment (2026-04-07): Waived in error Reviewer Comment (2026-03-17): Client elects to waive. Proof of no claims submitted. Reviewer Comment (2026-03-13): Received an email however HOI policy is not provided within the note date [Redacted]. Exception Remains. Seller Comment (2026-03-12): Document |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10106587 | [Redact] | 35941718 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing documentation to verify the monthly taxes of $[Redacted] used to qualify. | Reviewer Comment (2026-03-12): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-12): Document Seller Comment (2026-03-11): Document Reviewer Comment (2026-03-04): Required tax Certificate supporting the tax value used to qualify for all the properties. Exception Remains. Seller Comment (2026-03-03): Tax Cert Uploaded |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106587 | [Redact] | 35941722 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing documentation to verify the monthly taxes of $[Redacted] used to qualify.. | Reviewer Comment (2026-03-19): Received and associated Tax Certificate. Exception Cleared. Seller Comment (2026-03-19): tax certs Reviewer Comment (2026-03-19): Received Property Summary, tax information is not available . Please provide the documentation to verify the monthly taxes of $[Redacted] lender used to qualify. Exception Remains. Seller Comment (2026-03-18): All tax certs uploaded. Reviewer Comment (2026-03-04): Required tax Certificate supporting the tax value used to qualify for all the properties. Exception Remains. Seller Comment (2026-03-03): Tax Cert Uploaded |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106587 | [Redact] | 35944978 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The assets verified were insufficient for the funds required to close and reserves. Per the HUD, the borrower needed $[Redacted] to close ($[Redacted] deposit + $[Redacted] additional deposit + $[Redacted] cash due at closing). Docs in file verified assets of $[Redacted]. Per the guides, reserves of $[Redacted] or [Redacted] months PITIA is required. | Reviewer Comment (2026-04-08): Proof of EMD provided; there are sufficient reserves verified. Seller Comment (2026-04-08): [Redacted] comments [Redacted]: I cancelled the condition for the insufficient funds to close. The reserve requirement was still not met. Assets are short by $[Redacted] and proof of the $[Redacted] EMD and source of EMD funds will clear the condition. [Redacted] Comments [Redacted]: Source of EMD Funds Uploaded. Reviewer Comment (2026-04-02): Updated comment: Upon further review, there were sufficient funds to close. However, the assets documented in file are still short to meet the reserve requirement of [Redacted] months PITIA or $[Redacted] by $[Redacted]. Note: the EMD of $[Redacted] was not documented in file. Provide proof of the EMD (wire/cancelled check) and the source and the EMD will be added to the assets and the reserve requirement will be met. Reviewer Comment (2026-04-02): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of 9.00. Reviewer Comment (2026-03-30): Provide proof of the disbursement to the title company for the funds from the dissolution of the LLC. This can be cleared with a copy of the wire confirmation or cancelled check or other proof of the funds sent to the title company. Seller Comment (2026-03-28): the amount was the equity held in the property, not an actual cash amount disbursed. It was an equity adjustment when releasing the properties from the partner dissolution. The money ($[Redacted]) is being paid to a specific entity ([Redacted])-not directly to an individual. It Is a "Distribution," Not a Payment for Services, this is not wages, fees or reimbursement, it is a return of ownership value to the entity membership interest. "On Account of Its Membership" the payment is made because the entity owns (or owned) an interest in the company. It represents the entity's: share of equity, capital account, profit participation, buyout amount. The payment is tied to ownership, not services. Confirms the entity is being paid in its capacity as a member and supports final capital account reconciliation. Reviewer Comment (2026-03-26): Per the Dissolution agreement of [Redacted] borrowers are receiving $[Redacted]. Please provide the bank statement/Check showing the receipt of the funds. Exception Remains. Seller Comment (2026-03-24): Funds provided via [Redacted] with partner dissolution and buyout agreement. Uploaded memo showing HUD, along with [Redacted] and Dissolution Agreements. Uploaded exception memo. Seller Comment (2026-03-24): Underwriting conservatively used the purchase price for the adjusted tax amount to avoid a tax shortage post closing for the newly acquired properties. Tax calc uploaded for clarification. Tax certs uploaded, but disregarded based on purchase transaction. Reviewer Comment (2026-03-19): Per the HUD, the borrower required $[Redacted] to close ($[Redacted] deposit + $[Redacted]additional deposit + $[Redacted] cash due at closing). The assets verified were insufficient to meet the required funds to close and the reserve requirements. Exception Remains. Seller Comment (2026-03-18): All bank statements & liquidity analysis uploaded. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106587 | [Redact] | 35945013 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing documentation to verify the monthly taxes of $[Redacted] used to qualify. | Reviewer Comment (2026-03-19): Received and associated Tax Certificate. Exception Cleared. Seller Comment (2026-03-19): tax calcs Reviewer Comment (2026-03-19): Received Property Summary, tax information is not available . Please provide the documentation to verify the monthly taxes of $[Redacted] lender used to qualify. Exception Remains. Seller Comment (2026-03-18): All Tax Certs Uploaded. Reviewer Comment (2026-03-04): Required tax Certificate supporting the tax value used to qualify for all the properties. Exception Remains. Seller Comment (2026-03-03): Tax Cert Uploaded |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106587 | [Redact] | 35951163 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | The file is missing a copy of the prelim title or title commitment | Reviewer Comment (2026-03-17): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-03-17): Title docs uploaded. Reviewer Comment (2026-03-05): Title final is already available. Please provide the Title Preliminary. Exception Remains. Seller Comment (2026-03-03): Title policy uploaded |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106587 | [Redact] | 35951175 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The purpose identified on all [Redacted] appraisals for the [Redacted] properties was "Refinance". The subject is a purchase. Provide revised appraisals for all [Redacted] properties correcting the purpose. | Reviewer Comment (2026-03-26): Appraisal with corrected loan purpose provided. Exception cleared. Seller Comment (2026-03-24): appraisals uploaded |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106587 | [Redact] | 36212629 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding non-arm's length transactions. | Subject transaction is a non-arms length transaction. The transaction is a partner buyout with the borrower ([Redacted]) and seller. Lender exception approval in file. | 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 Experience/Track Record |
Representative FICO: [Redacted] Borrower's Experience/Track Record. The borrower has: [Redacted] rental properties consisting of [Redacted] units |
[Redact] Originator,Aggregator,[Redact] Originator,Aggregator |
Reviewer Comment (2026-04-14): Client elected to waive the condition with compensating factors Reviewer Comment (2026-04-08): Elevated to the client for review Seller Comment (2026-04-08): Per [Redacted], to clear this comp factors are needed. Please see the following: Exception Approval based on the following Strengths/Mitigating Factors: (1) Net Worth: $[Redacted], (2) Verified Liquidity: $[Redacted], (3) Sponsors' mid FICO scores: [Redacted] & [Redacted], (4) experiences borrower with [Redacted]-rental properties consisting of [Redacted] -units held with ([Redacted]) additional properties held in various entities, (6) Low ~[Redacted]% LTV purchase transaction. |
04/14/2026 | Yes | 2 | B | B | B | B | B | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10106886 | [Redact] | 35865502 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Copy of Certificate of Good Standing is not available in file for business entity borrower. | Reviewer Comment (2026-04-09): Received Certificate of Good Standing. Exception Cleared. Seller Comment (2026-04-08): Cert of Good Standing Uploaded. Reviewer Comment (2026-03-12): Please provide the Certificate of Good Standing with Active status. Exception remains Seller Comment (2026-03-12): background report |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106886 | [Redact] | 35865531 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Copy of fraud report is missing for [Redacted]. | Reviewer Comment (2026-03-12): Received and associated Fraud Report. Exception cleared. Seller Comment (2026-03-12): background report Seller Comment (2026-03-12): Fraud report |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10106886 | [Redact] | 35865533 | Credit | Credit | Credit Documentation | Credit | [Redacted] was not checked and required per guidelines. | - | Copy of OFAC/fraud report is missing for [Redacted]. | Reviewer Comment (2026-03-12): Received and associated Fraud Report. Exception cleared. Seller Comment (2026-03-12): Fraud report |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10106886 | [Redact] | 35865536 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-17): Client ok to clear, Seller confirms non-warrantable. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10106926 | [Redact] | 35939010 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD not provided. | Reviewer Comment (2026-03-10): Closing statement provided Seller Comment (2026-03-09): Signed HUD. |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106926 | [Redact] | 36016219 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The closing statement was provided and after the funds required to close reduced the assets in file verified, the assets were insufficient to meet the [Redacted] month PITIA reserve requirement. Note: the file contains assets from other entities, but was missing proof of access to these funds. | Reviewer Comment (2026-03-23): Settlement statements from simultaneous refinances for the LLC provided. Sufficient reserves verified Seller Comment (2026-03-20): Respective HUD's and reference Liquidity Analysis to see the correct breakdown. Please review and let us know if you have any questions. Reviewer Comment (2026-03-12): Received same closing statement which was already available in file. The assets were insufficient to meet the [Redacted]-month PITIA reserve requirement. The file contains assets from other entities but was missing proof of access to these funds. Please provide the access letters to the business funds. Exception Remains. Seller Comment (2026-03-11): Document |
03/23/2026 | No | 1 | A | A | A | A | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| [Redact] | 10106928 | [Redact] | 35891034 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds not provided in the file. | Reviewer Comment (2026-03-11): Proof of access to funds provided |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10106928 | [Redact] | 35891035 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds not provided in the file. | Reviewer Comment (2026-03-11): Proof of access to funds provided |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10106928 | [Redact] | 35891037 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds not provided in the file. | Reviewer Comment (2026-03-11): Proof of access to funds provided |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10106928 | [Redact] | 35891039 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds not provided in the file. | Reviewer Comment (2026-03-11): Proof of access to funds provided |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10106928 | [Redact] | 35913951 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | - | The File was Missing the Secondary Valuation required for Securitization purposes. | Reviewer Comment (2026-03-11): Appraisal provided |
03/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106928 | [Redact] | 35913953 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | - | Property is located in [Redacted] a FEMA Disaster area and has not been inspected [Redacted]. [Redacted] |
Reviewer Comment (2026-03-11): Appraisal provided |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106928 | [Redact] | 35913954 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [Redacted] | Appraisal document is missing in the file. | Reviewer Comment (2026-03-11): Appraisal provided |
03/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106928 | [Redact] | 35913955 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax Certificate is missing in the file. | Reviewer Comment (2026-03-11): Tax cert provided |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106928 | [Redact] | 35913990 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | One appraisal is missing causing LTV to not meet guidelines. | Reviewer Comment (2026-03-11): Appraisal provided and data updated. Loan met the DSCR guideline requirements. |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| [Redact] | 10106965 | [Redact] | 35924893 | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-03-23): Replacement cost is higher than the loan amount and dwelling. Exception cleared. Seller Comment (2026-03-20): The EOI states policy is replacement cost; Furthermore the coverage is within [Redacted]% of the amount listed, this should be cleared. |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10156757 | [Redact] | [Redact] | 35808841 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-07): Waived on Rate Lock: Collateral cleared by Custodian |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10156766 | [Redact] | [Redact] | 35808864 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-01): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10156766 | [Redact] | [Redact] | 36194421 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-04-02): Earlier disclosure provided Seller Comment (2026-04-01): 3 day appraisal |
04/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10156766 | [Redact] | [Redact] | 36194422 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted] [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-02): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Seller Comment (2026-04-01): please forward to the Buyer for review. This condition should be waived. |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10157973 | [Redact] | [Redact] | 35815186 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-26): (Rate Lock) [Redacted] |
03/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10157973 | [Redact] | [Redact] | 36135609 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate not provided. | Reviewer Comment (2026-04-03): Received Flood Certificate. Exception cleared. Seller Comment (2026-04-02): Attached the Flood Certification. Please Clear. |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10157976 | [Redact] | [Redact] | 35816201 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10157984 | [Redact] | [Redact] | 35816874 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-30): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10157984 | [Redact] | [Redact] | 36147806 | Credit | Title | Document Error | Title | The 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. | The 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 | 03/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10159124 | [Redact] | [Redact] | 35835146 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10159127 | [Redact] | [Redact] | 35835184 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-31): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10091793 | [Redact] | 35842412 | 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 (2025-12-01): Received Articles of Organization/Formation. Exception Cleared Buyer Comment (2025-11-26): Attached is the Articles of Formation |
12/01/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10091793 | [Redact] | 35842413 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2025-12-01): Received certificate of Good standing. Exception Cleared Buyer Comment (2025-11-26): Attached is the Cert of Good Standing |
12/01/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10091793 | [Redact] | 35842414 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of [Redacted]. Prepayment language states prepayment will not exceed maximum permitted by applicable law. | Buyer Comment (2025-11-21): Acknowledged non-material EV2 |
11/21/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10160533 | [Redact] | [Redact] | 35845576 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-09): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10160533 | [Redact] | [Redact] | 36252011 | 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. | Verification appraisal was delivered to borrower was not provided. | 04/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10161341 | [Redact] | [Redact] | 35851388 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161341 | [Redact] | [Redact] | 36215011 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | The file was missing a copy of the Rider - Prepayment. | Reviewer Comment (2026-04-13): Received Rider - Prepayment. Exception Cleared. Seller Comment (2026-04-10): Please see attached mortgage and riders. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161341 | [Redact] | [Redact] | 36215014 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | The file was missing a copy of the Rider - 1-4 Family. | Reviewer Comment (2026-04-13): Received Rider - 1-4 Family. Exception Cleared. Seller Comment (2026-04-10): Please see attached mortgage and riders. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161341 | [Redact] | [Redact] | 36222093 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument missing pages [Redacted] through [Redacted]. Note: the file is missing all of the Riders as well. Provide a complete copy of the Deed of Trust and all applicable Riders. | Reviewer Comment (2026-04-13): Received Security Instrument. Exception Cleared. Seller Comment (2026-04-10): Please see attached mortgage and riders. |
04/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161341 | [Redact] | [Redact] | 36222530 | 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. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161341 | [Redact] | [Redact] | 36231844 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided | Reviewer Comment (2026-04-13): Received Rider - 1-4 Family. Exception Cleared. Seller Comment (2026-04-10): Please see attached mortgage and riders. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161341 | [Redact] | [Redact] | 36231857 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | The file is missing a copy of the Revocable Trust Rider attached to the Deed of Trust. | Reviewer Comment (2026-04-13): Received Revocable Trust Rider. Exception Cleared. Seller Comment (2026-04-10): Please see attached mortgage and riders. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10161410 | [Redact] | [Redact] | 35851825 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): (Rate Lock) [Redacted] |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10161410 | [Redact] | [Redact] | 36255993 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Mortgagor Name(s) does not agree with Schedule SCH:[Redacted] :ALL DOCS: [Redacted] | Buyer Comment (2026-04-17): Waived on Rate Lock: Collateral cleared by Custodian |
04/17/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10163287 | [Redact] | [Redact] | 35860923 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10163291 | [Redact] | [Redact] | 35861079 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10163291 | [Redact] | [Redact] | 36633605 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The file is missing a copy of the executed Prepayment Penalty Addendum to the Note. The PPP Note Addendum in file was not executed. | Reviewer Comment (2026-06-03): Received Prepayment Addendum. Exception cleared. Seller Comment (2026-06-03): Prepayment Note |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Yes | |||||||||||
| [Redact] | 10163316 | [Redact] | [Redact] | 35862371 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10163316 | [Redact] | [Redact] | 36245216 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The property address on the HOI declarations page does not match the note. The HOI did not include Ter. for Terrace as disclosed on the note. Provide a revised HOI dec page or policy. | Reviewer Comment (2026-04-20): Received HOI Seller Comment (2026-04-20): hoi |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10163316 | [Redact] | [Redact] | 36245227 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | No documentation in the loan file to evidence borrower was provided with a copy of the appraisal at least [Redacted] business days prior to closing. | 04/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10176984 | [Redact] | [Redact] | 35871559 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-16): (Rate Lock) [Redacted] |
03/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10176984 | [Redact] | [Redact] | 36066447 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-04-15): Final title policy provided Seller Comment (2026-04-15): Attached the Final Title. Reviewer Comment (2026-04-02): Unable to locate said document stating an ALTA Loan Policy will be issued in the amount indicated above. If this is a Title Addendum please send it for review. Condition remains. Seller Comment (2026-04-01): The file contains a Title Guaranty issued by Title Guaranty of [Redacted] which serves as a supplement to the Preliminary Title Report and functions as the title commitment for the transaction. The document explicitly states that an ALTA Loan Policy will be issued "in the amount indicated above" and reflects a loan amount of $[Redacted], which defines the insured coverage amount for the subject transaction. While the Preliminary Title Report itself does not display a coverage amount, the Title Guaranty supplement provides the required insured amount and evidences sufficient title coverage. The document is issued by the title company and names the insured lender, satisfying title insurance requirements. Please Cancel. Reviewer Comment (2026-03-26): Escrow instruction is showing loan amount. Please provide the Title commitment/Title final policy showing coverage amount. Exception Remains. Seller Comment (2026-03-25): The file contains a Title Guaranty reflecting the insured amount. Page [Redacted] of [Redacted](Doc ID [Redacted]) shows the Title Guaranty issued by Title Guaranty of [Redacted], evidencing a Loan Amount of $[Redacted], which aligns with the insured coverage amount for the subject transaction. As such, sufficient title coverage is documented in the file. Please Cancel. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10176984 | [Redact] | [Redact] | 36066449 | 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 (2026-04-15): Final title policy provided |
04/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10176984 | [Redact] | [Redact] | 36066482 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status | Reviewer Comment (2026-03-29): Proof of earlier receipt of the disclosure provided Seller Comment (2026-03-26): [Redacted] - Uploaded LOX providing evidence of manual fulfillment - application taken [Redacted] - Initial Disclosure Package issued [Redacted]. Per [Redacted] Audit History & [Redacted] eSign Console - Created [Redacted] - borrower started, consented & viewed [Redacted], which is within three (3) business days from application. Disclosure of Right to Receive a Copy of Appraisals - located in [Redacted] in Right to Receive Copy of Appraisal folder - Page [Redacted] - Document # [Redacted] & Borrower Appraisal Disclosure - Page [Redacted] - Document # [Redacted]. Disclosures in [Redacted] at time of review. Evidence provided borrower started, consented & viewed within three (3) days of application. Please review and clear. |
03/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10176984 | [Redact] | [Redact] | 36313557 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Upon further review, the subject is located in a FEMA disaster area. Provide a post-disaster inspection dated on or after [Redacted]. | Reviewer Comment (2026-04-29): PDI provided. Exception cleared. Seller Comment (2026-04-28): (Rate Lock) PDI |
04/29/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10177796 | [Redact] | [Redact] | 35904170 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10177796 | [Redact] | [Redact] | 36216492 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-04-08): Received Right to receive copy of appraisal. Exception cleared. Seller Comment (2026-04-07): Please see attached disclosure. |
04/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10177796 | [Redact] | [Redact] | 36232395 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted]. | Reviewer Comment (2026-04-21): Received and associated Bank statement. Exception cleared. Seller Comment (2026-04-20): Please see attached bank statement and asset worksheet. Seller Comment (2026-04-20): asset worksheet Reviewer Comment (2026-04-10): As per the final Closing Disclosure, the borrower's cash was not used for closing. Instead, funds were sourced from the account ending in #[Redacted]. Per guideline requirements, two months of bank statements are required. However, the file contains only one month of bank statements for the account ending in #[Redacted], with an ending date of [Redacted]. Exception remains. Seller Comment (2026-04-08): UW response: We are only using cash out proceeds to cover funds to close and reserves. Additional assets and / or bank statements are not needed and not being used. |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10177820 | [Redact] | [Redact] | 35904726 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10177821 | [Redact] | [Redact] | 35905496 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-28): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10177975 | [Redact] | [Redact] | 35908811 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10177975 | [Redact] | [Redact] | 36231956 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Singed Business Purpose Certificate is not provided | Reviewer Comment (2026-04-08): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-04-07): business purpose |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10177975 | [Redact] | [Redact] | 36245223 | Credit | TRID | General | TRID | Escrow holdbacks are present. | Escrow Holdback Amount: ___ | The CD disclosed an escrow holdback to the seller for repairs and the file contained a copy of the Holdback agreement and [Redacted]confirming the funds were completed. However, the file is missing proof from the title company/settlement agent, confirming the funds were released to the seller. | Reviewer Comment (2026-05-08): 442 and proof of disbursement of funds provided Seller Comment (2026-05-07): funds released Reviewer Comment (2026-04-23): Received the same document that is already in the file; however, the file is missing proof from the title company/settlement agent confirming that the funds were released to the seller. Exception Remains. Seller Comment (2026-04-22): appraisal |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10179044 | [Redact] | [Redact] | 35922169 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179099 | [Redact] | [Redact] | 35923059 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-17): Waived on Rate Lock: Collateral cleared by Custodian |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179100 | [Redact] | [Redact] | 35923066 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179101 | [Redact] | [Redact] | 35923077 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179104 | [Redact] | [Redact] | 35923102 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-14): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10179104 | [Redact] | [Redact] | 36194688 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-02): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Seller Comment (2026-04-02): Please send to the buyer for review. This condition should be waived |
04/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10179738 | [Redact] | [Redact] | 35930466 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-31): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179738 | [Redact] | [Redact] | 36177617 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The city address on the HOI declarations page does not match the note City. Provide a revised HOI dec page or a copy of the policy. | Reviewer Comment (2026-04-14): Received and associated updated Hazard insurance policy. Exception cleared. Seller Comment (2026-04-13): Please see attached policy. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10181474 | [Redact] | [Redact] | 35939675 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10181474 | [Redact] | [Redact] | 36207708 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier is not provided. | Reviewer Comment (2026-04-03): ULI provided Seller Comment (2026-04-03): ULI # [Redacted] |
04/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10181474 | [Redact] | [Redact] | 36207727 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | The file was missing a copy of the Rider - Prepayment. | Reviewer Comment (2026-04-06): Received Rider - Prepayment. Exception cleared. Seller Comment (2026-04-03): Please see attached mortgage with all riders |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10181523 | [Redact] | [Redact] | 35940290 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10181523 | [Redact] | [Redact] | 36215206 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted] Prepayment Penalty: Maximum penalty allowed per state is [Redacted]%, [Redacted]%, [Redacted]%, [Redacted]%, [Redacted]% [in Years [Redacted]]. Loan contracts for prepay percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum penalty allowed per state is [Redacted]%, [Redacted]%, [Redacted]%, [Redacted]%, [Redacted]% [in Years [Redacted]]. Loan contracts for prepay percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-14): Client elected to waive the condition Reviewer Comment (2026-04-09): The language referenced in the seller rebuttal was identified in the initial review, hence the exception grade of EV2/B vs. EV3/C. The condition is valid. Elevating to the client for review. Seller Comment (2026-04-08): Please see the language on the prepayment addendum to the Note stating: If a law, which applies to this loan and which sets a maximum prepayment charge or prohibits prepayment charges, is finally interpreted so that the prepayment charge to be collected in connection with this loan exceeds the permitted limits, then (i) any such prepayment charge shall be reduced by the amount necessary to reduce the charge to the permitted limit, or (ii) if the prepayment charge is prohibited, no prepayment charge will be assessed or collected. |
04/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10181524 | [Redact] | [Redact] | 35940308 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] Seller Comment (2026-04-03): Please see attached title policy. |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10181524 | [Redact] | [Redact] | 36181324 | 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 (2026-04-07): Received and associated Title Final. Exception cleared. |
04/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10181524 | [Redact] | [Redact] | 36181416 | Credit | Title | Document Error | Title | The Preliminary/Commitment 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 (2026-04-07): Received and associated Title Final. Exception cleared. Seller Comment (2026-04-06): Please attached title policy. |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10193529 | [Redact] | [Redact] | 35940608 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-24): [Redacted]: Please see the attached documents that were included into the original loan file. |
03/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10193529 | [Redact] | [Redact] | 36147570 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Reviewer Comment (2026-03-27): Received and associated Prepayment Rider. Exception cleared. Seller Comment (2026-03-26): [Redacted]: Please see the attached // |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10193529 | [Redact] | [Redact] | 36147571 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Reviewer Comment (2026-03-27): Received and associated 1-4 Family Rider. Exception cleared. Seller Comment (2026-03-26): [Redacted]: Please see the attached // |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10193529 | [Redact] | [Redact] | 36147575 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Reviewer Comment (2026-03-29): Fraud Report provided Seller Comment (2026-03-27): [Redacted]: Please see attached document |
03/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10193529 | [Redact] | [Redact] | 36147576 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-03-29): Fraud Report provided Seller Comment (2026-03-27): [Redacted]: Please see attached document |
03/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10193529 | [Redact] | [Redact] | 36147590 | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2026-04-02): E-sign summary and verification of e-sign completion signing and Disclosure provided. Exception cleared. Seller Comment (2026-04-01): [Redacted]: Please see the attached // Reviewer Comment (2026-03-31): The disclosure provided at closing is not within a reasonable time. Condition is valid and remains open Seller Comment (2026-03-30): [Redacted]: The definition of reasonable timing for disclosing flood determination is at the lender's discretion, there is no specific timing stated in the legal requirements Reviewer Comment (2026-03-29): The disclosure provided was still not provided in a reasonable time. The flood cert, identifying the property was in a flood zone was obtained [Redacted] and the disclosure was provided [Redacted]. A copy of the disclosure provided to the borrower within a reasonable time of the flood zone determination is required. Condition remains Seller Comment (2026-03-26): [Redacted]: Please see the attached // |
04/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10193529 | [Redact] | [Redact] | 36147595 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2026-03-29): Fraud Report provided Seller Comment (2026-03-27): [Redacted]: Please see attached document |
03/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10194986 | [Redact] | [Redact] | 35948771 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10194987 | [Redact] | [Redact] | 35948898 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10194989 | [Redact] | [Redact] | 35948995 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10195134 | [Redact] | [Redact] | 35950792 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10195432 | [Redact] | [Redact] | 35951197 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): collateral delivered [Redacted] via [Redacted] [Redacted] |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10195435 | [Redact] | [Redact] | 35951274 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-14): [Redacted] Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10195778 | [Redact] | [Redact] | 35957210 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10196658 | [Redact] | [Redact] | 35959040 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10196662 | [Redact] | [Redact] | 35959869 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-14): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10198667 | [Redact] | [Redact] | 35968711 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-09): Tracking Number [Redacted] |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10198773 | [Redact] | [Redact] | 35969021 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10198773 | [Redact] | [Redact] | 36332315 | 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. | The verification appraisal delivered to the borrower was not provided. | 04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10198795 | [Redact] | [Redact] | 35969227 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10198795 | [Redact] | [Redact] | 36206850 | 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. | Verification appraisal was delivered to borrower was not provided. | 04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315247 | [Redact] | [Redact] | 35975284 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): Collateral docs received by investor on [Redacted]- tracking # [Redacted] Seller Comment (2026-04-10): See attached collateral package |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315247 | [Redact] | [Redact] | 36252260 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier is not provided. | Reviewer Comment (2026-04-14): ULI provided Seller Comment (2026-04-10): See attached corrected 1003 |
04/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315247 | [Redact] | [Redact] | 36252261 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-04-13): Received Closing Protection Letter. Exception Cleared. Seller Comment (2026-04-09): CPL |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315247 | [Redact] | [Redact] | 36252262 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing in file. | Reviewer Comment (2026-04-27): Received Corporate Resolution. Exception cleared. Seller Comment (2026-04-24): Corporate resolution signed by minority partner Reviewer Comment (2026-04-21): Received Corporate Resolution however other member '[Redacted]' signature is not available. Please provide the Corporate Resolution with both the members signature. Exception Remains. Seller Comment (2026-04-20): Corporate Resolution Reviewer Comment (2026-04-14): The guarantor is not [Redacted]% owner of the LLC ([Redacted]% owner) and per the operating agreement, an unanimous vote or consent of all members is required to refinance any existing mortgages or encumbrances. Consent from the minority owner is required. The condition is valid and remains open Seller Comment (2026-04-13): A corporate Resolution is not legally required in [Redacted] on an LLC. Moreover, the operating agreement addresses how issues with be addressed if require. Therefore borrower does not have one to supply. Reviewer Comment (2026-04-13): Two members are on the business corporate resolution is required. Exception Remains. Seller Comment (2026-04-09): A corporate resolution is not required. Please refer to [Redacted] of the Operating Agreement - .."Agreement shall be made by the affirmative vote or consent of members holding a majority.." Borrower owns [Redacted]% of this company and has the controlling interest. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315247 | [Redact] | [Redact] | 36252263 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing in file. | Reviewer Comment (2026-04-13): Received an Operating Agreement. Exception Cleared. Seller Comment (2026-04-09): Operating agreement |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315247 | [Redact] | [Redact] | 36352114 | Credit | Guideline | Guideline Issue | Guideline | The borrower is a Non-Permanent Resident Alien and did not meet guides. | Per the guidelines, Non-Permanent Residents are not allowed. The final 1003 and docs in file identified the guarantor as a Non-Permanent Resident. | Reviewer Comment (2026-05-19): Loan relocked under the correct program; Non-Permanent Residents are eligible Reviewer Comment (2026-05-14): The loan was locked and reviewed under the "Open Road DSCR Fixed 30" program. The condition is valid and remains open Seller Comment (2026-05-14): You are quoting "Open Road" program guidelines, this is a [Redacted] loan program and in the [Redacted] guidelines [Redacted] non-US citizen is allowed. Reviewer Comment (2026-05-14): Based on the guideline '5.1.2 A Non-Permanent Resident Alien is a non-U.S. citizen authorized to live and work in the U.S. on a temporary basis. Non- Permanent Resident Aliens are not Permitted'. Exception remains. Seller Comment (2026-05-12): This is a DSCR Low Ratio and Foreign Nationals are allowed, guideline [Redacted]. Only the DSCR Elite does not allow Foreign Nationals guideline [Redacted]. Please clear |
05/19/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10200284 | [Redact] | [Redact] | 35985094 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10200287 | [Redact] | [Redact] | 35985137 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10200337 | [Redact] | [Redact] | 35985545 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10201096 | [Redact] | [Redact] | 35992144 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10201096 | [Redact] | [Redact] | 36297663 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Property address on the appraisal does not match the property address on the Note. The doc in file only identifies one of the [Redacted]units. Provide a revised appraisal correcting the address. | Reviewer Comment (2026-04-21): Revised appraisal with the corrected property address provided Seller Comment (2026-04-21): Please see attached appraisal. |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10201096 | [Redact] | [Redact] | 36297665 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Property address on the CDA does not match the property address on the Note. The doc in file only identifies one of the [Redacted] units. Provide a revised CDA correcting the address. | Reviewer Comment (2026-04-22): Revised CDA provided. Exception cleared. Seller Comment (2026-04-22): Please see attached CDA. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10201096 | [Redact] | [Redact] | 36297673 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Property address on the Flood Cert does not match the property address on the Note. The doc in file only identifies one of the [Redacted] units. Provide a revised Flood Cert correcting the address. | Reviewer Comment (2026-04-22): Revised doc provided. Exception cleared. Seller Comment (2026-04-22): Please see attached flood cert |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10201096 | [Redact] | [Redact] | 36297674 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Property address on the declarations page does not match the property address on the Note. The doc in file only identifies one of the [Redacted] units. Provide a revised dec page correcting the address. | Reviewer Comment (2026-04-22): Revised doc provided. Exception cleared. Seller Comment (2026-04-22): Please see attached insurance. |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10201301 | [Redact] | [Redact] | 35993403 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10201301 | [Redact] | [Redact] | 36302416 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Property address on the declarations page does not match the property address on the Note. The doc in file only identifies one of the [Redacted]units. Provide a revised dec page correcting the address. | Reviewer Comment (2026-04-22): Revised doc provided. Exception cleared. Seller Comment (2026-04-22): hoi |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10201306 | [Redact] | [Redact] | 35993764 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-16): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10201306 | [Redact] | [Redact] | 36269947 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Provide a signed copy of business purpose certificate. | Reviewer Comment (2026-04-16): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-04-15): Please see attached business purpose certificate. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10201306 | [Redact] | [Redact] | 36269951 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Provide a signed copy of Cash out Utilization document. | Reviewer Comment (2026-04-16): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-04-15): Please see attached business purpose certificate. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10201342 | [Redact] | [Redact] | 35993884 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10201342 | [Redact] | [Redact] | 36294124 | 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 Commitment in file. | 04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10201342 | [Redact] | [Redact] | 36294137 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Copy of Business Purpose Certificate is not available in file. | Reviewer Comment (2026-04-20): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-04-17): business purpose |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10201342 | [Redact] | [Redact] | 36294138 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Copy of Cash-Out Utilization is not available. | Reviewer Comment (2026-04-24): Received Business purpose Certificate. Exception Cleared. Seller Comment (2026-04-23): we don't require a cash out utilization form anymore, we removed that from our guides a long while back. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10202267 | [Redact] | [Redact] | 35998231 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10202265 | [Redact] | [Redact] | 35998232 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10202572 | [Redact] | [Redact] | 36000641 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10202572 | [Redact] | [Redact] | 36357369 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-04-30): Received and associated Business Purpose Certificate. Exception Cleared. Seller Comment (2026-04-30): busines purpose |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10202572 | [Redact] | [Redact] | 36357373 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-04-30): Received and associated Closing Protection Letter. Exception Cleared. Seller Comment (2026-04-29): busines purpose Seller Comment (2026-04-29): cpl |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10202572 | [Redact] | [Redact] | 36357433 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty | [Redacted] Prepayment Penalty: Maximum penalty allowed per state is [Redacted] [in Years [Redacted]]. Loan contracts for prepay percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum penalty allowed per state is [Redacted] [in Years [Redacted]]. Loan contracts for prepay percentages of [Redacted]%, [Redacted]%, [Redacted]%, which exceeds the maximum allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-29): Client elected to waive the condition based on the verbiage that (i) any such prepayment charge shall be reduced by the amount necessary to reduce the charge to the permitted limit, or (ii) if the prepayment charge is prohibited, no prepayment charge will be assessed or collected. |
04/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10203668 | [Redact] | [Redact] | 36007310 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-15): Waived on Rate Lock: Collateral cleared by Custodian |
04/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10203674 | [Redact] | [Redact] | 36007311 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10203672 | [Redact] | [Redact] | 36007639 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10203672 | [Redact] | [Redact] | 36214812 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The city on the HOI dec page does not match the city name on the note. Provide a revised declarations page correcting the city. | Reviewer Comment (2026-04-10): Received and associated [Redacted] Zip code verification showing "[Redacted]". Exception cleared. Seller Comment (2026-04-08): USPS Zip code verification showing "[Redacted]" per the note is a valid city for the zip code just as "[Redacted]" per the HOI policy. Zip code covers multiple cities. See attached [Redacted] search. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10203676 | [Redact] | [Redact] | 36007680 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10203676 | [Redact] | [Redact] | 36373582 | 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 commitment title report in file disclosed $[Redacted]of title insurance coverage; however, this is less than the loan amount of $[Redacted]. | 04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10203676 | [Redact] | [Redact] | 36373771 | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-05-21): RCE provided Seller Comment (2026-05-21): rce Reviewer Comment (2026-05-18): Hazard insurance coverage shortfall is $[Redacted]. We require an updated HOI policy to cover the shortfall or RCE is considerable. Exception remains. Seller Comment (2026-05-15): It looks like you are requesting the RCE. Our guidelines are silent when it comes to RCE, therefore the loan should be reviewed using the Fannie Mae Guides (attached). Fannie Mae was updated on [Redacted] and state that the RCE is no longer needed for proof of HOI coverage. The attached HOI policy also references the replacement cost coverage. |
05/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10204580 | [Redact] | [Redact] | 36016255 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): [Redacted] tracking number [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10204583 | [Redact] | [Redact] | 36016904 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10204628 | [Redact] | [Redact] | 36017010 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10204629 | [Redact] | [Redact] | 36017149 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-30): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10204629 | [Redact] | [Redact] | 36335517 | 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. | 04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10204706 | [Redact] | [Redact] | 36017492 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): (Rate Lock) [Redacted] |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10205088 | [Redact] | [Redact] | 36029940 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): Your shipment [Redacted] Delivered On [Redacted]. at [Redacted] |
04/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10205090 | [Redact] | [Redact] | 36030224 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10205090 | [Redact] | [Redact] | 36170291 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-04-02): Earlier disclosure provided Seller Comment (2026-04-01): Please see attached combined appraisal notice. |
04/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10206237 | [Redact] | [Redact] | 36036245 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): (Rate Lock) [Redacted] |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10206237 | [Redact] | [Redact] | 36397294 | 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]. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of [Redacted] under [Redacted]. Prepayment language states prepayment will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-05-12): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
05/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10206494 | [Redact] | [Redact] | 36037520 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10206494 | [Redact] | [Redact] | 36299570 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10206495 | [Redact] | [Redact] | 36037570 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10206495 | [Redact] | [Redact] | 36336668 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-06-02): Received updated HOI and RCE. Exception cleared. Seller Comment (2026-06-01): updated HOI Reviewer Comment (2026-05-18): RCE is already available value is considered. Please provide the updated HOI to cover the shortfall of $[Redacted]. Condition Remains. Seller Comment (2026-05-15): It looks like you are requesting the RCE. Our guidelines are silent when it comes to RCE, therefore the loan should be reviewed using the Fannie Mae Guides (attached). Fannie Mae was updated on [Redacted] and state that the RCE is no longer needed for proof of HOI coverage. Reviewer Comment (2026-05-06): Received same documents which were available in file. We already had the Hazard Insurance Policy and Replacement Cost Estimator in file. The coverage is still insufficient in the amount of $[Redacted] with the Replacement Cost Estimator value. Exception remains. Seller Comment (2026-05-06): hoi Reviewer Comment (2026-04-27): We already had the RCE in file. The coverage is still insufficient in the amount of $[Redacted] with the RCE value. Condition remains. Seller Comment (2026-04-27): rce |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10206510 | [Redact] | [Redact] | 36038241 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10206510 | [Redact] | [Redact] | 36204920 | 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. | Verification appraisal was delivered to borrower was not provided. | 04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10206510 | [Redact] | [Redact] | 36205534 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than [Redacted] business days prior to consummation. | Borrower provided appraisal waiver less than [Redacted] business days prior to consummation. | Reviewer Comment (2026-04-03): Waiver dated more than 3 days prior to closing provided Seller Comment (2026-04-02): Please see attached disclosure. |
04/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10206514 | [Redact] | [Redact] | 36038775 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10206515 | [Redact] | [Redact] | 36038909 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10206517 | [Redact] | [Redact] | 36039014 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10206518 | [Redact] | [Redact] | 36039238 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10206518 | [Redact] | [Redact] | 36352193 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted]business days prior to consummation. | 04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10207044 | [Redact] | [Redact] | 36047867 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10207050 | [Redact] | [Redact] | 36048183 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10207293 | [Redact] | [Redact] | 36052011 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-14): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10207296 | [Redact] | [Redact] | 36052136 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-01): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10209341 | [Redact] | [Redact] | 36059095 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-20): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10209341 | [Redact] | [Redact] | 36531656 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10209342 | [Redact] | [Redact] | 36059291 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10209343 | [Redact] | [Redact] | 36059367 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10209648 | [Redact] | [Redact] | 36059963 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Per [Redacted] tracking [Redacted] , the collateral was delivered on [Redacted]. |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10210306 | [Redact] | [Redact] | 36066075 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10210308 | [Redact] | [Redact] | 36066611 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10212873 | [Redact] | [Redact] | 36076168 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-14): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10212877 | [Redact] | [Redact] | 36076186 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian |
04/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10212877 | [Redact] | [Redact] | 36171523 | 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 Commitment in file. | 03/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10213631 | [Redact] | [Redact] | 36083314 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-19): [Redacted] Tracking Number [Redacted] |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10213631 | [Redact] | [Redact] | 36530471 | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided | The file is missing proof of receipt/disbursement of the HELOC funds used to close. | Reviewer Comment (2026-05-29): Proof of funds disbursed from the HELOC provided Seller Comment (2026-05-28): title confirmation and wire supporting source of funds from the [Redacted] |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10214699 | [Redact] | [Redact] | 36086394 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-11): Waived on Rate Lock: Collateral cleared by Custodian |
05/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10214701 | [Redact] | [Redact] | 36086396 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10214701 | [Redact] | [Redact] | 36252094 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | Reviewer Comment (2026-05-20): Considered initial LE. Exception cleared. Seller Comment (2026-05-19): [Redacted] Disagree. Please provide the regulation that requires that this disclosure is required to be signed at the time of application. Reviewer Comment (2026-05-05): All the provided documents are signed on the closing date. Please provide the "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application date. Exception Remains. Seller Comment (2026-05-04): [Redacted] Please see attached Reviewer Comment (2026-04-14): The provided document is signed on the closing date. Please provide the "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application date. Exception Remains. Seller Comment (2026-04-13): [Redacted] Please see attached disclosure Reviewer Comment (2026-04-13): The provided document is waiver. Please provide the "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application. Exception Remains. Seller Comment (2026-04-09): [Redacted] Please see attached Appraisal waiver the borrower signed on [Redacted] which is the same day the loan app was signed |
05/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10215211 | [Redact] | [Redact] | 36091730 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-13): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10215211 | [Redact] | [Redact] | 36231323 | 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. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 04/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10215256 | [Redact] | [Redact] | 36092496 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10215296 | [Redact] | [Redact] | 36092892 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10215297 | [Redact] | [Redact] | 36092954 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): The collateral was delivered [Redacted] via [Redacted] trk#[Redacted]. |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10215297 | [Redact] | [Redact] | 36231909 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate in file was not executed. | Reviewer Comment (2026-04-08): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-04-07): business purpose |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10215297 | [Redact] | [Redact] | 36231942 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by [Redact] Provide updated policy reflecting minimum coverage of [Redact] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-14): Received and associated RCE. Exception cleared. Seller Comment (2026-04-13): Please see attached RCE. |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10215300 | [Redact] | [Redact] | 36093199 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10215303 | [Redact] | [Redact] | 36093391 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10215303 | [Redact] | [Redact] | 36352627 | 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. | Verification appraisal delivered to borrower was not provided. | 04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10215607 | [Redact] | [Redact] | 36093709 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10215608 | [Redact] | [Redact] | 36093734 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10216729 | [Redact] | [Redact] | 36100772 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10216729 | [Redact] | [Redact] | 36367563 | 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 | No evidence that the borrower received a copy of the appraisal [Redacted] business days prior to closing. | 04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217057 | [Redact] | [Redact] | 36102163 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217057 | [Redact] | [Redact] | 36222022 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-04-10): Received and associated Hazard Insurance Policy. Exception cleared. Seller Comment (2026-04-08): [Redacted] - [Redacted]: Please see attached. |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217056 | [Redact] | [Redact] | 36102280 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-01): (Rate Lock) [Redacted] |
04/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10217056 | [Redact] | [Redact] | 36189147 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier (ULI) is missing in the file. | Reviewer Comment (2026-04-15): ULI provided Seller Comment (2026-04-15): Attached is the ULI Number screen snip PDF. Please Clear. Reviewer Comment (2026-04-10): The number referenced in the rebuttal is not the ULI. The ULI is a [Redacted] character unique identifier. Provide the ULI to clear the condition. Condition remains Seller Comment (2026-04-10): See page [Redacted] in [Redacted] that contains the ULI which is [Redacted]. Please cancel. |
04/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217056 | [Redact] | [Redact] | 36189172 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver | 03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217056 | [Redact] | [Redact] | 36189173 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver | 03/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217056 | [Redact] | [Redact] | 36189174 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-01): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
04/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217056 | [Redact] | [Redact] | 36198459 | 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 the guidelines, the max LTV for a rural property is [Redacted]%, the loan closed with an LTV of [Redacted]%. Client exception approval in 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. |
Client elects to waive with compensating factors: [Redacted] months reserves, [Redacted] years housing history, [Redacted] FICO and [Redacted] years in current home. Client elects to waive with compensating factors: [Redacted] months reserves,[Redacted] years housing history, [Redacted] FICO and [Redacted] years in current home. |
[Redact],Aggregator [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-03-31): Client elected to waive the condition with the following Compensating Factors: Post close assets: $[Redacted] (liquid).[Redacted] months reserves where [Redacted] is required ([Redacted]X) Credit Depth: [Redacted] year mortgage history [Redacted] year trade history all paid as agreed. Homeownership: [Redacted] years of primary residence home ownership/management and $[Redacted] equity position. |
03/31/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||
| [Redact] | 10217191 | [Redact] | [Redact] | 36102353 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10217191 | [Redact] | [Redact] | 36296822 | 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. | Verification appraisal delivered to borrower was not provided. | 04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217183 | [Redact] | [Redact] | 36102372 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217185 | [Redact] | [Redact] | 36102416 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-28): (Rate Lock) [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10217185 | [Redact] | [Redact] | 36345932 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2026-05-27): Client elected to waive the condition |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217379 | [Redact] | [Redact] | 36102612 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): (Rate Lock) [Redacted] |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10217379 | [Redact] | [Redact] | 36307839 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted]business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver | 04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217379 | [Redact] | [Redact] | 36307840 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver | 04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217380 | [Redact] | [Redact] | 36102631 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): Tracking Number [Redacted] |
04/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217594 | [Redact] | [Redact] | 36106251 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): collateral received on [Redacted] via [Redacted] tracking [Redacted] |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217594 | [Redact] | [Redact] | 36296894 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-05-08): Confirmation from the insurance company verified the RCE Seller Comment (2026-05-07): Please advise if there was anything else needed on this loan Reviewer Comment (2026-04-29): Client to review and advise if a verbal certification is sufficient to clear. Seller Comment (2026-04-28): HOI |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217591 | [Redact] | [Redact] | 36106340 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10217591 | [Redact] | [Redact] | 36686184 | 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. | Verification appraisal was delivered to borrower was not provided. | 06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217591 | [Redact] | [Redact] | 36686185 | 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. | Borrower waived the right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and the appraisal was not provided at or before closing. | 06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217599 | [Redact] | [Redact] | 36109386 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10217599 | [Redact] | [Redact] | 36314819 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Provide a signed copy of the Business Purpose Certificate. | Reviewer Comment (2026-04-24): Received Business purpose Certificate. Exception Cleared. Seller Comment (2026-04-23): Please see attached Business Purpose Certs |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10217599 | [Redact] | [Redact] | 36314829 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | 04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10217602 | [Redact] | [Redact] | 36109479 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-08): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217629 | [Redact] | [Redact] | 36110483 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-15): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217629 | [Redact] | [Redact] | 36270327 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate Subject Address does not include the Unit Number. | Reviewer Comment (2026-04-21): Revised flood cert provided Seller Comment (2026-04-21): Please see attached flood certificate. |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217629 | [Redact] | [Redact] | 36280860 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-04-20): Received and associated Project approval. Exception cleared. Seller Comment (2026-04-17): Please see attached project approval. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10217631 | [Redact] | [Redact] | 36111112 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10217631 | [Redact] | [Redact] | 36296840 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-04-30): Received and associated CDA. Exception Cleared. Seller Comment (2026-04-30): cda |
04/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | A | A | A | A | D | A | N/A | No | |||||||||||
| [Redact] | 10217641 | [Redact] | [Redact] | 36111600 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217642 | [Redact] | [Redact] | 36111633 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10218996 | [Redact] | [Redact] | 36117897 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-14): Waived on Rate Lock: Collateral cleared by Custodian |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10218996 | [Redact] | [Redact] | 36267869 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Mortgagor Name(s) does not agree with Schedule SCH:[Redacted] NOTE: [Redacted] | Buyer Comment (2026-04-14): Waived on Rate Lock: Collateral cleared by Custodian |
04/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10218997 | [Redact] | [Redact] | 36118156 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219316 | [Redact] | [Redact] | 36118818 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219315 | [Redact] | [Redact] | 36118862 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219319 | [Redact] | [Redact] | 36119100 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219319 | [Redact] | [Redact] | 36315882 | 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 Evidence: ___; State: ___ |
The 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. | 04/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10219320 | [Redact] | [Redact] | 36119142 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219568 | [Redact] | [Redact] | 36119436 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-15): Waived on Rate Lock: Collateral cleared by Custodian |
04/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219568 | [Redact] | [Redact] | 36265068 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing a copy of the title evidence. | Reviewer Comment (2026-04-16): Received Title Preliminary. Exception cleared. Seller Comment (2026-04-15): [Redacted]- see attached |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10219568 | [Redact] | [Redact] | 36265069 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | The file was missing a copy of the title evidence. | Reviewer Comment (2026-04-16): Received Title Preliminary. Exception cleared. |
04/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10220774 | [Redact] | [Redact] | 36128832 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10220774 | [Redact] | [Redact] | 36417127 | 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. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10220775 | [Redact] | [Redact] | 36128916 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-07): The collateral was delivered [Redacted] via [Redacted] trk#[Redacted]. |
04/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10220831 | [Redact] | [Redact] | 36135395 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10220831 | [Redact] | [Redact] | 36324820 | 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 (2026-05-08): Settlement statement and wire confirmation from refinance of another REO provided Seller Comment (2026-05-07): [Redacted] Reviewer Comment (2026-05-05): The source of the funds from the other transaction is required. A copy of the CD/Settlement Statement is required. Condition is valid and remains open Seller Comment (2026-05-04): The wire was sent and dated the same day the loan funded because this was structured as a concurrent close scheduled for the same day. This approach was intentional and done to accommodate the borrower, avoiding the need for back-to-back closings on separate days. As such, the timing of the wire is expected and appropriate for this transaction, and no additional documentation is needed. Reviewer Comment (2026-04-29): Provide documentation to verify the source of these funds, (Closing Disclosure/HUD/Settlement Statement). Documentation mut be dated prior to closing in order to be used for qualification. Seller Comment (2026-04-28): wire conform a loan closed concurrently that will support both [Redacted] and reserves total was $[Redacted] this in addition to verified funds should cover |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10220831 | [Redact] | [Redact] | 36324831 | 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 Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10220831 | [Redact] | [Redact] | 36324833 | 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 (2026-05-08): Settlement statement and wire confirmation from refinance of another REO provided Seller Comment (2026-05-07): supporting funds Reviewer Comment (2026-05-05): The source of the funds from the other transaction is required. A copy of the CD/Settlement Statement is required. Condition is valid and remains open Seller Comment (2026-05-04): The wire was sent and dated the same day the loan funded because this was structured as a concurrent close scheduled for the same day. This approach was intentional and done to accommodate the borrower, avoiding the need for back-to-back closings on separate days. As such, the timing of the wire is expected and appropriate for this transaction, and no additional documentation is needed. Reviewer Comment (2026-04-29): Provide documentation to verify the source of these funds, (Closing Disclosure/HUD/Settlement Statement). Documentation mut be dated prior to closing in order to be used for qualification. Seller Comment (2026-04-28): wire conform a loan closed concurrently that will support both [Redacted] and reserves total was $[Redacted] this in addition to verified funds should cover |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10220883 | [Redact] | [Redact] | 36137307 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10220931 | [Redact] | [Redact] | 36139476 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10220931 | [Redact] | [Redact] | 36302541 | 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. | The verification appraisal delivered to the borrower was not provided. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10221304 | [Redact] | [Redact] | 36140464 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10221387 | [Redact] | [Redact] | 36140866 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10222549 | [Redact] | [Redact] | 36148571 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10222653 | [Redact] | [Redact] | 36149300 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10222652 | [Redact] | [Redact] | 36149304 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-04): Waived on Rate Lock: Collateral cleared by Custodian |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10222676 | [Redact] | [Redact] | 36151214 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10222676 | [Redact] | [Redact] | 36326114 | 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. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10222676 | [Redact] | [Redact] | 36326117 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-23): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10222850 | [Redact] | [Redact] | 36151287 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-04): Waived on Rate Lock: Collateral cleared by Custodian |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10223590 | [Redact] | [Redact] | 36159261 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10223590 | [Redact] | [Redact] | 36536873 | 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 Commitment in file. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10223591 | [Redact] | [Redact] | 36159384 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-27): collateral delivered [Redacted] via [Redacted] [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10224740 | [Redact] | [Redact] | 36164264 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10224740 | [Redact] | [Redact] | 36352226 | 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. | Verification appraisal delivered to borrower was not found in file. | 04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10224742 | [Redact] | [Redact] | 36164348 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10224742 | [Redact] | [Redact] | 36400021 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Monthly P&I does not agree with Schedule SCH: [Redacted] NOTE:[Redacted] | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): Please match the schedule to the note. |
05/06/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10224743 | [Redact] | [Redact] | 36164422 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10224743 | [Redact] | [Redact] | 36360655 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-29): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10224750 | [Redact] | [Redact] | 36164771 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-20): Waived on Rate Lock: Collateral cleared by Custodian |
04/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10224748 | [Redact] | [Redact] | 36164773 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-18): Waived on Rate Lock: Collateral cleared by Custodian |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10224780 | [Redact] | [Redact] | 36164991 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10224780 | [Redact] | [Redact] | 36334912 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] days prior to consummation. | ECOA Receipt of Appraisal Without Waiver | 04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10224781 | [Redact] | [Redact] | 36165050 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): (Rate Lock) Collateral delivered [Redacted]. Tracking [Redacted]. Thanks! |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10224781 | [Redact] | [Redact] | 36285865 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] days prior to consummation. | Verification of appraisal delivery to the borrower was not provided. | 04/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10225981 | [Redact] | [Redact] | 36170122 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10225981 | [Redact] | [Redact] | 36389251 | 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 Commitment in file. | 05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10225981 | [Redact] | [Redact] | 36397093 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | Per the final CD, there was a Fire Insurance policy and another policy for the dwelling. The file was missing the declarations page or policy for the dwelling policy. | Reviewer Comment (2026-05-22): Revised 1008 and DSCR worksheet provided removing the additional insurance that the lender states was not obtained. Seller Comment (2026-05-22): Please see attached updated 1008 and DSCR calculation. Seller Comment (2026-05-22): 1008 Reviewer Comment (2026-05-21): Provide a revised 1008 and DSCR calculation worksheet correctly identifying the PITIA and updated DSCR. Seller Comment (2026-05-20): The additional policy was added in error, please advise what is needed to clear the finding. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10226011 | [Redact] | [Redact] | 36171219 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10226011 | [Redact] | [Redact] | 36555952 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Per the guidelines, file must contain verification of the Borrower's [Redacted]-month mortgage payment history on the primary residence (if applicable), and any mortgage loans on a Second/Vacation Home or Investment Property. The LOE in file from the borrower states monthly rent of $[Redacted] has been paid, but the borrower is not on the current lease agreement. Documentation is required to verify the rental history. | Reviewer Comment (2026-05-26): Proof of rental payments provided Seller Comment (2026-05-22): [Redacted]: Please see the attached assets statements showing the payment of the rent in the amount of $[Redacted]. |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10227659 | [Redact] | [Redact] | 36178457 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10227659 | [Redact] | [Redact] | 36545325 | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | Reviewer Comment (2026-05-21): Client elected to waive the condition Reviewer Comment (2026-05-21): Elevated to the client for review Seller Comment (2026-05-21): please for to the buyer for review. This should be waived |
05/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10228301 | [Redact] | [Redact] | 36178704 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-15): Waived on Rate Lock: Collateral cleared by Custodian |
04/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228306 | [Redact] | [Redact] | 36179170 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-11): Waived on Rate Lock: Collateral cleared by Custodian |
05/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228307 | [Redact] | [Redact] | 36179204 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10228307 | [Redact] | [Redact] | 36352006 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is not provided. | Reviewer Comment (2026-04-30): Received and associated Business Purpose Certificate. Exception Remains Seller Comment (2026-04-29): business purpose |
04/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10228307 | [Redact] | [Redact] | 36352040 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-04-29): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Seller Comment (2026-04-29): This should be waived. Please forward my response to the buyer |
04/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10228544 | [Redact] | [Redact] | 36181545 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10230741 | [Redact] | [Redact] | 36194347 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): Tracking number [Redacted] |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10230746 | [Redact] | [Redact] | 36194376 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): please find listed [Redacted] tracking [Redacted] - delivered [Redacted] Seller Comment (2026-06-01): Please find listed [Redacted] Tracking [Redacted] for Note delivery |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10230737 | [Redact] | [Redact] | 36194631 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-18): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10230737 | [Redact] | [Redact] | 36455624 | 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 commitment title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. | 05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10230989 | [Redact] | [Redact] | 36196519 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10230997 | [Redact] | [Redact] | 36196579 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-20): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10230997 | [Redact] | [Redact] | 36525707 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | The city on the CDA does not match the city on the Note. Provide a revised CDA. | Reviewer Comment (2026-05-22): Revised CDA provided Seller Comment (2026-05-22): Please see attached CDA. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10231007 | [Redact] | [Redact] | 36198048 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-15): Waived on Rate Lock: Collateral cleared by Custodian |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10231052 | [Redact] | [Redact] | 36198499 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10231052 | [Redact] | [Redact] | 36321978 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Copy of Verification of Non-US Citizen Status was not found in file. | Reviewer Comment (2026-05-01): Permanent Resident Card received. Seller Comment (2026-04-30): Green cards (Form I-551) issued between [Redacted] and [Redacted] have no expiration date and remain valid for proving lawful permanent resident status, despite their age. Reviewer Comment (2026-04-24): Received valid Permanent Resident Alien card for [Redacted], however resident alien card for [Redacted] is invalid expiry date and other details are not available. Please provide the Permanent Resident Alien card for [Redacted]. Exception Remains. Seller Comment (2026-04-23): Please see attached Permanent Resident Cards |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10231053 | [Redact] | [Redact] | 36198505 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10231055 | [Redact] | [Redact] | 36198506 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10232081 | [Redact] | [Redact] | 36207448 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10232090 | [Redact] | [Redact] | 36207869 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10232094 | [Redact] | [Redact] | 36208381 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10232217 | [Redact] | [Redact] | 36208661 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10233061 | [Redact] | [Redact] | 36214315 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-16): (Rate Lock) [Redacted] |
04/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10233061 | [Redact] | [Redact] | 36282961 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233061 | [Redact] | [Redact] | 36282962 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233086 | [Redact] | [Redact] | 36214744 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10233086 | [Redact] | [Redact] | 36296343 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | The verification appraisal delivered to the borrower was not found in the file. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233086 | [Redact] | [Redact] | 36296344 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10233087 | [Redact] | [Redact] | 36214842 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): Please find attached [Redacted] Note Tracking #[Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10233163 | [Redact] | [Redact] | 36216343 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10233165 | [Redact] | [Redact] | 36216498 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10248269 | [Redact] | [Redact] | 36217203 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10249249 | [Redact] | [Redact] | 36237907 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10249553 | [Redact] | [Redact] | 36239091 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-15): (Rate Lock) [Redacted] |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10249553 | [Redact] | [Redact] | 36472710 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided | 05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10249553 | [Redact] | [Redact] | 36472711 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided | 05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10249553 | [Redact] | [Redact] | 36579205 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Loan has been re-opened. The file is missing a copy of the revised PPP Rider to the Mortgage. Provide a copy of the PPP Rider, a copy of the LOE sent to the borrower, and documentation verifying the revised PPP Rider will be re-recorded with the Mortgage. | Reviewer Comment (2026-06-23): Revised PPP addendum to the Note and Rider provided. Seller Comment (2026-06-23): Attaching the borrower notice/LOE dated [Redacted]. Please Clear. Reviewer Comment (2026-06-19): Received updated Prepayment rider, security instrument & prepayment addendum, a copy of the LOE sent to the borrower is not provided. Exception remains. Seller Comment (2026-06-17): Attaching the updated Mortgage package includes the corrected Prepayment Rider on pages [Redacted]. Page [Redacted] reflects the corrected PPP language stating the prepayment charge is equal to [Redacted] months' advance interest on the amount by which the total prepayments within any 12-month period exceed [Redacted]% of the original principal amount of the loan. Page [Redacted] is signed and dated [Redacted]. This cures the request for the revised PPP Rider to the Mortgage with the correct PPP terms. Please Clear. |
06/23/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10249553 | [Redact] | [Redact] | 36579212 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Loan has been re-opened. The file is missing a copy of the revised PPP Addendum to the Note. Provide a copy of the PPP Addendum and a copy of the LOE sent to the borrower, with the correct PPP terms. | Reviewer Comment (2026-06-23): Revised PPP addendum to the Note and Rider provided. Seller Comment (2026-06-23): Attaching the borrower notice/LOE dated [Redacted]. Please Clear. Reviewer Comment (2026-06-19): Received updated Prepayment rider, security instrument & prepayment addendum, a copy of the LOE sent to the borrower is not provided. Exception remains. Seller Comment (2026-06-17): Attaching the updated Note package includes the corrected Prepayment Addendum to Note on pages [Redacted]. Page [Redacted] reflects the corrected PPP language stating the prepayment charge is equal to [Redacted] months' advance interest on the amount by which the total prepayments within any 12-month period exceed [Redacted] % of the original principal amount of the loan. Page [Redacted] is signed and dated [Redacted]. This cures the request for the revised PPP Addendum to the Note with the correct PPP terms. Please Clear. |
06/23/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | Yes | ||||||||||||||||
| [Redact] | 10250040 | [Redact] | [Redact] | 36240080 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10250040 | [Redact] | [Redact] | 36426528 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-05-12): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Seller Comment (2026-05-12): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted] [Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10250360 | [Redact] | [Redact] | 36244014 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10250370 | [Redact] | [Redact] | 36245316 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10250370 | [Redact] | [Redact] | 36641264 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Signed Business Purpose Certificate was not provided. | Reviewer Comment (2026-06-05): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-05): Please see attached business purpose cert. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10250370 | [Redact] | [Redact] | 36650593 | 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. | Verification appraisal delivered to borrower was not provided. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10250370 | [Redact] | [Redact] | 36650739 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Appraisal Transfer Letter was not provided. | Reviewer Comment (2026-06-09): Corrected appraisal provided. Exception cleared. Seller Comment (2026-06-08): Please see attached corrected report. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10250372 | [Redact] | [Redact] | 36245426 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-23): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10251678 | [Redact] | [Redact] | 36251360 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-29): (Rate Lock) [Redacted] |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10251678 | [Redact] | [Redact] | 36592277 | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-06-19): Received HOI with extended dwelling. Exception cleared. Seller Comment (2026-06-17): Attaching the updated [Redacted] declarations page and email confirmation from the [Redacted] agent. The declarations page reflects Coverage A of $[Redacted] and lists the Extra Replacement Cost Cov endorsement FE-[Redacted]. The [Redacted] agent also confirmed by email that the policy has an endorsement providing an additional [Redacted]% replacement cost coverage. $[Redacted] x [Redacted]% = $[Redacted], which exceeds the $[Redacted] RCE. This confirms the total available replacement cost coverage meets the RCE requirement. Please Clear. Seller Comment (2026-06-17): Attaching the updated [Redacted] declarations page and email confirmation from the[Redacted] agent. The declarations page reflects Coverage A of $[Redacted] and lists the Extra Replacement Cost Cov endorsement [Redacted]. The [Redacted] agent also confirmed by email that the policy has an endorsement providing an additional [Redacted]% replacement cost coverage. $[Redacted] x [Redacted]% = $[Redacted], which exceeds the $[Redacted] RCE. This confirms the total available replacement cost coverage meets the RCE requirement. Please Clear. Reviewer Comment (2026-05-29): The condition is valid, the FNMA method to determine the required coverage was used. The RCE is less than the loan amount, therefore the coverage must be equal to or greater than the RCE value. The coverage amount of $[Redacted] is $[Redacted] less than the RCE Value. Condition is valid and remains open Seller Comment (2026-05-29): The RCE is included in the loan file on page [Redacted] ([Redacted]) of [Redacted]. The RCE for [Redacted] reflects an Estimated Replacement Cost/Calculated Value of $[Redacted], which satisfies the finding's alternative requirement to provide a copy of the insurer's replacement cost estimator. Please Cancel. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10251680 | [Redact] | [Redact] | 36251465 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): (Rate Lock) [Redacted] Seller Comment (2026-06-10): (Rate Lock) [Redacted] |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10252064 | [Redact] | [Redact] | 36252447 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10252063 | [Redact] | [Redact] | 36252448 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-04): Waived on Rate Lock: Collateral cleared by Custodian |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10252579 | [Redact] | [Redact] | 36253018 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10252725 | [Redact] | [Redact] | 36253241 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10254177 | [Redact] | [Redact] | 36257925 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10254177 | [Redact] | [Redact] | 36660979 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-06-09): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10254177 | [Redact] | [Redact] | 36671116 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-09): Please see attached business purpose cert. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10254178 | [Redact] | [Redact] | 36258015 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10254178 | [Redact] | [Redact] | 36642585 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10254316 | [Redact] | [Redact] | 36258489 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): please find attached [Redacted] Tracking [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10254318 | [Redact] | [Redact] | 36258629 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10254318 | [Redact] | [Redact] | 36560069 | 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 commitment title report in the file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. | 05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10254318 | [Redact] | [Redact] | 36560081 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, the Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-05-26): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10254319 | [Redact] | [Redact] | 36258731 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10254319 | [Redact] | [Redact] | 36425205 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10254329 | [Redact] | [Redact] | 36258826 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10255501 | [Redact] | [Redact] | 36259366 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10255501 | [Redact] | [Redact] | 36332326 | 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. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10255676 | [Redact] | [Redact] | 36259516 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256254 | [Redact] | [Redact] | 36262638 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10153826 | [Redact] | 36263030 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-03-23): Investor accepts value. Buyer Comment (2026-03-23): [Redacted] Accepts value |
03/23/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10322633 | [Redact] | [Redact] | 36263035 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-01): (Rate Lock) [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256676 | [Redact] | [Redact] | 36264324 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
04/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256676 | [Redact] | [Redact] | 36326890 | 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. | The verification appraisal delivered to the borrower was not provided. | 04/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256754 | [Redact] | [Redact] | 36264534 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Please find listed [Redacted] Tracking# [Redacted], proof of delivery today |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10256755 | [Redact] | [Redact] | 36264990 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10257361 | [Redact] | [Redact] | 36269953 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-15): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
05/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10257361 | [Redact] | [Redact] | 36473102 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-06-03): Received Project approval confirming the condo is warrantable. Exception cleared. Seller Comment (2026-06-02): Please see attached approval letter. Reviewer Comment (2026-05-28): Received project approval, however, does not give the information about the condo warranty. Confirmation from the seller/lender identifying if the condo is warrantable is required. Exception remains. Seller Comment (2026-05-27): Explanation from Project Review Management Seller Comment (2026-05-27): certification Seller Comment (2026-05-27): insurance Reviewer Comment (2026-05-22): Client deal settings only set the project review as N/A for detached condos or [Redacted] unit projects. Confirmation from the seller/lender identifying if the condo is warrantable is required. Condition is valid and remains open Seller Comment (2026-05-21): Response from Project Review Team: "Waiver of Project Review - [Redacted] expanded to [Redacted] units (for projects that are not part of a [Redacted]) IMPORTANT: [Redacted] unit projects still require warrant to critical repairs, an HOA Cert addendum will be required." This loan closed after these new/updated guidelines went into effect. This is a [Redacted] unit condo, so it qualifies as a waiver under the newer guidelines. The attached HOA Cert is not a full questionnaire; it's only an addendum. But it sufficiently addresses the fact there are no critical repairs (and no inspections). Additionally, there are no condotel features, and no litigation. Reviewer Comment (2026-05-20): Received HOA questionnaire however unable to determine whether the condo is warrantable or not. Please provide the documentation/project review to confirm the condo warranty. Exception remains. Seller Comment (2026-05-19): Please see attached 1008 showing project was exempt from review and HOA cert. Seller Comment (2026-05-19): HOA cert |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10257361 | [Redact] | [Redact] | 36473139 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is not provided. | Reviewer Comment (2026-05-19): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-05-18): Please see attached business purpose certificate. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10257365 | [Redact] | [Redact] | 36270037 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-22): Waived on Rate Lock: Collateral cleared by Custodian |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10257365 | [Redact] | [Redact] | 36281973 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10257365 | [Redact] | [Redact] | 36281974 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted]business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10257364 | [Redact] | [Redact] | 36270063 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-01): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258627 | [Redact] | [Redact] | 36274458 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-15): Waived on Rate Lock: Collateral cleared by Custodian |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258629 | [Redact] | [Redact] | 36274460 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-18): Waived on Rate Lock: Collateral cleared by Custodian |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258982 | [Redact] | [Redact] | 36275319 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Please find listed [Redacted] tracking [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258984 | [Redact] | [Redact] | 36275530 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258984 | [Redact] | [Redact] | 36502443 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report was missing in the file. | Reviewer Comment (2026-05-19): Received Credit Report. Exception cleared. Seller Comment (2026-05-19): FICO is [Redacted]. See credit report. |
05/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10258984 | [Redact] | [Redact] | 36502492 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit report was missing in the file. | Reviewer Comment (2026-05-19): Received Credit Report. Exception cleared. Seller Comment (2026-05-19): [Redacted] shows fico [Redacted] |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10258988 | [Redact] | [Redact] | 36275709 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258989 | [Redact] | [Redact] | 36275798 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258990 | [Redact] | [Redact] | 36275958 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10258990 | [Redact] | [Redact] | 36393463 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-05-14): Revised coverage provided Seller Comment (2026-05-14): Please see attached insurance documentation. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10259126 | [Redact] | [Redact] | 36276453 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10259140 | [Redact] | [Redact] | 36276472 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10259137 | [Redact] | [Redact] | 36276479 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-04): Waived on Rate Lock: Collateral cleared by Custodian |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10259132 | [Redact] | [Redact] | 36277243 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10259136 | [Redact] | [Redact] | 36277270 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Please find listed [Redacted] Tracking #[Redacted], delivered today |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10259136 | [Redact] | [Redact] | 36694118 | 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. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not provided at or before closing. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10259136 | [Redact] | [Redact] | 36695671 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan exception approval in loan file provided for use of ADU income. Compensating factors listed: Experienced investor and reserves of $[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Client elects to waive with compensating factors: [Redacted] years property management experience. Credit depth: [Redacted] -year credit history including [Redacted]-year mortgage history paid as agreed. [Redacted] other REO equity. |
[Redact],Aggregator | Reviewer Comment (2026-06-09): Client elects to waive with compensating factors: [Redacted] years property management experience. Credit depth: [Redacted] -year credit history including [Redacted]-year mortgage history paid as agreed. [Redacted] other REO equity. |
06/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10259123 | [Redact] | [Redact] | 36277271 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260035 | [Redact] | [Redact] | 36282344 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-19): Please find below [Redacted] Tracking ID: [Redacted] |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260035 | [Redact] | [Redact] | 36492099 | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-06-02): Revised HOI provided Seller Comment (2026-06-02): Please see attached policy. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10260636 | [Redact] | [Redact] | 36283326 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-04): Waived on Rate Lock: Collateral cleared by Custodian |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260642 | [Redact] | [Redact] | 36283832 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260645 | [Redact] | [Redact] | 36283956 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-30): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260965 | [Redact] | [Redact] | 36289936 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): The collateral was delivered [Redacted] via [Redacted] trk#[Redacted]. |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261010 | [Redact] | [Redact] | 36290436 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted]. |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261010 | [Redact] | [Redact] | 36368109 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | The assets verified in file were insufficient to meet the cash due at closing and the reserve requirements. Note: the final 1003 identified net proceeds from a refinance of an additional REO were used for funds to close. A copy of the CD or HUD was not located in file verifying the net proceeds of $[Redacted]. | Reviewer Comment (2026-05-06): Received Closing Disclosure for Net Proceeds from Cash-Out Refinance. Exception cleared. Seller Comment (2026-05-06): CD from refi attached showing the cash out from refi closed at the same time and considered in the asset calculation |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10261010 | [Redact] | [Redact] | 36368135 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The assets verified in file were insufficient to meet the cash due at closing and the reserve requirements. Note: the final 1003 identified net proceeds from a refinance of an additional REO were used for funds to close. A copy of the CD or HUD was not located in file verifying the net proceeds of $[Redacted]. | Reviewer Comment (2026-05-06): Received Closing Disclosure for Net Proceeds from Cash-Out Refinance. Exception cleared. Seller Comment (2026-05-06): CD from refi attached showing the cash out from refi closed at the same time and considered in the asset calculation |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10261121 | [Redact] | [Redact] | 36290666 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261122 | [Redact] | [Redact] | 36290738 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261159 | [Redact] | [Redact] | 36291983 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261160 | [Redact] | [Redact] | 36292001 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): (Rate Lock) [Redacted] |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10261160 | [Redact] | [Redact] | 36305579 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10261564 | [Redact] | [Redact] | 36292624 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261565 | [Redact] | [Redact] | 36292625 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155341 | [Redact] | 36295510 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for the subject property with a Qualifying As-Is Value less than $[Redacted]. The compensating factors are the FIOC score of [Redacted], the LTV as [Redacted]% and the DSCR as [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 Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[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. Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] Debt Service Coverage Ratio: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155341 | [Redact] | 36295511 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The OFAC for the Borrowing Entity is missing. | Reviewer Comment (2026-02-16): OFAC in file, exception cleared. Buyer Comment (2026-02-12): OFAC is part of the entity background check under global watch lists. Please clear. |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10262683 | [Redact] | [Redact] | 36296640 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10262686 | [Redact] | [Redact] | 36296673 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10262686 | [Redact] | [Redact] | 36585146 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement was not found in file. | Reviewer Comment (2026-06-01): Received and associated Guarantor Agreement. Exception cleared. Seller Comment (2026-05-29): Please see attached guaranty. |
06/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10262688 | [Redact] | [Redact] | 36296867 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-04): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10262944 | [Redact] | [Redact] | 36297342 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10262943 | [Redact] | [Redact] | 36297393 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10262943 | [Redact] | [Redact] | 36643559 | 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. | Verification appraisal delivered to borrower was not provided. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263054 | [Redact] | [Redact] | 36297505 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian |
04/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263056 | [Redact] | [Redact] | 36297747 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263074 | [Redact] | [Redact] | 36298273 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): (Rate Lock) [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10263074 | [Redact] | [Redact] | 36571576 | 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. | Verification appraisal was delivered to borrower was not provided. | 05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263074 | [Redact] | [Redact] | 36571577 | 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. | Verification appraisal was delivered to borrower was not provided. | 05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263685 | [Redact] | [Redact] | 36304301 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | A | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10263685 | [Redact] | [Redact] | 36503698 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made "subject to" and Form 1004D/442 was not provided. | Reviewer Comment (2026-05-20): Received Inspection report. Exception cleared. Seller Comment (2026-05-19): [Redacted]: The appraisal was made subject to a professional inspection as opposed to being subject to repairs. The attached property inspection report confirms the subject's structure is adequate, and a recommendation for a new downspout to be installed. A 1004D is not required in this case per FNMA B4-[Redacted], Property Condition and Quality of Construction of the Improvements ([Redacted]). |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | A | A | A | A | C | A | N/A | No | ||||||||||
| [Redact] | 10263686 | [Redact] | [Redact] | 36304302 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-15): Waived on Rate Lock: Collateral cleared by Custodian |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263689 | [Redact] | [Redact] | 36304696 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263689 | [Redact] | [Redact] | 36545552 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the executed business purpose cert. | Reviewer Comment (2026-05-22): Business purpose cert provided Seller Comment (2026-05-21): Please see attached business purpose cert. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10263689 | [Redact] | [Redact] | 36545582 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. Note: the lender qualified with $[Redacted]/month. | Reviewer Comment (2026-05-28): Received Lender calculated tax verification. Exception cleared. Seller Comment (2026-05-27): Please see attached tax calculation Reviewer Comment (2026-05-27): Please provide the lender calculated tax verification document. Exception remains. Seller Comment (2026-05-26): UW response: UW used [Redacted]% of the purchase price being conservative. Actual annual taxes are much less at $[Redacted] based on the Smart Fees sheet. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10264264 | [Redact] | [Redact] | 36310128 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): (Rate Lock) Note tracking [Redacted] |
05/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10264291 | [Redact] | [Redact] | 36310325 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10264291 | [Redact] | [Redact] | 36606087 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Licensee Information or Affidavit was not executed. | Reviewer Comment (2026-06-12): Received and associated Licensee Info or Affidavit. Exception cleared. Seller Comment (2026-06-11): license info |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10264291 | [Redact] | [Redact] | 36606109 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, the Note or Prepayment Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-06-02): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10264283 | [Redact] | [Redact] | 36310331 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10264283 | [Redact] | [Redact] | 36643078 | 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 Commitment in file. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10264287 | [Redact] | [Redact] | 36310365 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-18): Waived on Rate Lock: Collateral cleared by Custodian |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10264466 | [Redact] | [Redact] | 36310973 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-15): Waived on Rate Lock: Collateral cleared by Custodian |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265076 | [Redact] | [Redact] | 36313870 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): (Rate Lock) Note Tracking [Redacted] |
05/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265626 | [Redact] | [Redact] | 36315030 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265627 | [Redact] | [Redact] | 36315054 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-19): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. . |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265628 | [Redact] | [Redact] | 36315088 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-20): Collateral delivered on[Redacted] via [Redacted] tracking [Redacted] |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265632 | [Redact] | [Redact] | 36315244 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265793 | [Redact] | [Redact] | 36315268 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265877 | [Redact] | [Redact] | 36315578 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10265877 | [Redact] | [Redact] | 36415765 | 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. | 05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10265877 | [Redact] | [Redact] | 36415766 | 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. | 05/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10265872 | [Redact] | [Redact] | 36315610 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265869 | [Redact] | [Redact] | 36315630 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): Collateral deliverd on [Redacted] via [Redacted] tracking number [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265869 | [Redact] | [Redact] | 36626172 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month with an end date of [Redacted] and a printout through [Redacted]. | Reviewer Comment (2026-06-03): Received Bank statements. Exception cleared. Seller Comment (2026-06-02): Please see attached bank statements. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10265960 | [Redact] | [Redact] | 36315789 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-15): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted] |
05/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10266179 | [Redact] | [Redact] | 36316205 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-15): Waived on Rate Lock: Collateral cleared by Custodian |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10266514 | [Redact] | [Redact] | 36325402 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-12): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10266514 | [Redact] | [Redact] | 36425737 | 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. | Verification appraisal delivered to borrower was not provided. | 05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10266778 | [Redact] | [Redact] | 36326316 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10266958 | [Redact] | [Redact] | 36326377 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-05): Waived on Rate Lock: Collateral cleared by Custodian |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10266958 | [Redact] | [Redact] | 36636660 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The file is missing the tax cert or other documentation to verify the taxes of $[Redacted]/semi-annually used by the lender to qualify. The title commitment and the documentation in file verified a lower amount. | Reviewer Comment (2026-06-04): Tax verification and clarification provided Seller Comment (2026-06-04): [Redacted]: please see the attached breakdown of taxes for the subject property. When reviewing the tax bill below, the breakdown of taxes reflects different amounts. The total amount of gross taxes for the subject property is $[Redacted] semi-annually. There are two additional credits that get the taxes to $[Redacted]. There is a non-business credit and an owner occupancy credit. $[Redacted] -$[Redacted](non-business credit)-$[Redacted](owner occupancy credit)=$[Redacted] semi-annually. However because this is an investment property the owner occupancy credit was not included to reduce the taxes. When calculating just the gross taxes less the non-business credit, we get a tax amount of $[Redacted] semi-annually. With the current calculation we are using the most accurate taxes as the owner occupied tax credit should be removed. Reviewer Comment (2026-06-03): Provided tax certificate shows tax amount for the year [Redacted] $[Redacted], qualified tax amount is [Redacted]. Please provide the lender calculated tax verification. Exception remains. Seller Comment (2026-06-02): [Redacted]: please see the attached documentation. I've attached the property tax breakdown listed on page [Redacted] of the report. Please note that when calculating the taxes to match [Redacted], you must remove the owner occupancy credit. The non-business credit is eligible to be used as long as the property is leased. Currently we meet the guidelines to use this credit and removing the owner occupancy credit our semi-annual tax amount goes to $[Redacted] semi-annually. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10268463 | [Redact] | [Redact] | 36333236 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10268465 | [Redact] | [Redact] | 36333258 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10268465 | [Redact] | [Redact] | 36530002 | 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. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not provided at or before closing. | 05/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10268465 | [Redact] | [Redact] | 36530003 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, the Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-05-21): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-05-21): Elevated to the client for review Seller Comment (2026-05-20): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted] [Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. Please escalate to [Redacted] for review. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10269312 | [Redact] | [Redact] | 36337290 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269313 | [Redact] | [Redact] | 36338372 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269314 | [Redact] | [Redact] | 36339190 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269315 | [Redact] | [Redact] | 36339229 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): Please find listed [Redacted] tracking [Redacted] for Note Delivery |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269315 | [Redact] | [Redact] | 36579127 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate in file was not executed. | Reviewer Comment (2026-05-29): Received Business purpose certificate. Exception cleared. Seller Comment (2026-05-28): Please find attached executed Business Purpose Certificate |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10269440 | [Redact] | [Redact] | 36340309 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269440 | [Redact] | [Redact] | 36468580 | 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 commitment title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. | 05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10269440 | [Redact] | [Redact] | 36473342 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Per the guidelines, [Redacted] months statements are required. The file only contained [Redacted] month statement and a printout covering the periods [Redacted]-[Redacted]. | Reviewer Comment (2026-05-18): Received Bank statement. Exception cleared. Seller Comment (2026-05-15): [Redacted]: Please see attached. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10269445 | [Redact] | [Redact] | 36340315 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269442 | [Redact] | [Redact] | 36340324 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269483 | [Redact] | [Redact] | 36340903 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10269483 | [Redact] | [Redact] | 36416188 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | File is missing verification of [Redacted] months reserves. Note: documentation in file states lender used the cash out proceeds from an REO refinance for the funds to close and reserves. A copy of the CD/HUD/Settlement Statement from the refinance was not in the file. The LE in file will not suffice to use for assets. | Reviewer Comment (2026-06-03): Received Closing disclosure. Exception cleared. Seller Comment (2026-06-02): Please see attached CD from refinance. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10269483 | [Redact] | [Redact] | 36416193 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Assets for Closing of $[Redacted] are less than Cash From Borrower $[Redacted]. Note: documentation in file states lender used the cash out proceeds from an REO refinance for the funds to close and reserves. A copy of the CD/HUD/Settlement Statement from the refinance was not in the file. The LE in file will not suffice to use for assets. | Reviewer Comment (2026-06-03): Received Closing disclosure. Exception cleared. Seller Comment (2026-06-02): Please see attached CD from refinance. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10269516 | [Redact] | [Redact] | 36341198 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Please find listed [Redacted] Tracking #[Redacted] for Note Delivery |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10284777 | [Redact] | [Redact] | 36346489 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): [Redacted] Tracking Number [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10284784 | [Redact] | [Redact] | 36347642 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): (Rate Lock) [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10284784 | [Redact] | [Redact] | 36676177 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10284784 | [Redact] | [Redact] | 36678032 | 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 (2026-06-17): Seller provided documentation verifying the condo was warrantable Seller Comment (2026-06-17): I previously provided a screenshot of the [Redacted] Condo Review screen showing the subject condo is warrantable. The "Is Non-warrantable Project" box is not checked. If the condo were non-warrantable, that box would be checked. The system evidence supports the condo is warrantable. Please Cancel. Reviewer Comment (2026-06-16): Received document does not state condo is warrantable. Please provide the project review or Condo/PUD warranty stating condo is warrantable. Exception remains. Seller Comment (2026-06-15): The Condo is Warrantable per the Condo Review Screen. Please Cancel. Reviewer Comment (2026-06-10): Client to review and confirm if acceptable. Seller Comment (2026-06-09): The file does contain lender/condo documentation supporting the condo project review/warrantability. Page [Redacted] of [Redacted], ([Redacted]), contains the FNMA/FHLMC Waiver of Condo Project Review Form for [Redacted] on [Redacted], [Redacted]. The form shows the project is established,[Redacted] total units,[Redacted] units sold, and the FNMA Waiver of Condo Project Review - Type V is checked. The form is signed by Condo Approval Analyst [Redacted] and dated [Redacted]. Since the lender condo review documentation is present in the file, Please Cancel. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10285428 | [Redact] | [Redact] | 36351600 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10285428 | [Redact] | [Redact] | 36535038 | 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 Commitment in file. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10285428 | [Redact] | [Redact] | 36535056 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Reviewer Comment (2026-05-20): Rider provided Seller Comment (2026-05-20): mortgage with riders |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10285428 | [Redact] | [Redact] | 36535064 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-05-21): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-05-20): Elevated to the client for review Seller Comment (2026-05-20): please forward to the buyer. this should be waived |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10285822 | [Redact] | [Redact] | 36352292 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): Please find listed Note tracking #[Redacted] delivered today [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9976789 | [Redact] | 36352778 | 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] | CDA value does not match with the Primary Appraisal. Require updated CDA in the file. | Reviewer Comment (2026-01-23): Field review was provided Buyer Comment (2026-01-20): Field review uploaded |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | N/A | No | ||||||||||||||
| [Redact] | 9976789 | [Redact] | 36352779 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Guidelines requirement not met. Account statement with a balance of $[Redacted] as of [Redacted] was provided. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator,[Redact] | Reviewer Comment (2025-12-11): Client requested to downgrade and waive. Buyer Comment (2025-12-08): exception approval with mitigating factors uploaded. |
12/11/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | N/A | No | ||||||||||
| [Redact] | 9976789 | [Redact] | 36352780 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Guidelines requirement not met. Account statement with a balance of $[Redacted] as of [Redacted] was provided. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator,[Redact] | Reviewer Comment (2025-12-11): Client requested to downgrade and waive. Buyer Comment (2025-12-08): exception approval with mitigating factors uploaded. |
12/11/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | N/A | No | ||||||||||
| [Redact] | 9976789 | [Redact] | 36352781 | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. | Guidelines require ___ of reserves, and verified reserves are ___. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Guidelines requirement not met. Account statement with a balance of $[Redacted] as of [Redacted] was provided. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator,[Redact] | Reviewer Comment (2025-12-11): Client requested to downgrade and waive. Buyer Comment (2025-12-08): exception approval with mitigating factors uploaded. |
12/11/2025 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | C | A | N/A | No | ||||||||||
| [Redact] | 10285941 | [Redact] | [Redact] | 36352835 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10286809 | [Redact] | [Redact] | 36357468 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288195 | [Redact] | [Redact] | 36361123 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288194 | [Redact] | [Redact] | 36361126 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288737 | [Redact] | [Redact] | 36365188 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288738 | [Redact] | [Redact] | 36365216 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288765 | [Redact] | [Redact] | 36365596 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): The collateral was delivered [Redacted] via [Redacted] trk#[Redacted]. |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10288765 | [Redact] | [Redact] | 36657952 | 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. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10288766 | [Redact] | [Redact] | 36365892 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10288766 | [Redact] | [Redact] | 36645452 | 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. | The verification appraisal delivered to the borrower was not provided. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10289277 | [Redact] | [Redact] | 36367448 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10289277 | [Redact] | [Redact] | 36585788 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Note: the lenders DSCR worksheet used a lower PITIA payment than verified with the CD and docs in file, causing the DSCR to be < [Redacted]. | Reviewer Comment (2026-06-11): DSCR is now over [Redacted] Reviewer Comment (2026-06-11): Both Final 1003 and Final CD reflect a tax amount of $[Redacted], whereas Form 1008 shows $[Redacted]. However, the verified correct tax amount is $[Redacted]. Updated versions of Form 1008, Final CD, and Final 1003 reflecting the corrected tax amount are required. Exception remains. Seller Comment (2026-06-09): Please see Underwriter response: The title, tax cert, and final CD all show taxes are $[Redacted] per year ($[Redacted]/ month) which is the correct amount, and this was used on the income worksheet with a DSCR ratio > [Redacted]. The $[Redacted] amount in the system is not correct, and the correct amount that was used $[Redacted] / month has the DSCR ratio > [Redacted]. Reviewer Comment (2026-06-05): Tax verification and title commitment showing the tax amount $[Redacted] per year, however Final CD and 1003 are showing $[Redacted] per month. UW worksheet is showing $[Redacted] which is contradicting. Corrected documents and Tax verification with address is required. Exception Remains. Seller Comment (2026-06-04): Please find attached DSCR Worksheet. The UW provided the below information: Taxes in system currently: [Redacted]/mo Taxes per title and final approval: [Redacted]/mo With correct taxes- the DSCR is in line above [Redacted]% |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10289277 | [Redact] | [Redact] | 36585825 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-05-28): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10289279 | [Redact] | [Redact] | 36367494 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): Please find Tracking #[Redacted] for Note delivery today. |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289287 | [Redact] | [Redact] | 36367615 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289281 | [Redact] | [Redact] | 36367668 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): [Redacted] Tracking Number [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289299 | [Redact] | [Redact] | 36367749 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10289299 | [Redact] | [Redact] | 36611328 | 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. | The verification appraisal delivered to the borrower was not provided. | 06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10289308 | [Redact] | [Redact] | 36367985 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289304 | [Redact] | [Redact] | 36367996 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): Please find attached [Redacted] Tracking Number [Redacted] for Note Delivery. |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289309 | [Redact] | [Redact] | 36368025 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10289309 | [Redact] | [Redact] | 36642627 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10289305 | [Redact] | [Redact] | 36368039 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): [Redacted] Tracking Number [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291161 | [Redact] | [Redact] | 36373570 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291168 | [Redact] | [Redact] | 36373773 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291168 | [Redact] | [Redact] | 36576608 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate provided was not executed. | Reviewer Comment (2026-05-28): Fully executed Business Purpose Cert provided Seller Comment (2026-05-28): business purpose |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10291168 | [Redact] | [Redact] | 36576609 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization not provided. Note: Business Purpose Certificate provided was not executed. The executed copy will clear this condition. | Reviewer Comment (2026-05-28): Fully executed Business Purpose Cert provided Seller Comment (2026-05-28): business purpose |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10291228 | [Redact] | [Redact] | 36374242 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): (Rate Lock) [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291226 | [Redact] | [Redact] | 36374272 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291226 | [Redact] | [Redact] | 36536909 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted]business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291226 | [Redact] | [Redact] | 36536914 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291279 | [Redact] | [Redact] | 36374279 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291280 | [Redact] | [Redact] | 36374303 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291280 | [Redact] | [Redact] | 36610579 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | 05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291329 | [Redact] | [Redact] | 36376431 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291335 | [Redact] | [Redact] | 36377462 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): Please find attached [Redacted] Tracking number [Redacted]. |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291336 | [Redact] | [Redact] | 36379226 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291336 | [Redact] | [Redact] | 36660606 | 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. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291336 | [Redact] | [Redact] | 36671242 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-09): business purpose |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291349 | [Redact] | [Redact] | 36380159 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291529 | [Redact] | [Redact] | 36386315 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-29): Collateral docs received by buyer on [Redacted]- Tracking # [Redacted] |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291529 | [Redact] | [Redact] | 36548286 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide Right to Receive a Copy appraisal disclosure to consumer. | Reviewer Comment (2026-05-27): Client elected to waive the condition |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10291836 | [Redact] | [Redact] | 36386830 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291975 | [Redact] | [Redact] | 36387453 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291975 | [Redact] | [Redact] | 36585917 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-05-28): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10293063 | [Redact] | [Redact] | 36393507 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Please find attached [Redacted] Tracking [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293064 | [Redact] | [Redact] | 36393534 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293064 | [Redact] | [Redact] | 36540719 | 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 Evidence: ___; State: ___ |
The 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. | 05/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10293066 | [Redact] | [Redact] | 36393812 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293248 | [Redact] | [Redact] | 36394740 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293415 | [Redact] | [Redact] | 36395704 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293417 | [Redact] | [Redact] | 36397227 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10293417 | [Redact] | [Redact] | 36544836 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-05-21): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10293695 | [Redact] | [Redact] | 36397456 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10296041 | [Redact] | [Redact] | 36402475 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10296041 | [Redact] | [Redact] | 36671260 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-09): Please see attached business purpose certificate |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10296122 | [Redact] | [Redact] | 36402673 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296122 | [Redact] | [Redact] | 36643590 | 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. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296121 | [Redact] | [Redact] | 36402795 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10296128 | [Redact] | [Redact] | 36402869 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296128 | [Redact] | [Redact] | 36664941 | 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 Evidence: ___; State: ___ |
The 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. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10296128 | [Redact] | [Redact] | 36664957 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10296128 | [Redact] | [Redact] | 36664958 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10296130 | [Redact] | [Redact] | 36402929 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296130 | [Redact] | [Redact] | 36538223 | 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. | 05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296971 | [Redact] | [Redact] | 36403019 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10296979 | [Redact] | [Redact] | 36403052 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10297163 | [Redact] | [Redact] | 36403838 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Collateral delivered on[Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10297860 | [Redact] | [Redact] | 36409356 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10297861 | [Redact] | [Redact] | 36409391 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Please find attached [Redacted] Tracking [Redacted] Seller Comment (2026-05-20): Please find listed [Redacted] Tracking# [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298318 | [Redact] | [Redact] | 36411807 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298319 | [Redact] | [Redact] | 36411815 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-12): Please find listed [Redacted] Tracking #[Redacted] delivered [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298320 | [Redact] | [Redact] | 36411821 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298320 | [Redact] | [Redact] | 36697589 | 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. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298320 | [Redact] | [Redact] | 36697590 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-06-11): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10298457 | [Redact] | [Redact] | 36415872 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10213630 | [Redact] | 36415935 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Updated Certificate of Good standing is missing for business entity. Available Good standing dated [Redacted]. | Reviewer Comment (2026-04-09): Received Certificate of good standing for the entity. Exception cleared. Buyer Comment (2026-04-08): COG |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10213630 | [Redact] | 36415936 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | For loans vested in an entity, a report is required for all members of the entity and the entity should be included as a participant that is compared against industry watch and exclusionary lists. Available Individual fraud report did not include Business entity as participant. | Reviewer Comment (2026-04-14): Received Fraud report for the entity "[Redacted]". Exception cleared. Buyer Comment (2026-04-13): updated report Reviewer Comment (2026-04-09): Fraud report received for the entity "[Redacted]" instead of [Redacted]. Provide updated fraud report for the entity as "[Redacted]" or Entity as a participant in the watchlist. Exception remains. Buyer Comment (2026-04-08): see page [Redacted] of [Redacted] |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10213630 | [Redact] | 36415937 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-04-24): Cleared. [Redacted] accepts. |
04/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10298489 | [Redact] | [Redact] | 36416880 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298508 | [Redact] | [Redact] | 36417089 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298508 | [Redact] | [Redact] | 36846527 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-07): Received Business purpose certificate. Exception cleared. Seller Comment (2026-07-06): Please see attached business purpose cert. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10298508 | [Redact] | [Redact] | 36846528 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-07): Received Business purpose certificate. Exception cleared. Seller Comment (2026-07-06): Please see attached business purpose cert. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10298572 | [Redact] | [Redact] | 36418115 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-28): [Redacted] Tracking Number [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298658 | [Redact] | [Redact] | 36418600 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298868 | [Redact] | [Redact] | 36419151 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10298868 | [Redact] | [Redact] | 36642024 | 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. | Verification appraisal delivered to borrower was not provided. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10298862 | [Redact] | [Redact] | 36419183 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-22): Waived on Rate Lock: Collateral cleared by Custodian |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299603 | [Redact] | [Redact] | 36429848 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted] at [Redacted]. |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10299603 | [Redact] | [Redact] | 36675877 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not provided. | Reviewer Comment (2026-06-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-09): business purpose |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10299603 | [Redact] | [Redact] | 36675893 | 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. | Verification that the appraisal was delivered to the borrower was not provided. | 06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10299677 | [Redact] | [Redact] | 36431024 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299697 | [Redact] | [Redact] | 36431612 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299852 | [Redact] | [Redact] | 36432394 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10304280 | [Redact] | [Redact] | 36442088 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10304325 | [Redact] | [Redact] | 36442419 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10304991 | [Redact] | [Redact] | 36448864 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Please find listed [Redacted] Tracking# [Redacted], proof of delivery today |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10304991 | [Redact] | [Redact] | 36669695 | 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. | The verification appraisal that was delivered to the borrower was not provided. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304992 | [Redact] | [Redact] | 36448928 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10304992 | [Redact] | [Redact] | 36641385 | 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. | Verification appraisal delivered to borrower was not provided. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10305078 | [Redact] | [Redact] | 36449095 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): (Rate Lock) [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305078 | [Redact] | [Redact] | 36630711 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | No evidence that the borrower received a copy of the appraisal [Redacted] business days prior to closing. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10306073 | [Redact] | [Redact] | 36457252 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): (Rate Lock) [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306078 | [Redact] | [Redact] | 36457536 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): See attached collateral package with shipping info |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10306078 | [Redact] | [Redact] | 36576642 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty - Business Entity | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of [Redacted]. Prepayment language states prepayment will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-05-27): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-05-27): Elevated to the client for review Seller Comment (2026-05-27): see attached [Redacted] GL allow. If cannot be cleared please waive to EV 2 |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10306657 | [Redact] | [Redact] | 36459089 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306684 | [Redact] | [Redact] | 36460068 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Please find listed [Redacted] Tracking #[Redacted] for proof of delivery today |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306845 | [Redact] | [Redact] | 36460635 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): (Rate Lock) [Redacted] |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10306845 | [Redact] | [Redact] | 36610018 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10306845 | [Redact] | [Redact] | 36610019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | Reviewer Comment (2026-06-23): Client elected to waive the condition |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10307543 | [Redact] | [Redact] | 36468513 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307543 | [Redact] | [Redact] | 36671072 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-09): business purpose |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307552 | [Redact] | [Redact] | 36468958 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-29): [Redacted] Tracking Number [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307552 | [Redact] | [Redact] | 36590980 | Credit | Hazard Insurance | Insufficient Coverage | Hazard 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 (2026-06-04): Revised HOI provided with additional coverage Seller Comment (2026-06-04): updated HOI |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307567 | [Redact] | [Redact] | 36469118 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307680 | [Redact] | [Redact] | 36469527 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307680 | [Redact] | [Redact] | 36748036 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier (ULI) is blank in the file. | Reviewer Comment (2026-06-18): ULI provided Seller Comment (2026-06-18): UID is listed on the top of the 1003 |
06/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307680 | [Redact] | [Redact] | 36749252 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-07-06): Received Guarantor Agreement. Exception cleared. Seller Comment (2026-07-02): Please see attached guaranty agreement. |
07/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307684 | [Redact] | [Redact] | 36469816 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228342 | [Redact] | 36486780 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Require Tax certificate as the provided does not match with lender's calculation. | Reviewer Comment (2026-01-30): Noted Corrected DSCR calculation worksheet. exception cleared. Buyer Comment (2026-01-29): corrected dscr calc Buyer Comment (2026-01-29): pccd to match prop tax 1003/1008 PG 1 Reviewer Comment (2026-01-28): Received 1008, Final 1003 and PCCD with monthly Tax amount updated as per the Tax cert provided. However DCSR calculation worksheet reflects the DCSR ratio as [Redacted] instead of [Redacted] as per the new PITIA. Corrected DSCR calculation worksheet is required. Exception remains. Buyer Comment (2026-01-27): pccd to match prop tax 1003/1008 PG 1 Reviewer Comment (2026-01-22): Received the same 1008 and 1003 with revised tax amount, however Updated PCCD with changes in Tax amount $[Redacted]. on page [Redacted] estimated taxes, insurance section. Exception remains Buyer Comment (2026-01-22): 1003 and 1008 Reviewer Comment (2026-01-21): Received 1008 and 1003 with revised tax amount, however Updated PCCD Require with change in Tax amount $[Redacted]. Exception remains Buyer Comment (2026-01-20): revised 1008 prop tax to match cert Buyer Comment (2026-01-20): revised 1003 prop tax to match cert Reviewer Comment (2026-01-14): Received Tax cert is for Quarterly Tax amount as $[Redacted]/ $[Redacted] monthly and Lender has considered $[Redacted] annually / $[Redacted] monthly. Provide Tax cert document that supports the Lender's calculation. Exception remains. Buyer Comment (2026-01-13): Tax Cert |
01/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10228342 | [Redact] | 36486781 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. The 1008 reflects Lease Agreements were used with [Redacted] DSCR but does not reflect a DSCR calculation including PITI. | Reviewer Comment (2026-01-14): DSCR worksheet received. Exception cleared. Buyer Comment (2026-01-13): DSCR |
01/14/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10228342 | [Redact] | 36486782 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Buyer Comment (2026-01-07): Acknowledged non-material EV2 |
01/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | B | D | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10228368 | [Redact] | 36486804 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | As per guidelines CDA is required for all the transactions except with [Redacted] full Appraisals however, only [Redacted] Appraisal is provided and CDA is missing, | Reviewer Comment (2026-02-03): Received CDA. Exception Cleared Buyer Comment (2026-02-02): CDA for subject property Reviewer Comment (2026-02-02): Per Guideline :Collateral Desktop Analysis (CDA) or Appraisal Risk Review (ARR) is required on all loan transactions that don't include 2 appraisals. Exception Remains Buyer Comment (2026-01-29): Seller response- The CU score is [Redacted] the CDA is not required |
02/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10228368 | [Redact] | 36486806 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation |
Reviewer Comment (2026-02-02): Received DSCR worksheet. Exception cleared Buyer Comment (2026-01-29): 1008 with DSCR calculation |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10228368 | [Redact] | 36486807 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Unsourced Large Deposit of $ [Redacted] deposited CD from undocumented acct #[Redacted] to acc #[Redacted]. Require Lox or document to source the large deposit. | Reviewer Comment (2026-02-04): Updated 1003 is provided reflecting [Redacted] Bank #[Redacted] & #[Redacted] used for closing/reserves. Exception Cleared Buyer Comment (2026-02-03): Updated 1003 Reviewer Comment (2026-02-02): Per final 1003 Lender used # [Redacted] and not [Redacted] Account # [Redacted] Updated 1003 require with correction asset used. Exception Remains Buyer Comment (2026-01-30): Seller response- Please be advised that [Redacted] account in question, ending in [Redacted], was used only for the initial deposit sent on [Redacted], and borrower had enough money before the funds were transferred from the CD account. No need to source those funds as borrower didn't use them in this transaction, funds to close came from a different account, [Redacted] Bank, account ending in [Redacted]. |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10228358 | [Redact] | 36486808 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Require Tax Certificate for the subject property. | Reviewer Comment (2026-02-13): Noted. Tax amount was considered from the Appraisal report and can be used as an evidence for the tax cert. Exception Cleared. Buyer Comment (2026-02-13): Lender's response: There is no tax bill supporting the amount used. I have provided the most recent tax bill. It appears the appraisal taxes were utilized for qualification. Please advise what is required to resolve this finding. Reviewer Comment (2026-02-11): Noted. Tax cert provided is for $[Redacted] annual and $$[Redacted] monthly However lender has considered $[Redacted] annually and $[Redacted] monthly Provide tax cert that supports the lender's calculation. Exception remains. Buyer Comment (2026-02-11): [Redacted] tax bill for the subject property. Thank you. |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228358 | [Redact] | 36486809 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or [Redacted]Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Require revised [Redacted] signed by all the required borrowers. Provided [Redacted] is only signed by [Redacted] guarantor and is not notarized. | Reviewer Comment (2026-02-09): BPC received with all guarantors signature and notarized. Exception cleared. Buyer Comment (2026-02-09): BPC Buyer Comment (2026-02-09): Please see the Business Occupancy Affidavits executed by all parties. Please clear. Thank you. |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228358 | [Redact] | 36486811 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the [Redacted] | Reviewer Comment (2026-02-09): Fraud report received for entity. Exception cleared. Buyer Comment (2026-02-09): EIN Buyer Comment (2026-02-09): Lender's comment: Please find the business report for this business. The Ein is not appearing. I do not know why it is not noted. An Ein number has been issued for the business. |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228361 | [Redact] | 36486813 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Buyer Comment (2026-01-29): Acknowledged non material |
01/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10228361 | [Redact] | 36486814 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-02-05): received DSCR Calculation Worksheet. Exception Cleared. Buyer Comment (2026-02-05): DSCR calculation worksheet |
02/05/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10228361 | [Redact] | 36486815 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax Cert provided reflects lower taxes than what was used to qualify. Need updated Tax Cert reflecting $[Redacted]/year. | Reviewer Comment (2026-02-09): Provided tax certificate reflects $[Redacted]*[Redacted] = $[Redacted]/[Redacted]= $[Redacted]. Taxes been paid in quarterly. Exception Cleared Buyer Comment (2026-02-06): Seller response-The tax cert in file is correct. $[Redacted]x [Redacted]= $[Redacted]/[Redacted]=$[Redacted] |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10228357 | [Redact] | 36486819 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. | Reviewer Comment (2026-02-09): DSCR Calculation Worksheet is provided. Exception Cleared Buyer Comment (2026-02-06): Worksheet |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228352 | [Redact] | 36486821 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted]. | Reviewer Comment (2026-02-02): Received Fraud report for the entity. Exception cleared. Buyer Comment (2026-01-30): Fraud |
02/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228344 | [Redact] | 36486824 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or [Redacted] Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | [Redacted] in fie is incomplete. The section was not completed "The Property is not and will not be occupied by me or any family member | Reviewer Comment (2026-02-20): Received BPC. Exception Cleared Buyer Comment (2026-02-19): BPC Reviewer Comment (2026-01-22): Received same Business Purpose Certificate without Borrower initial at "The Property is not and will not be occupied by me or any family member" Exception Remains Buyer Comment (2026-01-21): Business Purpose and Occupancy Affadavit |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228346 | [Redact] | 36486826 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | [Redacted], [Redacted] #[Redacted], open [Redacted] [Redacted] reported [Redacted] as per Credit report, no delinquency noted + [Redacted] mtg stmt - [Redacted] to [Redacted] as per pay history (required [Redacted] month housing history) | Reviewer Comment (2026-02-11): Received Mortgage Statement confirmed Funding date [Redacted] with st payment date [Redacted].Exception Cleared Buyer Comment (2026-02-10): VOM. funding date [Redacted], first payment due [Redacted], |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228360 | [Redact] | 36486829 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Reviewer Comment (2026-02-24): Received Closing protection Letter. Exception Cleared Buyer Comment (2026-02-23): CPL |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10228385 | [Redact] | 36486831 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Subject transaction locked with 1-year prepayment, calculated at [Redacted]%. Loan delivered with no prepayment penalty documentation. Subject transaction will be re-priced with no prepayment penalty. Please confirm subject transaction has no prepayment penalty. | Reviewer Comment (2026-02-25): CLeared based on client directive . Reviewer Comment (2026-02-25): Required updated rate lock document with no PPP. Exception remains Buyer Comment (2026-02-24): Lender confirmed no PPP on this transaction. Please cancel |
02/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228386 | [Redact] | 36486832 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Fraud Report is missing for [Redacted], a [Redacted]. | Reviewer Comment (2026-02-26): Received Fraud Report For business entity. Exception cleared Buyer Comment (2026-02-26): LNR |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228386 | [Redact] | 36486834 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is required as per guideline and is missing in file. | Reviewer Comment (2026-02-26): Received DSCR calculation worksheet. exception cleared Buyer Comment (2026-02-26): Calculation |
02/26/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228386 | [Redact] | 36486835 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Borrower current address is [Redacted], - The borrower is living in a rent-free situation. Per guidelines, rent-free letters are required from both the borrower and the individual providing housing. We have the letter from the individual providing housing; however, the borrower's letter is still required. | Reviewer Comment (2026-02-27): Rent-free letter from both the borrower and the individual providing housing is provided. Exception Cleared Buyer Comment (2026-02-26): Rent Free LOE |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228386 | [Redact] | 36486836 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Per operating Agreement both owners are [Redacted]%. Guides require [Redacted]% or more execute. FIle is missing the other [Redacted]% party executing all required docs and missing credit reports, fraud reports and all other required docs for other borrower/guarantor. | Reviewer Comment (2026-02-27): Operating agreement amendment is provided with borrower ownership as [Redacted]%. Exception Cleared Buyer Comment (2026-02-27): Per Lender: Hello please find the executed amendment to the Operating Agreement indicating the borrower is now [Redacted]% owner of the business. Please clear the condition. Thank you, Buyer Comment (2026-02-27): OA |
02/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228384 | [Redact] | 36486837 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-03-03): Updated secondary valuation provided of [Redacted]. Exception Cleared Buyer Comment (2026-03-02): CDA |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10228384 | [Redact] | 36486839 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file, required as per guide. | Reviewer Comment (2026-03-03): DSCR Calculation Worksheet is provided in file, Exception Cleared Buyer Comment (2026-03-02): DSC Worksheet |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10228369 | [Redact] | 36486841 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or [Redacted] Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Provided BPC in file is incomplete. Not initialed or signed by borrower. | Reviewer Comment (2026-03-02): Signed, initialed and Notarized Business Purpose Certificate received. Exception cleared. Buyer Comment (2026-02-27): Business Purpose Affidavit |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228369 | [Redact] | 36486843 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | First page is missing Note Addendum - Prepayment. | Reviewer Comment (2026-03-02): Received Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-02-27): PPP addendum |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | Yes | ||||||||||||
| [Redact] | 10228369 | [Redact] | 36486844 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | [Redacted], Refinance Investment, [Redacted]#[Redacted], from [Redacted] to [Redacted] Mortgage Statement , missing payment document for [Redacted]. | Reviewer Comment (2026-03-03): Mortgage Statement for [Redacted] #[Redacted]of the month of [Redacted] is provided. Exception Cleared Buyer Comment (2026-02-27): [Redacted] & [Redacted] Mortgage Payment |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228389 | [Redact] | 36486845 | Property | Valuation | Valuation Issue | Valuation | [Redacted] program guidelines require a CDA (Desk Review) | As per guides, Collateral Desktop Analysis (CDA) or Appraisal Risk Review (ARR) is required for loans that do not include [Redacted] appraisals. | Reviewer Comment (2026-03-03): Collateral Desktop Analysis (CDA) provided, Exception Cleared Buyer Comment (2026-03-02): CDA |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10228389 | [Redact] | 36486848 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Dwelling on Hazard Insurance Policy is less than the replacement cost. Provide updated Hazard Insurance Policy with dwelling coverage equal to or more than the replacement cost. | Reviewer Comment (2026-03-03): Dwelling $[Redacted]+ [Redacted]% coverage A which is $[Redacted] is covers. Exception Cleared Buyer Comment (2026-03-02): Per Lender: Please be advised that the dwelling $[Redacted]+ [Redacted]% coverage A which is $[Redacted] is covers . Kindy review and clear |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10228389 | [Redact] | 36486849 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet detailing the DSCR calculation is missing in file. | Reviewer Comment (2026-03-03): 1008 provided with DSCR Calculation. Exception Cleared Buyer Comment (2026-03-02): 1008 |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10228379 | [Redact] | 36486853 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient is $[Redacted]. Please provide additional dwelling to cover the loan amount $[Redacted] or RCE amount of $[Redacted]. amount. | Reviewer Comment (2026-03-06): Received updated Hazard insurance with change in Coverage amount with change in Premium amount however variance is within tolerance limit (Less than$[Redacted]). Exception Cleared Buyer Comment (2026-03-05): Insurance updated to $[Redacted] Reviewer Comment (2026-03-03): Hazard Policy is short of the RCE provided. Reviewer Comment (2026-03-02): Same HOI policy and RCE provided. Provided HOI policy has dwelling $[Redacted] and RCE is $[Redacted] thus resulting in shortfall. Provide HOI policy which has the dwelling amount equal to or more than the RCE amount. Exception remains. Buyer Comment (2026-02-27): Replacement cost estimate |
03/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228379 | [Redact] | 36486854 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity "[Redacted]" . | Reviewer Comment (2026-03-02): Received Fraud report for the entity "[Redacted]". Exception cleared. Buyer Comment (2026-03-02): Background check |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228379 | [Redact] | 36486855 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing and is required as per guide. | Reviewer Comment (2026-03-03): Guarantor Agreement is provided. Exception Cleared Buyer Comment (2026-03-02): Guarantor agreement |
03/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228379 | [Redact] | 36486856 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is required as per guide. | Reviewer Comment (2026-03-03): EIN provided. Buyer Comment (2026-03-03): EIN Co Home Remodels Reviewer Comment (2026-03-02): Employer Identification Number (EIN) document not provided. Provide Employer Identification Number (EIN) document. Exception remains. Buyer Comment (2026-02-27): EIN |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228379 | [Redact] | 36486857 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation required for "[Redacted]" | Reviewer Comment (2026-03-02): Received Articles of Organization/Formation. Exception cleared. Buyer Comment (2026-02-27): Articles of incorporation |
03/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228379 | [Redact] | 36486858 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | As per guide - Lease must have an initial term of at least [Redacted] months. We have it for [Redacted] months only. |
Reviewer Comment (2026-03-03): Allowed when reducing the LTV [Redacted]%. Cleared. Buyer Comment (2026-02-27): Seller response from investors stating use of the subject property as unleased would still qualify |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228380 | [Redact] | 36486860 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance covering a minimum of [Redacted] months' rent is required for the subject property. HOI Dec page provided reflects Rent Loss coverage but it is unspecified. | Reviewer Comment (2026-03-09): Received HOI policy and page [Redacted] of the policy reflects the rent loss not to exceed [Redacted] months. Exception cleared. Buyer Comment (2026-03-05): HOI |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228370 | [Redact] | 36486862 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Approved Lender Exception: Allow use of Appraised value to calculate LTV when R/T & [Redacted]mo seasoning occurs on [Redacted]. Comp Factors: [Redacted]+mo reserves, Fico [Redacted]+ pts and LTV [Redacted]% < maximum. Review for acceptance. | Reviewer Comment (2026-03-10): Subject is a rate and term refinance supported value supported by renovations. Buyer Comment (2026-03-10): Exception not required. Subject was purchased [Redacted] (1004 [Redacted]) with reported renovations of $[Redacted]. VOM reflects original loan amount of $[Redacted] (VOM [Redacted]), Payoff reflects a balance of $[Redacted] (Payoff [Redacted]) and CD reflects cash from borrower of $[Redacted] (CD [Redacted]). Rate and term refinance may utilize appraised value if previous mortgage was not a cash-out. transaction and seasoned for less than [Redacted] months. |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228370 | [Redact] | 36486863 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | No rent loss insurance provided. [Redacted] months required. | Reviewer Comment (2026-03-10): Received the rent loss policy. Buyer Comment (2026-03-10): See policy ([Redacted]) Section D Fair Rental Value - Up to [Redacted]% of coverage A |
03/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228370 | [Redact] | 36486865 | Credit | Guideline | Guideline Issue | Guideline | Refinance transaction without a Lease In Place. | Client requested: Appraisal reflects leased, provide lease agreement. | Reviewer Comment (2026-03-17): Lease agreement provided, hence LTV reduction of [Redacted]% has been removed. Exception Cleared Buyer Comment (2026-03-16): Please find lease agreement for the property. Thank you. |
03/17/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10228370 | [Redact] | 36486866 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Current Street was not provided | [Redacted] Final URLA page [Redacted] reflects [Redacted] primary residence as [Redacted] however page [Redacted] reflects the subject ([Redacted]) as primary residence. Provide corrected Final URLA for[Redacted]. | Reviewer Comment (2026-03-20): Updated 1003 provided reflecting [Redacted] as investment property. Exception Cleared Buyer Comment (2026-03-18): Please see attached the updated 1003 reflecting subject property as an investment property and certification. Please clear. Otherwise, please escalate. Thank you. Please see attached for B2 only that is correct. |
03/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10228391 | [Redact] | 36486868 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | EMD was tendered from acct# [Redacted]. Missing evidence borrower has access to these business funds. | Reviewer Comment (2026-03-18): Received Business Search which noted, Borrower as Registered Agent, Director, President, Treasurer and Secretary of the business, therefore Business Search acceptable document to confirm Borrower only Member owns the business. Exception Cleared Buyer Comment (2026-03-17): Business entity showing our borrower as Resident Agent. Buyer Comment (2026-03-17): Rate Lock Agreement as DSCR and DSCR Income Worksheet completed. |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10228391 | [Redact] | 36486869 | Credit | Guideline | Guideline Issue | Guideline | Missing DSCR Calculation Worksheet per guidelines. | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. |
Reviewer Comment (2026-03-18): Received DSCR Calculation worksheet. Exception Cleared Buyer Comment (2026-03-17): Rate Lock Agreement as DSCR and DSCR Income Worksheet completed. |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313365 | [Redact] | [Redact] | 36490838 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): (Rate Lock) [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313365 | [Redact] | [Redact] | 36751205 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | 06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313365 | [Redact] | [Redact] | 36751206 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | 06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313378 | [Redact] | [Redact] | 36492153 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313405 | [Redact] | [Redact] | 36494472 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): (Rate Lock) [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313405 | [Redact] | [Redact] | 36714904 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted]) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313635 | [Redact] | [Redact] | 36504817 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): [Redacted] Tracking Number [Redacted] |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10314301 | [Redact] | [Redact] | 36518171 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): (Rate Lock) [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314301 | [Redact] | [Redact] | 36733251 | 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. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314431 | [Redact] | [Redact] | 36525056 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10314759 | [Redact] | [Redact] | 36526107 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): (Rate Lock) [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315224 | [Redact] | [Redact] | 36531056 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315378 | [Redact] | [Redact] | 36538046 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315393 | [Redact] | [Redact] | 36538610 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315482 | [Redact] | [Redact] | 36539645 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315500 | [Redact] | [Redact] | 36539884 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315531 | [Redact] | [Redact] | 36540169 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10315531 | [Redact] | [Redact] | 36831206 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-06-29): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315609 | [Redact] | [Redact] | 36540616 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): (Rate Lock) [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317798 | [Redact] | [Redact] | 36547152 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317804 | [Redact] | [Redact] | 36547489 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-05): Waived on Rate Lock: Collateral cleared by Custodian |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10210114 | [Redact] | 36552951 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage is insufficient by $[Redacted]. Please provide RCE or coverage that meets the FNMA requirements. | Reviewer Comment (2026-05-07): Received the Hazard Policy. Buyer Comment (2026-05-06): HOI Buyer Comment (2026-05-05): Master Policy |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265985 | [Redact] | 36552952 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-12): Cleared Buyer Comment (2026-05-12): [Redacted] accepts value, ok to clear |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10265985 | [Redact] | 36552953 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-05-05): Received Fraud report with entity name reflecting as a participant on the watchlist. Exception cleared. Buyer Comment (2026-05-01): fraud rpt, participant list on pg [Redacted] |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10265985 | [Redact] | 36552955 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[Redacted]. As per guide - Properties where the insurance coverage on the declaration page does not cover the loan amount must have a cost estimate from the insurance company or agent evidencing the property is insured for its replacement cost. |
Reviewer Comment (2026-05-05): Received RCE covering the shortfall. Exception cleared. Buyer Comment (2026-05-01): per seller: Checklist of coverage shows loss settlement basis- replacement cost. additional coverage is not required - |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265985 | [Redact] | 36552956 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation required for "[Redacted]" | Reviewer Comment (2026-05-07): Received Articles of Organization/Formation. Exception cleared. Buyer Comment (2026-05-05): articles of organization |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265985 | [Redact] | 36552957 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance Policy required for subject property. | Reviewer Comment (2026-05-05): Received Flood insurance policy for the subject property. Exception cleared. Buyer Comment (2026-05-01): flood policy |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265985 | [Redact] | 36552958 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement required for subject transaction | Reviewer Comment (2026-05-07): Received Guarantor Agreement. Exception Cleared. Buyer Comment (2026-05-05): guaranty |
05/07/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265985 | [Redact] | 36552959 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment required for subject transaction. | Reviewer Comment (2026-05-05): Received Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-05-01): PPP addendum. |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | Yes | ||||||||||||
| [Redact] | 10318627 | [Redact] | [Redact] | 36555532 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): (Rate Lock) [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10318627 | [Redact] | [Redact] | 36776213 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | The verification appraisal was delivered to the borrower was not found in the file. | 06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318623 | [Redact] | [Redact] | 36555600 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): (Rate Lock) [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10318623 | [Redact] | [Redact] | 36806237 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318632 | [Redact] | [Redact] | 36555770 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): (Rate Lock) [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10318632 | [Redact] | [Redact] | 36805474 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification of appraisal delivery to the borrower was not provided. | 06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318918 | [Redact] | [Redact] | 36557947 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318918 | [Redact] | [Redact] | 36651259 | 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 Commitment in file. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10319838 | [Redact] | [Redact] | 36567791 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10319838 | [Redact] | [Redact] | 36640606 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | No evidence that borrower received a copy of appraisal [Redacted] business days to closing. | Reviewer Comment (2026-06-10): Client elects to waive. Reviewer Comment (2026-06-08): Received appraisal waiver. Please provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application date [Redacted]. Exception remains. Seller Comment (2026-06-05): appraisal |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10319841 | [Redact] | [Redact] | 36567838 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): (Rate Lock) [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10319841 | [Redact] | [Redact] | 36806334 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Copy of Closing Protection Letter is not available. | Reviewer Comment (2026-06-29): Received Closing Protection Letter. Exception cleared. Seller Comment (2026-06-26): Attached CPL is dated [Redacted], which is within [Redacted] days prior to the [Redacted] Note Date. Please Clear. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10319841 | [Redact] | [Redact] | 36806335 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Copy of Guarantor Agreement is not available. | Reviewer Comment (2026-06-26): Guarantor Agreement is available. Exception cleared. Seller Comment (2026-06-25): The Personal Guaranty is included in the loan file on ([Redacted]) pages [Redacted]-[Redacted]([Redacted]) identifying [Redacted] and Per [Redacted] as guarantors, [Redacted] as lender, [Redacted] as obligor, and the $[Redacted] The executed signature/notary page dated [Redacted], matching the Note Date. Per [Redacted] Underwriting Guide section [Redacted], Vesting in the Name of an Entity, Wholesale and Direct DSCR loans require the entity to sign the Note and Security Instrument and require a Personal Guarantee from the borrowers. Please Cancel. |
06/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10319843 | [Redact] | [Redact] | 36567897 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): (Rate Lock) [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10319843 | [Redact] | [Redact] | 36647450 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10322358 | [Redact] | [Redact] | 36579392 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): (Rate Lock) [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322358 | [Redact] | [Redact] | 36682890 | 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) ___. | Client exception for FTI with a DSCR of [Redacted], which is less than the guideline requirement 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]. 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. |
[Redacted] months liquid reserves where [Redacted] is required ([Redacted]) LTV of [Redacted] where [Redacted] is maximum or [Redacted] with a DSCR down to .[Redacted] |
Originator Pre-Close,Aggregator,[Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-08): Client elected to waive the condition with the following Compensating Factors: LTV of [Redacted] where [Redacted] is maximum or [Redacted] with a DSCR down to .[Redacted] [Redacted] months liquid reserves where [Redacted] is required ([Redacted]) Credit Depth: [Redacted] years mortgage history and [Redacted] years trade history paid as agreed. |
06/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||
| [Redact] | 10322677 | [Redact] | [Redact] | 36580129 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): (Rate Lock) [Redacted] |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10322677 | [Redact] | [Redact] | 36680517 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test 2009 Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-06-16): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-06-12): Client to review and advise how they wish to proceed. Seller Comment (2026-06-11): [Redacted] - The PPP Rider and Addendum provided for this loan file comply with the [Redacted] Prepayment provisions which would be enforceable even if the "Applicable Law" severability provisions were not included within the text of the executed Rider/Addendum. Although we understand that this has become an industry standard in case of a conflicting contract term and having the provision included would sever/remove the portion that would not be allowed under any state or federal regulation, the additional severability clause would only be needed if the information contained within the Rider or Addendum conflicted with any state prepayment penalty regulations. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10322851 | [Redact] | [Redact] | 36582135 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): (Rate Lock) [Redacted] |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322855 | [Redact] | [Redact] | 36582140 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10322855 | [Redact] | [Redact] | 36649819 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10322853 | [Redact] | [Redact] | 36582153 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): (Rate Lock) [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10322853 | [Redact] | [Redact] | 36607848 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | ECOA Receipt of Appraisal Without Waiver | 06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10322853 | [Redact] | [Redact] | 36632227 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-06-04): Lender's project review provided Seller Comment (2026-06-04): Attached is the Condo Review Custom Page confirming the condo review was completed and approved. The screen reflects Condo Review Type: Limited Review, Condo Review Order Status: Final Condo Review Completed, Condo Review Decision: Approved, and the "Is Non-warrantable Project" box is not checked. The file also contains the [Redacted] Home Condo Review Form on page [Redacted] ([Redacted]), showing the project was approved under FNMA Type Q-Limited Review. A Limited Condo Review can only be completed on a warrantable condo, so the approved Limited Review in the file supports that the project is warrantable. The required warrantability support is present. Please Cancel. Reviewer Comment (2026-06-03): The condo review form does not indicate anywhere condo is warrantable. Please provide the project approval or condo/pud warranty stating condo is warrantable. Exception remains. Seller Comment (2026-06-02): The file contains documentation confirming the condo project is warrantable. Page [Redacted] ([Redacted]), contains the [Redacted] Home Condo Review Form showing the review decision as Approved and the review type as FNMA Type Q-Limited Review. The condo project is warrantable. This was a Limited Condo Review and Limited Condo Reviews can only be completed on warrantable condos, the required warrantability support is present. Please Cancel. |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10324607 | [Redact] | [Redact] | 36586653 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): (Rate Lock) [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10324607 | [Redact] | [Redact] | 36667609 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | M[Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-06-16): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-06-12): Client to review and advise how they wish to proceed. Seller Comment (2026-06-11): [Redacted] - The PPP Rider and Addendum provided for this loan file comply with the [Redacted] Prepayment provisions which would be enforceable even if the " Applicable Law" severability provisions were not included within the text of the executed Rider/Addendum. Although we understand that this has become an industry standard in case of a conflicting contract term and having the provision included would sever/remove the portion that would not be allowed under any state or federal regulation, the additional severability clause would only be needed if the information contained within the Rider or Addendum conflicted with any state prepayment penalty regulations. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10324762 | [Redact] | [Redact] | 36587894 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Please find listed [Redacted] Tracking #[Redacted] for proof of delivery today |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10324762 | [Redact] | [Redact] | 36683823 | 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. | Verification that the appraisal was delivered to the borrower was not provided. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10324762 | [Redact] | [Redact] | 36683824 | 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. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not provided at or before closing. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10325359 | [Redact] | [Redact] | 36588966 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325366 | [Redact] | [Redact] | 36589004 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10325366 | [Redact] | [Redact] | 36641289 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10325360 | [Redact] | [Redact] | 36589042 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): (Rate Lock) [Redacted] |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325370 | [Redact] | [Redact] | 36589283 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): (Rate Lock) [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325374 | [Redact] | [Redact] | 36589292 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): (Rate Lock) [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326651 | [Redact] | [Redact] | 36606202 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10326651 | [Redact] | [Redact] | 36649855 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10326656 | [Redact] | [Redact] | 36606205 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): (Rate Lock) [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326659 | [Redact] | [Redact] | 36606215 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): (Rate Lock) [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327652 | [Redact] | [Redact] | 36611117 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329038 | [Redact] | [Redact] | 36633467 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10329038 | [Redact] | [Redact] | 36724439 | 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. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10330332 | [Redact] | [Redact] | 36651667 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): (Rate Lock) [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10339726 | [Redact] | [Redact] | 36681135 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10339726 | [Redact] | [Redact] | 36865407 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [Redacted] business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-07-07): Earlier disclosure provided Seller Comment (2026-07-06): Please see attached appraisal disclosure. |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10204707 | [Redact] | 36824374 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-05-01): Fraud report for the entity "[Redacted]" received. Exception cleared. Buyer Comment (2026-04-30): Fraud report |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10204707 | [Redact] | 36824375 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | - % of Business Ownership: ___ % of Business Ownership: ___ |
Both borrowers, [Redacted] ([Redacted]% ownership interest) and [Redacted] ([Redacted]% ownership interest), do not meet the minimum [Redacted]% ownership requirement to independently execute all loan documents. Additionally, [Redacted]l, who holds the remaining [Redacted]% ownership interest, is not listed on the loan application and is not a borrower. If [Redacted] is the same person as[Redacted], need Letter of Explanation and/or updated business documents. | Reviewer Comment (2026-05-01): Noted. Name affidavit in file confirming [Redacted] and [Redacted] is the same individual. Therefore [Redacted] and [Redacted] combine the ownership to 100% and meets guide requirement. Exception cleared. Buyer Comment (2026-04-30): per lender: [Redacted] is one and the same person as [Redacted]. See attached Name Affidavit. |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10204707 | [Redact] | 36824376 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The vesting has been updated to [Redacted] per the Security Instrument; however, the Note reflects the borrower as an individual, creating a discrepancy between the loan documents. Please provide an updated Note reflecting [Redacted] as the borrower, consistent with the Security Instrument. | Reviewer Comment (2026-05-18): Updated note document is provided with correct borrower name in LLC. Exception cleared. Buyer Comment (2026-05-14): Note |
05/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10286585 | [Redact] | 36824396 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-26): cleared Buyer Comment (2026-05-26): [Redacted] accepts value |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10286585 | [Redact] | 36824399 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | Per guidelines, for ADU's, the appraisal must demonstrate that the property is typical for the market with a least two comparable properties with similar ADUs. The Appraisal provided only has one comparable with an ADU. | Reviewer Comment (2026-05-20): Requirement met with comparable [Redacted] and [Redacted] reflecting ADU's of minimum [Redacted] comparable. Exception Cleared Buyer Comment (2026-05-19): Appraisal with [Redacted] ADU comps |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10207038 | [Redact] | 36824409 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted]. Require HOI policy covering the duration from the disbursement date. | Reviewer Comment (2026-05-27): Received HOI policy that covers the note date. Exception cleared. Buyer Comment (2026-05-26): HOI |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10207038 | [Redact] | 36824410 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | The employment and income section of the loan application should not be completed. Borrowers pension is mentioned on the Final 1003. | Reviewer Comment (2026-05-27): Updated 1003s provided. Cleared Reviewer Comment (2026-05-27): Updated 1003 not received. As per guide, The employment and income section of the loan application should not be completed. provide updated 1003 with employment and income section left blank. Exception remains,. Buyer Comment (2026-05-27): 1003 |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10207038 | [Redact] | 36824411 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Stocks to be used for reserves only per guidelines. 1008 states refi cah-out and CD has cash from Borrower of $[Redacted]. | Reviewer Comment (2026-05-28): Additional assets provided which meets the reserves requirement. Exception Cleared. Buyer Comment (2026-05-27): [Redacted]#[Redacted]bank statement |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305147 | [Redact] | 36843287 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file for [Redacted], [Redacted]. | Reviewer Comment (2026-03-09): Certificate of Good Standing is provided in file for [Redacted]. Exception Cleared Buyer Comment (2026-03-06): Please see attached certification for the Certificate of Good Standing. Thank you. |
03/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305147 | [Redact] | 36843288 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement is missing in file for [Redacted], [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has owned the subject property for at least [Redacted] years. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] vs [Redacted] | [Redact],Aggregator [Redact] [Redact] |
Reviewer Comment (2026-03-10): Investor accepts and agrees to waive with compensating factors. Reviewer Comment (2026-03-10): Articles confirm two members which confirms both our borrowers are combined [Redacted]% owners and executed all our docs. Buyer Comment (2026-03-10): Please waive and downgrade Buyer Comment (2026-03-10): See email from [Redacted] advising ok to proceed if ownership and % is verified via other means Reviewer Comment (2026-03-10): The Operating Agreement is required by the guidelines, organizational documentation. Buyer Comment (2026-03-10): PER INVESTOR - I haven't reviewed the documents you sent over yet, and I'm not sure I'll need to. In the guideline, we reference the operating agreement as an example ("e.g.") of documentation that can be used to establish a listing of all members/managers and their ownership percentages. If state issued equivalent documentation is provided in lieu of an operating agreement-and that official documentation clearly lists all members/managers and their respective ownership percentages-then it should be considered sufficient to meet the guideline requirement. Please have the documentation re reviewed within the context of the [Redacted] DSCR guidelines, focusing on the requirement itself. Please let me know if there is still an issue with validating all members/managers and their ownership percentage via the documentation Plaza provided with this loan. Buyer Comment (2026-03-10): Is there something else we could request if the Operating Agreement is not required in [Redacted]? Reviewer Comment (2026-03-09): As per guide, operating agreement is required to verify the member and their ownership percentage. Exception remains Buyer Comment (2026-03-06): Hello, the State of [Redacted] does not require an Operating Agreement. They require a Certificate of Formation, which we have and attached here-in. Please accept. Thank you. |
03/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||
| [Redact] | 10305147 | [Redact] | 36843289 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution/Operating agreement is missing in file for [Redacted], [Redacted]. | Reviewer Comment (2026-03-05): Clearing based on open missing operating agreement. |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305147 | [Redact] | 36843291 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Business entity fraud report is missing in file for [Redacted], [Redacted]. | Reviewer Comment (2026-03-12): Received LOX And no result found Fraud report as it is newly formed. Exception Cleared Buyer Comment (2026-03-11): Per Lender: This business was formed recently, [Redacted]. On [Redacted] [Redacted] , no results come up. Please see search by EIN# and search by name attached. The name search yields other businesses but not this business. Our Quality Control department also tried to pull and it is has been determined this LLC is too new. Keep in mind, this is a LLC only formed for real estate as this is a DSCR loan. The business is however active on SOS in the state of [Redacted] that matches the EIN# document already on file. Please clear. Thank you. Buyer Comment (2026-03-11): LNR, Cert, and LOE Reviewer Comment (2026-03-09): If the business is newly formed then we required fraud search report report for business entity. Exception remains Buyer Comment (2026-03-06): Please find attached a certification. This business is newly formed on [Redacted] and we have made attempts to pull the business report through [Redacted], but have not been successful. Nothing has generated. We believe nothing is returning due to the business being newly established. Please escalate, if necessary. Thank you. |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305147 | [Redact] | 36843292 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | CPL, Title report, Tax certificate documents reflects incorrect property address as "[Redacted]", however as per Note document subject street address is "[Redacted]". Lender to ensure all required documents match property address reflected on title report OR provide updated CPL, title report, tax cert. | Reviewer Comment (2026-03-23): Received CPL, Title report and tax cert with property address [Redacted] Street. Exception Remains Buyer Comment (2026-03-20): Please see all of the attached to clear this condition. This property is a duplex which is common situation in regard to the address. The loan closed correctly. Please clear this only item. Thanks! |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305147 | [Redact] | 36843293 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty - Business Entity | [Redacted] Penalty: No prepayment penalties are permissible in the state of [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | Prepay language states prepay will not exceed maximum permitted by applicable law. | Buyer Comment (2026-03-05): Acknowledged non-material EV2 |
03/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10305136 | [Redact] | 36843299 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Business entity fraud report is missing in file for Carolina Properties [Redacted], [Redacted] | Reviewer Comment (2026-04-07): Business entity fraud report is provided in file for [Redacted] reflecting in watchlist. Exception Cleared Buyer Comment (2026-04-06): fraud rpt w/entity listed as participant |
04/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10305136 | [Redact] | 36843302 | Property | Valuation | Valuation Issue | Valuation | Loan requires a Desk Review to be within 10% of the Appraised Value. | Loan requires a Desk Review to be within [Redacted]% of the Appraised Value. Provided CDA produces a value with a negative variance exceeding [Redacted]% from the original appraisal, the loan is ineligible for purchase as per guide. | Reviewer Comment (2026-04-02): Updated appraisal report & CDA provided which reflects CDA value to appraisal Value is -[Redacted]% within [Redacted]% of appraisal Value. Exception cleared Buyer Comment (2026-03-31): Updated UCDP Buyer Comment (2026-03-31): Updated CDA Buyer Comment (2026-03-31): Updated apprasial |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10305145 | [Redact] | 36843303 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. CDA is required due to not having [Redacted] appraisals. | Reviewer Comment (2026-04-09): CDA is provided for subject property. Exception Cleared Buyer Comment (2026-04-08): CDA Reviewer Comment (2026-03-30): As per guide, Collateral Desktop Analysis (CDA) or Appraisal Risk Review (ARR) is required on all loan transactions that don't include [Redacted] appraisals. Exception remains Buyer Comment (2026-03-27): Per seller: CDA rebuttal. CU risk score [Redacted] |
04/09/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10305145 | [Redact] | 36843305 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | As per guide - Borrower must owned and managed income-producing, non-owner-occupied residential or commercial real estate for at least [Redacted] months in the past [Redacted] months. Subject purchased on [Redacted] as per fraud report However there are additional properties on Fraud report but unable to determine the occupancy type. | Reviewer Comment (2026-04-02): Updated 1003 is provided with investment property [Redacted]. Exception Cleared Buyer Comment (2026-04-01): 1003 Reviewer Comment (2026-03-31): Property history received for the property [Redacted] however still unable to identify the occupancy as Investment. Provide either updated 1003 updating the REO section the address and occupancy or Lease agreement with at least [Redacted] months term completed. Exception remains. Buyer Comment (2026-03-27): property details (2) Buyer Comment (2026-03-27): property details |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10305145 | [Redact] | 36843306 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted] | Reviewer Comment (2026-03-26): Business entity fraud report is provided for [Redacted]. Exception Cleared Buyer Comment (2026-03-24): fraud rpt |
03/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10305174 | [Redact] | 36843308 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | [Redacted] Desk Review & Valuation Report address does not match Title address [Redacted]. Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-04-08): Received 1025 report and CDA with updated address. Exception Cleared. Buyer Comment (2026-04-06): [Redacted] |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10305174 | [Redact] | 36843309 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-04-02): DSCR Calculation Worksheet is provided in file. Exception Cleared Buyer Comment (2026-04-01): 1008 |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305140 | [Redact] | 36843311 | 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 first time investor maximum LTV [Redacted]%. & Allow [Redacted]% vs [Redacted]% max LTV when [Redacted] Compensating factor: [Redacted] DSCR with program minimum of [Redacted] with the three units that are currently rented and [Redacted] DSCR with all four units leased. [Redacted] FICO with program minimum of [Redacted]. [Redacted] months of reserves with program minimum of [Redacted] months. Borrower's current primary residence owned for [Redacted] years with $[Redacted] in equity. Fico [Redacted]+[Redacted]([Redacted]); [Redacted] year PPP; DSCR [Redacted]% ([Redacted]%): Primary ownership [Redacted] years; Reserves [Redacted]+ mo. ([Redacted]months). Reivew for acceptance and downgrade consideration. |
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. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-04-03): Lender Exception with Compensating Factors provided. Buyer Comment (2026-04-01): Investor Exception Approval |
04/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10305135 | [Redact] | 36843315 | Property | Valuation | Valuation Issue | Valuation | [Redacted] program guidelines require a CDA (Desk Review) | The file is missing a copy of the secondary valuation required for securitization purposes. Guidelines require a CDA when two appraisals are not provided. Missing CDA. | Reviewer Comment (2026-03-27): CDA is provided for subject property. Exception Cleared Buyer Comment (2026-03-25): CDA |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10305135 | [Redact] | 36843317 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing required for Entity "[Redacted]" | Reviewer Comment (2026-03-23): Received Certificate of Good standing. Exception Cleared Buyer Comment (2026-03-20): cert of good standing |
03/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10305135 | [Redact] | 36843318 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted]. | Reviewer Comment (2026-04-08): received fraud report for the entity. Exception cleared. Buyer Comment (2026-04-06): Fraud |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10305160 | [Redact] | 36843321 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted], [Redacted] | Reviewer Comment (2026-04-14): Received Fraud report with Entity "[Redacted]" as a participant. Exception Cleared. Buyer Comment (2026-04-13): updated fraud report |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305171 | [Redact] | 36843326 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted], [Redacted] | Reviewer Comment (2026-04-09): Business entity fraud report is provided in file for [Redacted]. Exception Cleared Buyer Comment (2026-04-09): PER LENDER- Please see attached business fraudguard report. EIN is not noted. Sometimes the business report does not reflect the EIN number. Please advise. Thank you. |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305171 | [Redact] | 36843327 | Credit | Credit | Credit Eligibility | Credit | Unacceptable credit - outstanding tax lien(s) with no payment arrangements. | There are numerous certificate of liens reflecting on title which needs to be released/satisfied. Instrument number #[Redacted], [Redacted], [Redacted], [Redacted]. | Reviewer Comment (2026-04-13): Certificate of liens reflecting on title report is not of seller as per lender correspondence. Exception Cleared Buyer Comment (2026-04-10): Per Lender - Hello please find the attached email from [Redacted] at the closing attorney regarding the liens noted on Schedule B, part I. They are not linked with the seller. Please clear. Thank you. Reviewer Comment (2026-04-09): Title report reflects certificate of liens reflecting which needs to be released/satisfied. Instrument number #[Redacted], [Redacted], [Redacted], [Redacted]. Exception remains Buyer Comment (2026-04-09): Disregard- Uploaded to other exception Buyer Comment (2026-04-08): PER LENDER- Please see attached business fraudguard report. EIN is not noted. Sometimes the business report does not reflect the EIN number. Please advise. Thank you. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305171 | [Redact] | 36843328 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Require updated Final 1003 for "[Redacted]" to reflect correct occupancy type for all the available REO's. Currently reflecting as primary for all the available REO's. | Reviewer Comment (2026-04-09): Updated final 1003 & 1008 is provided with correct REO's occupancy type. Exception Cleared Buyer Comment (2026-04-09): PER LENDER- Please see the final 1003s for B1 and B2. B1 has all the mortgages noted. B2's 1003 reflect primary and investment properties. Please accept and clear the condition. Thank you. Buyer Comment (2026-04-09): PER LENDER - Please see the final 1003s for B1 and B2. B1 has all the mortgages noted. B2's 1003 reflect primary and investment properties. Please accept and clear the condition. Thank you. |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305137 | [Redact] | 36843330 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Personal guarantees from community property states must be accompanied with a Spousal Consent to Pledge. |
Reviewer Comment (2026-03-31): Spousal Consent form is provided. Exception Cleared Buyer Comment (2026-03-27): spousal consent Reviewer Comment (2026-03-19): Received Martial Or Family Purpose statement which signed by borrower, however require spousal Consent agreement with Spousal Agreement signed Spouse and/or Require parties (If any). Exception Remains Buyer Comment (2026-03-17): [Redacted] Marital Purpose Statement |
03/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10305137 | [Redact] | 36843331 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution required for [Redacted]. or Operating agreement | Reviewer Comment (2026-04-24): Operating agreement is provided in file for [Redacted]. Exception Cleared Buyer Comment (2026-04-23): operating agreement provided Reviewer Comment (2026-04-02): EIN & Articles of Organization is provided, required operating agreement for [Redacted]. Exception remains Buyer Comment (2026-04-01): Operating Agreement and/or Certificate of Authorization granting signing authority to the guarantor(s). |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305137 | [Redact] | 36843332 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is required as per guide. | Reviewer Comment (2026-03-18): Received guarantor agreement signed. Exception cleared. Buyer Comment (2026-03-17): Guaranty Agreement |
03/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305137 | [Redact] | 36843333 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is required for subject property. | Reviewer Comment (2026-03-18): Received Note addendum for prepayment penalty. Exception cleared. Buyer Comment (2026-03-17): Please see addendum uploaded as "Note" Buyer Comment (2026-03-17): Note |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305137 | [Redact] | 36843334 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is required for [Redacted]. or Corporate Resolution | Reviewer Comment (2026-04-24): Operating agreement is provided in file for [Redacted]. Exception Cleared Buyer Comment (2026-04-23): operating agreement Reviewer Comment (2026-04-02): EIN & Articles of Organization is provided, required operating agreement for [Redacted]. Exception remains Buyer Comment (2026-04-01): per guides Operating Agreement and/or Certificate of Authorization granting signing authority to the guarantor(s). is required. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305137 | [Redact] | 36843335 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. |
Reviewer Comment (2026-03-18): DSCR Calculation Worksheet received. Exception cleared. Buyer Comment (2026-03-17): Lock Agreement & DSCR Calculation |
03/18/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305150 | [Redact] | 36843337 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | Lender exception in file [Redacted]- Initial lease term must be at least [Redacted] mos. One unit out of [Redacted] had an initial lease term of less than [Redacted] months and has now converted to month to month. The initial lease term was from [Redacted] to [Redacted]5 and has now converted to a month to month. Lender to confirm acceptance. | 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. |
[Redacted]vs [Redacted] [Redacted] vs [Redacted] |
[Redact],Aggregator [Redact] |
Reviewer Comment (2026-03-18): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-03-16): Approved exception |
03/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10305150 | [Redact] | 36843338 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted]. | Reviewer Comment (2026-04-23): FR is compliant with the new guidance. Buyer Comment (2026-04-23): Please re-review Fraud Report and apply [Redacted] new Fraud Report requirements. Reviewer Comment (2026-04-10): Received Business license report for [Redacted]. however required fraud report from[Redacted], [Redacted], [Redacted],[Redacted] for entity as a participant in the watchlist. Exception remains. Buyer Comment (2026-04-09): Entity Report for [Redacted] |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305154 | [Redact] | 36843340 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Primary Residence [Redacted]- [Redacted]Months Mortgage history verified with [Redacted]#[Redacted] from [Redacted] to [Redacted]. Per guideline, [Redacted] months housing history is required. | Reviewer Comment (2026-04-20): Received Updated VOM Confirmed Payment till [Redacted] from [Redacted]. Exception Cleared Buyer Comment (2026-04-17): VOM and LOX |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305163 | [Redact] | 36843343 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Require updated 1025 and CDA to reflect correct address as per Title "[Redacted]" Provided Docs does not reflect Unit #[Redacted]. |
Reviewer Comment (2026-04-23): Received corrected appraisal with updated address. Exception cleared. Buyer Comment (2026-04-22): Updated Appraisal Reviewer Comment (2026-04-16): Required updated appraisal report with corrected subject address as "[Redacted]". Exception remains Buyer Comment (2026-04-15): CDA Reviewer Comment (2026-04-14): Received CDA with Unit [Redacted] added in the address. However [Redacted] appraisal report with updated address is still missing. Exception remains. Buyer Comment (2026-04-13): updated CDA Reviewer Comment (2026-04-03): Noted. Title Document reflects [Redacted] - [Redacted]. Therefore all credit documents including appraisal and CDA should reflects the same address as per the title report. Hence Provide Updated Appraisal [Redacted] and CDA reflects the address as Note and Title. Exception remains. Buyer Comment (2026-04-01): PER LENDER: Per our Underwriter, the street number and the unit number in Encompass are unit numbers. The CDA covers the entire property so it shouldn't need to have the unit number included. The CDA validates the appraisal that covers the entire property. |
04/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10305163 | [Redact] | 36843344 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Require updated HOI to reflect correct address as per Title "[Redacted]" instead of "[Redacted]" | Reviewer Comment (2026-04-03): Received HOI Declaration page with updated address. Exception cleared. Buyer Comment (2026-04-01): UPDATED DEC PAGE |
04/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305163 | [Redact] | 36843345 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | As per Guide - For loans vested in an entity, a report is required for the entity and all members of the entity. The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted]. | Reviewer Comment (2026-04-14): Received Fraud report for the entity "[Redacted]". Exception Cleared. Buyer Comment (2026-04-13): fraud report |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305165 | [Redact] | 36843348 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Lender used lease amount for DSCR calculation, however Lease agreement is missing. Reduced [Redacted]% for unleased Cash out Refinance Transaction. Per guidelines. If the property is tenant-occupied, the 1007/1025 form or [Redacted] must reflect the current monthly rent, and a copy of the lease for all units must be included in the loan file. |
Reviewer Comment (2026-04-21): Received Lease agreement and LTV reduction not considered since the property is leased. Exception cleared. Buyer Comment (2026-04-17): lease |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305165 | [Redact] | 36843349 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Appraiser's state certification or license number not provided. | Renewed Appraiser license is required as available copy expired on [Redacted] and Report date is [Redacted] | Reviewer Comment (2026-04-22): Received Renewed Appraiser License copy. Exception Cleared Buyer Comment (2026-04-21): license attached |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305186 | [Redact] | 36843355 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or [Redacted] Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Executed Business Purpose certificate is missing | Reviewer Comment (2026-04-20): Received Business Purpose Certificate. Exception Cleared. Buyer Comment (2026-04-17): business purpose Reviewer Comment (2026-04-13): Provided BPC has incorrect subject property address as [Redacted]. Provide initialed, Signed and notarized Business Purpose certificate with updated address. Exception remains. Buyer Comment (2026-04-10): Business purpose loan cert |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305186 | [Redact] | 36843356 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Cert noted address "[Redacted]" whereas Note and title reflects "[Redacted]" Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-04-15): Received updated flood cert. Exception cleared. Buyer Comment (2026-04-13): flood cert |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305186 | [Redact] | 36843357 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | For loans vested in an entity, a report is required for the entity and all members of the entity. Only Individual borrower Fraud Report provided | Reviewer Comment (2026-04-13): Fraud report associated Buyer Comment (2026-04-13): fraud rpt |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305186 | [Redact] | 36843358 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Executed Guarantor Agreement is mssing | Reviewer Comment (2026-04-13): Received Executed Guarantor Agreement. Exception cleared. Buyer Comment (2026-04-10): Guaranty Agreement |
04/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305186 | [Redact] | 36843360 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | Per Guideline Experience Investor is "borrower who has owned and managed income-producing, non-owner-occupied residential or commercial real estate for at least [Redacted] months in the past [Redacted] months. Final 1003 Noted investment property however Borrower Ownership evidencing for [Redacted] Months is missing. requirement not met with subject property. | Reviewer Comment (2026-04-17): Received Deed Confirmed Borrower owned the property since [Redacted]. Exception Cleared Buyer Comment (2026-04-16): deed Reviewer Comment (2026-04-13): Fraud report provided does not reflect any additional properties owned by borrower Final 1003 reflects investment property "[Redacted]" however unable to verify since how long borrower owns this property. Provide Property history report for property "[Redacted]" to confirm since how long has the borrower owned the property. Exception remains. Buyer Comment (2026-04-13): investor experience |
04/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305186 | [Redact] | 36843361 | Compliance | Compliance | State Compliance | State Defect | [Redacted]Prepayment Penalty - Business Entity | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | EV[Redacted], [Redacted] | Buyer Comment (2026-04-09): Acknowledged non-material EV2 |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10305179 | [Redact] | 36843362 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state | Buyer Comment (2026-04-09): Acknowledged non-material EV2 |
04/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305179 | [Redact] | 36843364 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted] | Reviewer Comment (2026-04-20): Received Fraud report for the LLC. Exception cleared. Buyer Comment (2026-04-16): [Redacted] and updated DV attached |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305179 | [Redact] | 36843365 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrower lives rent free. Per guides, Rent-free letters must be provided by both the borrower and the individual providing housing, unless both parties are borrowers on the subject loan. Missing letter from borrower. | Reviewer Comment (2026-04-20): Received Rent Free Letter as per guide. Exception cleared. Buyer Comment (2026-04-17): borrower signature added |
04/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10305182 | [Redact] | 36843366 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted] | Reviewer Comment (2026-04-20): Received Fraud report for the entity "[Redacted]". Exception cleared. Buyer Comment (2026-04-16): LNR |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305182 | [Redact] | 36843367 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Buyer Comment (2026-04-10): Acknowledged non-material EV2 |
04/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10305188 | [Redact] | 36843370 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation required for securitization purposes. CDA is required and was not provided. | Reviewer Comment (2026-04-17): Received CDA as per guide. Exception cleared. Buyer Comment (2026-04-16): CDA |
04/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10305188 | [Redact] | 36843372 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-04-15): Received 1008 with DSCR Calculation in lieu of DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-04-14): revised 1008 reflecting the DSCR calculation |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10305188 | [Redact] | 36843373 | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / MCAW" is missing. | Mismatch in LTV, CLTV and HCLTV ration - As per system generated LTV, CLTV and HCLTV is [Redacted]% with the loan amount $[Redacted], however as per 1008 [Redacted]% with the loan amount [Redacted], require updated 1008 with corrected LTV, CLTV and HCLTV ratio. | Reviewer Comment (2026-04-15): Received updated 1008 with corrected loan amount and LTV/CLTV and HCLTV ratios. Exception cleared. Buyer Comment (2026-04-14): revised 1008 reflecting the DSCR calculation |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10305188 | [Redact] | 36843374 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Per guidelines, Free and Clear status must be documented with the following: ○ Free and Clear letter from the borrower(s), and ○ Recently dated property profile or fraud report showing no liens against the property, or ○ Insurance policy with no mortgagee listed. Fraud Report reflects no mortgage but we are missing the Free & Clear Letter from borrower. |
Reviewer Comment (2026-04-21): Cleared based on new direction. Buyer Comment (2026-04-21): See attached email from [Redacted] re: sufficient documentation to verify free and clear Reviewer Comment (2026-04-21): Per Guideline (Page [Redacted] of [Redacted]) it Refer "Primary Residence Owned Free and Clear • Free and Clear status must be documented with the following: ○ Free and Clear letter from the borrower(s), and ○ Recently dated property profile or fraud report showing no liens against the property, or ○ Insurance policy with no mortgagee listed. Free and Clear LOX is missing. Buyer Comment (2026-04-17): per seller: The provided property profile showing primary is free and clear and the fraud report showing no lien should be sufficient. Reviewer Comment (2026-04-15): Received Property profile for the primary residence "[Redacted]" however as per guide both Free and Clear letter from the borrower(s), and Recently dated property profile or fraud report showing no liens against the property. Therefore provide LOE from borrower confirming property as free and clear and about the current owners of the property as per property profile and fraud report current buyer since [Redacted] are [Redacted] and [Redacted]. Exception remains. Buyer Comment (2026-04-14): property details |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10305185 | [Redact] | 36843377 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-13): Acknowledged non material |
04/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305185 | [Redact] | 36843378 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-04-24): DSCR Calculation Worksheet is provided in file. Exception Cleared Buyer Comment (2026-04-24): dscr Reviewer Comment (2026-04-17): Received DSCR worksheet with P&I as $[Redacted] instead of $[Redacted] thus resulting in DSCR ratio variance. Provide corrected DSCR worksheet with Updated P&I as per Note and DSCR ratio. Exception remains. Buyer Comment (2026-04-16): DSCR |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305185 | [Redact] | 36843379 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Per guidelines, rent-free letters must be provided by both the borrower and the individual providing housing, unless both parties are borrowers on the subject loan. Missing LOE from Borrower. | Reviewer Comment (2026-04-24): Rent-free letter is provided from both borrowers. Exception Cleared Buyer Comment (2026-04-23): lox |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305192 | [Redact] | 36843382 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appriasal report and CDA noted Address : [Redacted] whereas Title report reflected "[Redacted]". Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-04-22): Received Corrected appraisal report with address updated however Required corrected CDA with address updated as "[Redacted]". Lender to ensure all required documents match property address reflected on title report. Exception remains. Buyer Comment (2026-04-22): Appraisal |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10305192 | [Redact] | 36843384 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | HOI noted address [Redacted] whereas Title report reflected "[Redacted]". Lender to ensure all required documents match property address reflected on title report ([Redacted] Unit does not listed in address) | Reviewer Comment (2026-04-27): Email copy is provided from insurance company stating [Redacted] policies are insured covers the detached home. Exception Cleared Buyer Comment (2026-04-23): Lender's response: As explained previously, there are two separate policies, one for each unit, and the address, though listed separately, is correct and match the note and deed. Reviewer Comment (2026-04-23): Received CDA with Updated address also 2 separate HOI Policy with address as "[Redacted]" and "[Redacted]" however address on Title report reflects as "[Redacted]- [Redacted]". Lender to ensure all required documents match property address reflected on title report ([Redacted] Unit does not listed in address). Exception remains. Buyer Comment (2026-04-22): Uploading CDA to this exception because the exception was cleared in error. Reviewer Comment (2026-04-22): Received 2 separate HOI Policy with address as "[Redacted]" and "[Redacted]" however address on Title report reflects as "[Redacted]". Lender to ensure all required documents match property address reflected on title report ([Redacted] Unit does not listed in address). Exception remains. Buyer Comment (2026-04-21): Lender's response: Please see attached. There are two policies for the insured and property addresses are listed correctly on each, matching the address on title, note, and deed. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305192 | [Redact] | 36843385 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | • The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. | Reviewer Comment (2026-04-29): Clear Reviewer Comment (2026-04-29): Received the updated 1008. Cleared. Buyer Comment (2026-04-27): Lender's response: Please see attached. Gross rental monthly income are as follows: $[Redacted] $[Redacted] $[Redacted] Total: $[Redacted]- see attached revised 1008 and all the lease increase documentation. Reviewer Comment (2026-04-24): Noted however provided 1008 with DSCR calculation reflects rent considered as $[Redacted] instead of $[Redacted] as per the lease agreement provided. Thus resulting variance in DSCR ratio. Provide Updated DSCR calculation worksheet with updated ratios ($[Redacted]/ $[Redacted] = [Redacted]). Exception remains Buyer Comment (2026-04-23): Lender's response: The DSCR calculation is on the 1008 and I have provided the approve cert previously as well reflecting this is a DSCR loan. Please see attached. Reviewer Comment (2026-04-22): Received 1008 with DSCR calculation. However DSCR calculation reflects rent considered as $[Redacted] instead of $[Redacted] as per the lease agreement provided. Thus resulting variance in DSCR ratio. Provide Updated DSCR calculation worksheet with updated ratios ($[Redacted]/ $[Redacted] = [Redacted]). Exception remains Buyer Comment (2026-04-21): Please see attached revised 1008 with DSCR calculation and approval cert. |
04/29/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305189 | [Redact] | 36843387 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-28): Acknowledged as non-material. |
04/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305189 | [Redact] | 36843388 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR. | Reviewer Comment (2026-04-28): DSCR calculation worksheet is provided. Exception Cleared Buyer Comment (2026-04-24): DSCR calculation |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305190 | [Redact] | 36843389 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-21): Acknowledged non material |
04/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305190 | [Redact] | 36843391 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Address mismatch, As per title document street name "[Redacted]", as per Flood certificate street name "[Redacted]", Lender to ensure all required documents match property address reflected on title report. | Reviewer Comment (2026-04-28): Received Flood Certificate with address updated as per title and Note. Exception cleared. Buyer Comment (2026-04-24): flood certificate |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305191 | [Redact] | 36843393 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-04-24): Acknowledged non-material EV2 |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10327909 | [Redact] | 36934501 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-06-29): Accepted per [Redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10179302 | [Redact] | 36963662 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-03-20): Revised copy of title commitment received with correct loan amount; Exception cleared. Buyer Comment (2026-03-19): Uploaded |
03/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 9917866 | [Redact] | 37193379 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | [Redacted] account [Redacted] is business account in name of [Redacted]. Evidence of access to funds is missing from file. | Reviewer Comment (2025-12-17): Operating agreement provided Buyer Comment (2025-12-16): OA uploaded |
12/17/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10286419 | [Redact] | 37196884 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-05-12): Title commitment with corrected loan policy amount provided, Exception cleared. Buyer Comment (2026-05-11): uploaded |
05/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10286419 | [Redact] | 37196885 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided | The Approval and loan terms indicate that this loan is Interest Only. | Reviewer Comment (2026-05-20): Updated note showing IO terms provided. Buyer Comment (2026-05-18): uploaded |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No |