|
Client Name:
|
||||||
|
Client Project Name:
|
SEMT 2026-CD6
|
|||||
|
Start - End Dates:
|
3/18/2026 - 8/18/2026
|
|||||
|
Deal Loan Count:
|
253
|
|||||
|
Conditions Report 2.0
|
||||||
|
Loans in Report:
|
253
|
|||||
|
Loans with Conditions:
|
191
|
|||||
|
27 - Total Active Conditions
|
||||||
|
24 - Material Conditions
|
||||||
|
8 - Credit Review Scope
|
||||||
|
1 - Category: Assets
|
||||||
|
1 - Category: DTI
|
||||||
|
3 - Category: Income/Employment
|
||||||
|
3 - Category: Terms/Guidelines
|
||||||
|
4 - Property Valuations Review Scope
|
||||||
|
3 - Category: Appraisal
|
||||||
|
1 - Category: FEMA
|
||||||
|
12 - Compliance Review Scope
|
||||||
|
2 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
1 - Category: Compliance Manual
|
||||||
|
2 - Category: Finance Charge Tolerance
|
||||||
|
1 - Category: Right of Rescission
|
||||||
|
6 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
3 - Non-Material Conditions
|
||||||
|
3 - Credit Review Scope
|
||||||
|
1 - Category: Credit/Mtg History
|
||||||
|
1 - Category: DTI
|
||||||
|
1 - Category: Terms/Guidelines
|
||||||
|
350 - Total Satisfied Conditions
|
||||||
|
113 - Credit Review Scope
|
||||||
|
3 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
11 - Category: Assets
|
||||||
|
11 - Category: Credit/Mtg History
|
||||||
|
24 - Category: DTI
|
||||||
|
25 - Category: Income/Employment
|
||||||
|
6 - Category: Insurance
|
||||||
|
10 - Category: Legal Documents
|
||||||
|
1 - Category: Re-Verifications
|
||||||
|
19 - Category: Terms/Guidelines
|
||||||
|
3 - Category: Title
|
||||||
|
17 - Property Valuations Review Scope
|
||||||
|
16 - Category: Appraisal
|
||||||
|
1 - Category: Property
|
||||||
|
220 - Compliance Review Scope
|
||||||
|
26 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
9 - Category: Compliance Manual
|
||||||
|
4 - Category: Documentation
|
||||||
|
1 - Category: Federal Consumer Protection
|
||||||
|
6 - Category: Finance Charge Tolerance
|
||||||
|
12 - Category: RESPA
|
||||||
|
7 - Category: Right of Rescission
|
||||||
|
3 - Category: State Consumer Protection
|
||||||
|
4 - Category: Texas Home Equity
|
||||||
|
148 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
38 - Total Waived Conditions
|
||||||
|
23 - Credit Review Scope
|
||||||
|
3 - Category: Assets
|
||||||
|
4 - Category: Credit/Mtg History
|
||||||
|
4 - Category: Income/Employment
|
||||||
|
4 - Category: Insurance
|
||||||
|
1 - Category: LTV/CLTV
|
||||||
|
6 - Category: Terms/Guidelines
|
||||||
|
1 - Category: Title
|
||||||
|
4 - Property Valuations Review Scope
|
||||||
|
2 - Category: Appraisal
|
||||||
|
2 - Category: Property
|
||||||
|
11 - Compliance Review Scope
|
||||||
|
1 - Category: Ability to Repay/Qualified Mortgage
|
||||||
|
4 - Category: RESPA
|
||||||
|
4 - Category: Right of Rescission
|
||||||
|
2 - Category: TILA/RESPA Integrated Disclosure
|
||||||
|
©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement
between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.
|
||||||
|
Client Name:
|
||||||||||||||||||||||||||||||||||||
|
Client Project Name:
|
SEMT 2026-CD6
|
|||||||||||||||||||||||||||||||||||
|
Start - End Dates:
|
3/18/2026 - 8/18/2026
|
|||||||||||||||||||||||||||||||||||
|
Deal Loan Count:
|
253
|
|||||||||||||||||||||||||||||||||||
|
Conditions Report 2.0
|
||||||||||||||||||||||||||||||||||||
|
Loans in Report:
|
253
|
|||||||||||||||||||||||||||||||||||
|
Loans with Conditions:
|
191
|
|||||||||||||||||||||||||||||||||||
|
Loan Number
|
Original Principal Balance
|
State
|
Initial Lender ATR/QM Status
|
Loan Level ATR/QM Status
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Condition Category
|
Condition Sub Category
|
Condition Status
|
Initial Securitization Condition Grade
|
Final Securitization Condition Grade
|
Initial S&P Condition Grade
|
Final S&P Condition Grade
|
Condition Code
|
Condition Description
|
Condition Material Indicator
|
Initial Comments
|
Client/Seller Response Comments
|
Conclusion Comments
|
TRID Error Type
|
Cure Method
|
Compensating Factors
|
|
409039517
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT109
|
Finance charge understated by more than $35 (Pmt Stream)
|
No
|
Finance Charge is understated by $XXX due to lender not including Title Closing fee $XXX (fee is part of the service
and should be included in APR/ Finance Charge). Condition is pending re-opening rescission to all title holders with dates allowing for delivery, LOE to borrower, copy of refund for $XXX, corrected PCD and proof of shipping with tracking
information.
|
05/13/26 Client provided an LOE and corrected XXX PCCD. Condition remains. Provide a copy of the $XXX refund check,
proof of delivery that includes tracking information and reopen rescission to all title holders.05/20/26 Client provided a rebuttal from the Seller stating the condition is invalid, there is no requirement for a refund or reopening the
rescission period, as the finance charge can still be considered "accurate" if it is understated by no more than $XXX. The finance charge was understated $XXX, but that does not make it inaccurate for purposes of reopening rescission.
Further, the APR would only be inaccurate if off by more than XXX% and assume a $XXXcharge on a $XXX+ loan would not change APR that much. Condition remains. There is no APR tolerance violation, however in a rescindable transaction, the max
tolerance for the understated Finance Charge is $XXX, not $XXX. In addition, rescission must be reopened for the loan calculation violation. Provide a copy of the $XXX refund check, proof of delivery that includes tracking information and
reopen rescission to all title holders.05/22/26 Client provided another rebuttal from Seller with screenshots of regulations regarding the finance charge testing. Upon review by internal Compliance counsel, the exception is valid, as this is
a Refinance with special foreclosure rules with the right to rescind, which restricts the understated tolerance amount to only $XXX. This testing is used for internal review and does require rescission to be reopened for violations. Provide a
copy of the $XXX refund check, proof of delivery that includes tracking information and reopen rescission to all title holders.05/27/26 Client provided a rebuttal from the Seller agreeing to the refund of the $XXX (with the updated CD),
however they are requesting specific citations that would require reopening of rescission. They state, if the fee is addressed by refunding, the finance charge as originally disclosed would be accurate and all material disclosures would not
change in the updated CD (CD would reflect the $XXX as Lender paid). Condition remains. The regulation includes: (h) Special rules for foreclosures. (1) Right to rescind. After the initiation of foreclosure on the consumer's principal
dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if a fee that should have been included in the finance charge was not included. The Finance Charge was understated on the Final CD, at
consummation, therefore the refund is required along with reopening of rescission. Provide a copy of the $XXX refund check, proof of delivery that includes tracking information and reopen rescission to all title holders.06/25/2026 Client
provided PCCD with refund, Copy of refund check, LOE, Delivered XXX shipping label, copy of reopened H8 Right to Cancel forms for each, e-signed XXX with expiration date midnight of XXX and Disclosure tracking reflecting ROR docs sent viewed
and signed on XXX. Condition remains for the end of rescission period. XXX End of rescission period.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409039517
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance Charge is understated by $XXX due to lender not including Title Closing fee $XXX (fee is part of the service
and should be included in APR/ Finance Charge). Condition is pending re-opening rescission to all title holders with dates allowing for delivery, LOE to borrower, copy of refund for $XXX, corrected PCD and proof of shipping with tracking
information.
|
05/13/26 Client provided an LOE and corrected XXX PCCD. Condition remains. Provide a copy of the $XXX refund check,
proof of delivery that includes tracking information and reopen rescission to all title holders.05/20/26 Client provided a rebuttal from the Seller stating the condition is invalid, there is no requirement for a refund or reopening the
rescission period, as the finance charge can still be considered "accurate" if it is understated by no more than $XXX. The finance charge was understated $XXX, but that does not make it inaccurate for purposes of reopening rescission.
Further, the APR would only be inaccurate if off by more than XXX% and assume a $XXX charge on a $XXX+ loan would not change APR that much. Condition remains. There is no APR tolerance violation, however in a rescindable transaction, the max
tolerance for the understated Finance Charge is $XXX, not $XXX. In addition, rescission must be reopened for the loan calculation violation. Provide a copy of the $90 refund check, proof of delivery that includes tracking information and
reopen rescission to all title holders.05/22/26 Client provided another rebuttal from Seller with screenshots of regulations regarding the finance charge testing. Upon review by internal Compliance counsel, the exception is valid, as this is
a Refinance with special foreclosure rules with the right to rescind, which restricts the understated tolerance amount to only $XXX. This testing is used for internal review and does require rescission to be reopened for violations. Provide a
copy of the $XXX refund check, proof of delivery that includes tracking information and reopen rescission to all title holders.05/27/26 Client provided a rebuttal from the Seller agreeing to the refund of the $XXX(with the updated CD),
however they are requesting specific citations that would require reopening of rescission. They state, if the fee is addressed by refunding, the finance charge as originally disclosed would be accurate and all material disclosures would not
change in the updated CD (CD would reflect the $XXX as Lender paid). Condition remains. The regulation includes: (h) Special rules for foreclosures. (1) Right to rescind. After the initiation of foreclosure on the consumer's principal
dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if a fee that should have been included in the finance charge was not included. The Finance Charge was understated on the Final CD, at
consummation, therefore the refund is required along with reopening of rescission. Provide a copy of the $90 refund check, proof of delivery that includes tracking information and reopen rescission to all title holders.06/25/2026 Client
provided PCCD with refund, Copy of refund check, LOE, Delivered XXX shipping label, copy of reopened H8 Right to Cancel forms for each, e-signed XXX with expiration date midnight of XXX and Disclosure tracking reflecting ROR docs sent viewed
and signed on XXX. Condition remains for the end of rescission period. XXX End of rescission period.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409039517
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal fee on LE XXX. COC dated XXX indicates fee increased
due to required 2nd Appraisal. File contains only one Appraisal. Please provide 2nd Appraisal or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
05/22/26 Client provided another XXX COC stating the Appraisal Fee of XXX plus XXX for desktop analysis. Condition
remains. Provide further details of what "change in circumstance" actually occurred. Subject to re-review.05/27/26 Client provided another XXX COC adding that the fee was added once the appraisal and UCDP score was received. Condition
remains. The UCDP report received on XXX indicates a Score of 1. Lender to provide further details on how the appraisal and UCDP resulted in the need for the desk review. 06/25/2026 Client provided PCCD with refund, Copy of refund check, LOE,
Delivered XXX shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409039517
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4463
|
UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP
|
No
|
Missing UCDP from Fannie Mae.
|
5.14.2026 Client provided FNMA UCDP w/CU Score 1.0; file have a 3rd party CDA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409040366
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has 0x30 on current and previous mortgage
|
|
409041553
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business
days prior to closing
|
No
|
The consummation date for the transaction is XXX. The file contains a Final CD:XXX and CD:XXX
|
07/08/26 Client provided the Initial XXX CD, Tracking and Loan Status list. Consummation Date is XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX % Max DTI allowed is XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409041553
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX
|
07/08/26 Client provided the Initial XXX CD, Tracking and Loan Status list. Consummation Date is XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX % Max DTI allowed is XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409041553
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was
not timely disclosed; insufficient credit or refund provided
|
No
|
07/08/26 Client provided the missing Initial XXX CD, Tracking and Loan Status list. The Discount Points increased
without a COC or updated Rate Lock in file. Provide the missing COC and/or Lock details for the increased Points on the XXX Initial CD. Subject to re-review.
|
07/10/2026 Client provided a screen shot of pricing with explanation of rate lock expired, the rate was relocked at XXX
and Discount points of XXX%.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX % Max DTI allowed is XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $ XXX )
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409043434
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per disclosure tracker Post CD was issued XXX Post CD not provided. Missing Post CD.
|
05/28/26 Client provided the missing XXX PCCD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one lien free REO
|
|
409043434
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID4056
|
TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the
XXX Calculated Total Payment Amount
|
No
|
05/28/26 Client provided a XXX PCCD package from disbursement. The Total of Payments is tested at Consummation and the
PCCD reflects an added $XXX Title Notary Fee. TOP is understated by $XXX. Borrower is due a refund check for $XXX, corrected PCCD, LOE, proof of delivery with tracking and reopen rescission to all title holders.
|
06/04/26 Client provided a duplicate XXX PCCD package and the following Per seller: This file had a big out of
tolerance cure that was corrected during the rescission period of this file. A new CD was generated and sent to the borrower on XXX. Please see the attached revision. The notary fee was already included on that CD along with the tolerance
cures needed. Condition remains. The Title Notary Fee added post-closing is causing the Total of Payments violation of $XXX. This is not part of the tolerance cure for the Appraisal charges. The PCCD does reflect a correct TOP now. Borrower
is due a refund check for $XXX, LOE, proof of delivery with tracking and reopen rescission to all title holders.06/10/2026 Client provided PCCD 6/8 with refund added, copy of refund check, LOE, re-opened H8 ROR expiration dated XXX and
shipping delivered XXX shipping label. Condition remains for end of rescission period. XXX The new rescission period is now expired.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one lien free REO
|
|
409043434
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
Credit
|
LTV/CLTV
|
Waived
|
B
|
B
|
B
|
B
|
CRDLTV5736
|
LTV Exceeds Guideline Requirement by less than 5%
|
No
|
Max LTV for cash out >XXX on XXX loan amount is 60%; qualifying LTV is XXX%.
|
5/27 Client provided approved exception to allow the file at XXX LTV
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one lien free REO
|
|
409043434
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Borrowers using cash out proceeds on the subject property to pay off IRS tax lien directly via CD; Client approved
exception in file not yet applied due to A. open conditions and B. exception approved at XXX% LTV. (loan is XXX% LTV)
|
5/27 Client provided approved exception to allow the file at XXX LTV
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, low DTI
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one lien free REO
|
|
409043434
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Page 1 of appraisal states One Unit Housing High: XXXSubject appraised value: XXXAppraiser to address / correct
discrepancy.May be subject to additional conditions upon review.
|
6.2.2026 Client provided updated appraisal with appraiser commenting on initial request with no concern regarding
marketability for the subject and does not indicate that the subject is an over-or under-improvement.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one lien free REO
|
|
409043434
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR173
|
Comp Photos Unacceptable
|
No
|
Appraiser to provide acceptable photo of Comp 2
|
6.2.2026 Client provided updated appraisal with copy of Comp 2 photo (pg 16 or 34)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one lien free REO
|
|
409046385
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Appraisal Inspection fee on a revised CD XXX (initial fee is $XXX,
decreased to $XXX) with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
07/06/26 Client provided an LOE from Lender with the Appraisal/Change timeline and the missing XXX COC for the
Inspection Fee (XXX Appraisal completed subject-to).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
|
|
409046385
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Missing final VOE for XXX from XXX no more than 10 business days before the note date (XXX).
|
6.15.2026 Client provided VVOE for B2 dated XXX for requested employment dated within 10 business days of Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
|
|
409046983
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business
days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
06/25/26 Client provided the missing XXX Initial CD and XXX Revised CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage
|
|
409046983
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD acknowledged by all title holders min 3 days prior to closing date.
|
06/25/26 Client provided the missing XXX Initial CD and XXX Revised CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage
|
|
409046983
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero percent tolerance due to increase in Points from $XXX to $XXX on Final CD:XXX COC is dated XXX in file however a
corresponding disclosure is missing. Condition is pending receiving a missing disclosure or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
06/25/26 Client provided the missing XXX Initial CD and XXX Revised CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage
|
|
409049397
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX(Escrow holdback for $XXX was not included in Lenders Calculations). Condition is
pending receiving cure via refund of the amount of the under-disclosure, LOX, corrected PCCD reflecting cure, and proof of delivery with tracking information.
|
06/04/25 Client provided a revised XXX PCCD, Final Settlement Statement and Audit Log/Tracking. Upon re-review, the
full understated amount at Consummation was $XXX(not $XXX). Since testing occurs at Consummation (not at Funding), the borrower is due a refund check for $XXX with proof of delivery that includes tracking information.06/12/2026 Client
provided PCCD XXX with cure, copy of cure check and LOE. Condition remains for evidence of delivery via tracking information. 06/16/26 Client provided the XXX cure package, Final Settlement Statement, Audit Log for the XXX package (XXX),
screenshot/notepad showing the tracking history XXX refund mailed XXX with no tracking) and an Email from the Borrower confirming receipt of the $XXXcure.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409049397
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge understated by $XXX(Escrow holdback for $XXX was not included in Lenders Calculations). Condition is
pending receiving cure via refund of the amount of the under-disclosure, LOX, corrected PCCD reflecting cure, and proof of delivery with tracking information.
|
06/04/25 Client provided a revised XXX9 PCCD, Final Settlement Statement and Audit Log/Tracking. Upon re-review, the
full understated amount at Consummation was $XXX(not $XXX). Since testing occurs at Consummation (not at Funding), the borrower is due a refund check for $XXX with proof of delivery that includes tracking information.06/12/2026 Client
provided PCCD XXX with cure, copy of cure check and LOE. Condition remains for evidence of delivery via tracking information. 06/16/26 Client provided the XXX cure package, Final Settlement Statement, Audit Log for the XXX package (XXX),
screenshot/notepad showing the tracking history (XXX refund mailed XXX with no tracking) and an Email from the Borrower confirming receipt of the $XXX cure.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409049754
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5806
|
TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.
|
No
|
Missing initial CD issued for non-borrowing spouse. Condition is pending receiving initial CD and NBS acknowledgment of
receipt.
|
07/27/2026 Client provided missing CD XXX and a screen print reflecting Borrowers presumed receipt date XXX. Provide
evidence CD was provided to Non-Borrow for re-review.XXX Client provided an email chain reflecting the Initial CD was sent to the Non-Borrower XXX.
|
Condition Satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409049754
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was
not timely disclosed; insufficient credit or refund provided
|
No
|
XXX percent tolerance in the amount of $XXX due to following: Discount Points increased $XXX to $XXX, CD XXX to CD XXX.
COC dated XX in file referring to Rate Lock extension however fee was not disclosed to borrower within 3 days of findings. Condition is pending receiving missing corresponding revised CD provided to the borrower within 3 days of COC XXX. Or
PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
07/27/2026 Client provided missing CD XXX with a duplicate of COC XXX reflecting lock extension.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409049754
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR848
|
Missing Hazard Insurance
|
No
|
Missing Hazard Insurance
|
7.27.2026 Client provided subject hazard insurance policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409049754
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS findings as required by XXX AUS XXX YR Guidelines ; may be subject to additional conditions upon review
|
7.27.2026 Client provided copy of DU AUS submission #3
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409049754
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing second full appraisal to support $ XXX Appraised Value
|
7.27.2026 Client provided duplicate (in file) appraisal dated XXX with value $XXX (appraiser name XXX and XXX however
missing additional full appraisal, loan file require two full appraisal due to loan amount. Condition remains for 2nd full appraisal. Note: DU provided and 1008 reflect value as $XXX; so possibly the appraisal missing having value of $XXX
7.31.2026 Client provided 2nd full appraisal dated XXX with value of $XXX and lessor value of both appraisals were used for LTV calculation
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409049938
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
1) Missing evidence to either verify XXX PITIA payment ,including HOA dues, or evidence the T/I is escrowed into the
mortgage payment. 2) Missing documentation to verify new XXX debt with a monthly payment of $XXX (per final 1003).
|
6.22.2026 Client provided Mtg statement verifying PITI (escrowed) and monthly HOA of $XXX as reflected on REO of 1003
for requested property. 6.22.2026 Client provided pre-close monitoring report along with statement verifying $XXX monthly payment for XXX new debt
|
06/22/2026- Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409049938
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Waived
|
B
|
B
|
B
|
B
|
CMPTRID5806
|
TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.
|
No
|
Missing initial CD XXX and a revised CD XXX issued and acknowledged by non-borrowing spouse.
|
06/22/26 Client provided an approved exception for the missing the Initial and Revised CD issued to the Non Borrowing
Spouse.
|
Initial and Final Grade B.
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409049938
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
File is missing documentation to verify new XXX debt with a monthly payment of $XXX (per final 1003).
|
6.22.2026 Client provided pre-close monitoring report along with statement verifying $XXX monthly payment for XXX new
debt
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409049938
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing evidence to either verify XXX PITIA payment ,including HOA dues, or evidence the T/I is escrowed into
the mortgage payment.
|
6.22.2026 Client provided Mtg statement verifying PITI (escrowed) and monthly HOA of $XXX as reflected on REO of 1003
for requested property.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409050005
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per XXX and Transaction Information, a Loan Estimate was issued on XXX which is missing from file.
|
06/11/26 Client provided the missing XXX LE and SPL.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050005
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original
Creditor
|
6/8/2026 Client provided an exception approval for using incorrect ROR form
|
6/8/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050005
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Affidavit of Fair Market Value is not signed by lender.
|
06/12/2026 Client provided the Affidavit of Fair Market Value signed by Lender.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050005
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Discount Points increased on CD XXX without a COC in file. Condition
pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
06/19/26 Client provided the missing XXX COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050005
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely
disclosed; refund required within 60 days of consummation.
|
No
|
10% tolerance in the amount of $XXX due to increase in Recording Fees without a COC in file. Condition pending
receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
06/22/2026 Client provided PCCD XXX with cure and COC for LOE. Condition remains for copy of the cure check and
evidence of delivery via tracking information. 06/25/26 Client provided the refund check and shipping label (delivery confirmed).
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of missing income / asset docs
|
7/7 Client provided required docs
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
1. Gift letter - XXX from XXX, page XXX. Gift Funds for XXX from NSS received by the Title company, page XXX. XXX
cashier's check from Borrower - page XXX.Provide copy of the XXX gift funds that the Title company received. May be subject to additional conditions upon review.
|
6.9.2026 Client provided copy of XXX statement #XXX showing $XXX being withdrawn on XXX however this appears to be one
of same as the two cashiers check in file (pg XXX $XXX + $XXX) however initial condition requested for copy of the $XXX gift funds that the Title company received. Condition remains 6.25.2026 Client provided Lender LOX regarding the gift
funds and appears the two cashiers check of $XXX and $XXX coming from XXX#XXX and withdrawn on XXX(same day of closing), only appears to be one (1) gift of $XXX and this is the gift withdrawn and the cashiers check made out to Title company,
XXX asset account is not being used as one of the borrower asset accounts.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
1. Provide sufficient documentation for $XXX monthly tax on XXX REO, as stated on page XXX combined file.2. Provide LOE
/ Clarification / supporting documentation for XXX REO being sold to XXX on XXX per page XXX combined file. Rental income was used on this REO to qualify the loan.3. Provide final Note / Final loan terms etc including monthly payment amount,
for XXX Bridge loan on XXX REO.Subject to DTI / Income / Reserves recalc and may be subject to additional conditions upon review.
|
5.13.2026 Client provided SOS verifying Borrower owner of business: XXX and provided copy of tax bill for XXX REO;
condition remains for still missing #3 in initial condition: 3. Provide final Note / Final loan terms etc including monthly payment amount, for XXX Bridge loan on XXX REO.Subject to DTI / Income / Reserves recalc and may be subject to
additional conditions upon review. 6.9.2026 Client provided loan terms however did not provide evidence of the monthly payment amount for XXX w/XXX Bridge loan. Missing copy of the final Note to support payment. Condition remains 6.25.2026
Client provided duplicate HELOC documents for Bridge loan on XXX and provided LOX Lender calculation used for monthly payment of $XXX used for HELOC payment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
2025 1040 not signed / dated, please provide as required by guidelines.
|
6.11.2026 Client provided signed dated 2025 1040 tax returns
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide sufficient documentation supporting XXX job 'Gainshare' earnings on paystubs are Bonuses. Per WVOE, this is
listed under 'other' income. Subject to income recalc and may be subject to additional conditions upon review.
|
6.11.2026 Client provided employer email clarification stating: Gainshare is an annual bonus
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
D
|
B
|
D
|
B
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide most recent IRS 1040 transcripts per guidelines. May be subject to additional conditions upon review
|
6.11.2026 Client provided signed dated 2025 1040 tax returns however still missing 1040 transcripts. Condition remains
6.25.2026 Client provided Lender email to Client however still missing 2025 1040 transcripts. Initial condition remains Transcripts are required per guidelines when tax returns are used to document income or any loss and must match the loan
file.7/7 Client provided an approved exception to allow the file without the 25 transcripts
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTIL865
|
Title incomplete
|
No
|
Loan amount: XXXTitle Policy amount: XXXProvide updated Title.
|
5.13.2026 Client provided updated Title with Policy amount of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: 0 x 30 for XXX months
|
|
409050308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of missing income docs and REO PITIA docs.
|
6.16.2026 Client provided REO PITIA requested documents and income
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been self-employed with current business since XXX
|
|
409050308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business
days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD
|
06/17/26 Client provided the missing XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been self-employed with current business since XXX
|
|
409050308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD's issues on XXX are the only CD in file. Missing initial CD ( as per tracking in file, disclosure was issued on XXX
) acknowledged by borrowers min 3 days prior to closing date
|
06/17/26 Client provided the missing XXX CD.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been self-employed with current business since XXX
|
|
409050308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
1) Lender used monthly insurance, taxes, HOA dues of $XXX to qualify for an additional property owned located at XXX
Tax, insurance, and HOA dues documentation provided in the file verified total monthly amount of $XXX. File is missing documentation verifying these additional expenses.2) Lender used monthly insurance, taxes, HOA dues of $XXX to qualify for
an additional property owned located at XXX. Tax, insurance, and HOA dues documentation provided in the file verified total monthly amount of $XXX. File is missing documentation verifying these additional expenses.
|
6.16.2026 Client provided evidence of taxes, hoi and hoa for both requested properties appearing to calculate to
slightly less, using amount listed on REO of 1003 for these two requested properties.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been self-employed with current business since XXX
|
|
409050308
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3258
|
Missing Profit and Loss statement for one or more Self Employed borrowers
|
No
|
File is missing a YTD P&L statement for XXX. Income from this business was used to qualify.
|
6.16.2026 Client provided YTD April 2026 P/L for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been self-employed with current business since XXX
|
|
409050325
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Discount Points were added on a revised CD XXX and than increased on final CD XXX with no valid reasons documented on
COC XXX and COC XXX. Condition is pending receiving either latest Rate Lock with expiration date and pricing or PCD reflecting lenders cure, LOE to borrower, a copy of refund for $XXX and proof of delivery via shipping that includes tracking
information
|
06/10/26 Client provided their XXX Lock Confirmation. Condition remains. The Points were added on the Revised XXX CD
and increased on the Final XXX CD. The COCs do not reflect valid explanations for the lock changes. Provide further change documentation for review. Additional conditions may apply.06/11/26 Client provided an Email reflecting the XXX, XXX and
XXX Lock changes, including copies of the Lock Confirmations.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050325
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID5091
|
TRID - Escrow Waiver Fee disclosed in Loan Disclosures, is not contained in Loan Costs, but ALTA or other document
shows it was charged.
|
No
|
Final CD XXX, Escrow Waiver fee is present in Escrow Account, Loan Disclosure but no fee is present in A. section.
Unable to identify if Discount Points include Escrow Waiver fee. Condition is pending receiving either corrected PCD with LOE to borrower or Lock Confirmation with Discount Points breakdown.
|
06/10/26 Client provided the Lock Confirmation reflecting the Escrow Waiver pricing adjustment.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050325
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID5097
|
TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures
|
No
|
Final CD XXX, Escrow Waiver fee is present in Escrow Account, Loan Disclosure but no fee is present in A. section.
Unable to identify if Discount Points include Escrow Waiver fee. Condition is pending receiving either corrected PCD with LOE to borrower or Lock Confirmation with Discount Points breakdown.
|
06/10/26 Client provided the Lock Confirmation reflecting the Escrow Waiver pricing adjustment.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050325
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing the following 1. 2025 IRS extension, 2. 2024 1040s are missing XXX signature and dated by both borrowers; 3.
2025, 2024 and 2023 1120s for XXX are not dated.
|
6/9 Client Provided transcripts in lieu of signature for 1040s and evidence of Extension; still need signed and dated
business tax returns for 2025, 2024 and 2023 1120s for XXX6/10 Client asked for clarification; bus returns provided are signed but not dated; Provide the signed dated taxes 6.24.2026 Client provided copy of 2024/2023 1120S and 2025 under
extension signed dated Form 8879 by Borrower and the acutal business returns are signed, not dated, considering the signed dated Form 8879 along with the signed business returns
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050336
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original
Creditor
|
6/15/2026 Client provided an exception approval for using incorrect ROR form
|
6/15/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B1 has XXX years in profession; B2 has XXX years.
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at current residence.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409050345
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing documentation for B1 to evidence taxes are paid by another for XXX
|
6.24.2026 Client provided copy of cancelled check verifying taxes of $XXX (same per the tax bill) was paid by other two
parties, not paid by our Borrower. Accepting this evidence of taxes being paid by on time by other two parties. Note: this property is listed on REO of 1003 as 2nd home with not PITI info, verified taxes paid by other parties
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Error, We have missing documentation that could increase DTI.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum requirement of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX.
|
|
409050345
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Provide evidence that taxes for XXX is paid by someone other than borrowers. May required additional conditions upon
review.
|
6.22.2026 Client provided copy of tax bill that reflect Borrower name as well on tax bill, condition remains appears
taxes to be included in DTI and appears per Fraud Report this property: XXX#XXX having a pre-foreclose as of XXX and appears to be a condo, missing evidence of monthly HOA and HOI. Condition remains (a) verify full PITIA for this property and
to be included in DTI (updated 1003/1008 and AUS, if applicable and (b). verify there is not a pre-foreclosure on this property. 6.24.2026 Client provided copy of cancelled check verifying taxes of $XXX(same per the tax bill) was paid by
other two parties, not paid by our Borrower. Accepting this evidence of taxes being paid by on time by other two parties. Note: this property is listed on REO of 1003 as 2nd home with not PITI info, verified taxes paid by other parties LOX
in Collaborate: This is the borrower parents home but he is listed as a owner however the parents pay all of the fees associated with the property. See attached tax payment made by the parents.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Error, We have missing documentation that could increase DTI.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum requirement of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX.
|
|
409050379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Guidelines require 3 tradelines, borrower has 1 open tradeline (mortgage) reported for XXX months.
|
7.29.26- Client provided an approved exception request for borrower only having 1 tradeline for XXX mo. due to all
other tradelines being paid off with conditions of "verification of all data (DTI, reserves, etc.) and All other guideline requirements apply.
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
409050379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER110
|
Loan amount exceeds guideline maximum
|
No
|
Loan amount of XXX exceeds the guideline maximum of $XXX
|
7.29.26- Client provided an approved exception request for loan amount of $XXX on XXX% LTV exceeding the program max of
$XXX with conditions of "verification of all data (DTI, reserves, etc.) and All other guideline requirements apply.
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit scoreexceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
409050379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Subject transaction closing in a blind trust which is not allowed by XXX Program or XXX; the blind trust is named XXX
w/ trustee XXX signing all recordable documents including the deed of trust/mortgage.
|
7.29.26- Client provided an approved exception request for closing in a blind trust with conditions of "verification of
all data (DTI, reserves, etc.) and All other guideline requirements apply.
|
Upon review by XXX XXX Condition is deemed Non Material; Client credit scoreexceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
409050413
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely
disclosed; refund required within 60 days of consummation.
|
No
|
XXX% Tolerance Fee of $XXX due to title fees being added or increased with no valid COC in file to support it. Borrower
selected a title provider from SPL, all title fees, along with Recording fee, are tested for 10% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and
proof of delivery via shipping that includes tracking information
|
06/04/2026 Client provided a duplicate copy if CD 5/22 with a Title calculation reflecting Title Premium Adjustment,
which does reflect on the SOT, section L of the CD. Condition remains. Title fees in section B are all tested as 10% tolerance paid to Settlement Agent on the SPL. The Credit on the SOT section L is not a part of XXX% testing. Borrower is
due a refund. Provide PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.06/09/2026 Client provided PCCD XXX with cure and LOE. Condition remains for a copy of the cure check and Evidence of delivery.
06/11/2026 Client provided a copy of the refund check. Condition remains for evidence of delivery via tracking information. 07/01/26 Client provided the delivery confirmation.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITIA Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO
|
|
409050784
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Inspection Fee increased on CD XXX without a COC in file. Condition pending
receipt of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
07/13/26 Client provided a duplicate copy of the XXX CD. Condition remains. The Final Inspection Fee increased by $XXX
on the XXX CD without a valid reason/explanation on the XXX COC. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery.07/20/2026 Client provided a duplicate copy of the XXX CD. Condition remains for a valid reason COC
Stating the change that occurred resulting in the increase of the inspection fee on CD XXX or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery. 07/29/2026 Client provided CD XXX and a screen print with explanation:
Vendor reason: The appraisal can accept with a due date of XXX for a fee of $XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409050794
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX months or $ XXX X XX = $ XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409050967
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified Reserves > program requirement of $XXX(Subject PITI $XXX x XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|||||||||||||||
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing ATR/QM review documentation
|
7.9.2026 Client provided Lender QM status determination worksheet, condition remains for outstanding credit
conditions. Initial condition was due to outstanding credit conditions on file. 7.10.2026 Client provided email from borrower stating having no monthly HOA on requested properties however still missing evidence XXX having no mortgage, HOI in
file reflect a lien w/XXX(pg 23). Condition remains to support having no lien on property: XXX (no mtg payment included in DTI)Note: 2024 Schedule E reflect having no mortgage interest however HOI reflect having a mortgagee and 2025 1040
are not in file and HOI policy is from 2025 - 2026. 7.14.2026 Client provided copy of executed Note for mtg that was on property: XXX PI payment of $XXX; worst case added this PI into the DTI, no effect on DTI
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
List of homeowners counseling organizations in file is dated XXX which is more than three days from Application Date of
XXX
|
07/09/2026 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1297
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file
|
No
|
Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan)
|
07/10/2026 Client provided a signed LOE of being exempt as they are a wholly owned subsidiary of XXX Bank. Also
provided RI HL Protection Act and Business documents including Annual report for Lender. Per review by Internal Compliance, Operational XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP1309
|
RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file
|
No
|
Missing Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost).
|
07/10/2026 Client provided a signd LOE of being exempt as they are a wholly owned subsidiary of XXX Bank. Also provided
RI HL Protection Act and Business documents including Annual report for Lender. Per review by Internal Compliance, Operational Sub of XXX bank.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial LE in file was issued on XXX which is more than three days from Application Date of XXX
|
07/09/2026 Client provided the initial disclosures including the missing LE XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing mortgage statement for XXX or proof no mortgage and proof of hoa or confirmation not in an hoa for XXX and XXX
|
7.10.2026 Client provided email from borrower stating having no monthly HOA on requested properties however still
missing evidence XXX having no mortgage, HOI in file reflect a lien w/XXX(pg 23). Condition remains to support having no lien on property: XXX (no mtg payment included in DTI)Note: 2024 Schedule E reflect having no mortgage interest however
HOI reflect having a mortgagee and 2025 1040 are not in file and HOI policy is from 2025 - 2026. 7.14.2026 Client provided copy of executed Note for mtg that was on property: XXX PI payment of $XXX; worst case added this PI into the DTI, no
effect on DTI
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Missing Statement 20 from the 2024 1040 tax returns.
|
7.10.2026 Client provided copy of 2024 1040's along w/Schedule E other income statement 20; this appears to be for
rental property Schedule E that says see statement 20 however nothing to be considered from this statement 20 for property: XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409050969
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting appraisal value of $XXX due to LCA Score 3.5, which is over 2.5.
|
7.6.2026 Client provided CU Score 1.9 however file was LP approved and LCA score 3.5 is currently being used and is
over 2.5 Initial condition remains. Note: Only LP approval in file, CU Score 1.9 require file to be reviewed to DU, no DU found in file. 7.9.2026 Client provided CU Score 1.9 however file was LP approved w/LCA score of 3.5; condition remains
for 3rd party valuation (CDA) supporting value. 7.14.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% below max XXX%
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
|
|
409051057
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX= $ XXX+ XXX Months for Additional REO or ( $ XXXX 6 = $ XXX)
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|||||||||||||||
|
409051148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves $XXX or XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX
|
|||||||||||||||
|
409051168
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409051168
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Missing the Final CD for the refinance transaction of XXX to evidence borrower receiving $XXX in net proceeds.
|
7.17.2026 Client provided executed Final CD from refinance of property: XXX with payoff of prior existing lien #XXX
w/current lender and Borrower netting cash out of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409051168
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of all components of PITI for the property located at XXX
|
7.17.2026 Client provided executed Final CD from refinance of property: XXX. with payoff of prior existing lien #XXX
w/current lender and new PITI payment of $XXX; XXX reviewed and is a duplex and no monthly HOA being shown and none listed on Final CD of refinance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409051174
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Trust document missing.
|
6.18.2026 Client provided executed and notarized Certification of Trust, both borrowers Trustee
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at current residence XXX years XXX months.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
|
|
409051204
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|||||||||||||||
|
409051209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
No
|
Finance charge understated by $XXX due to Title - Title Closing/Escrow Fee was not included in Lender Finance Charge
calculations. Condition is pending receiving cure via refund of the amount of the under disclosure, LOX, corrected PCCD reflecting cure, and proof of delivery with tracking shipment information.
|
07/07/2026 Client provided PCCD XXX with a copy of refund check, LOE stating incorrectly that the refund is disclosed
in section J on page 2 and delivered shipping label. Condition remains. Provide a corrected PCCD showing refund in section J and/or correct loan calculations, page 5.07/10/2026 Client provided the corrected PCCD XXX reflecting Cure.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Finance Charge Tolerance
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
No
|
Finance charge understated by $XXX due to Title - Title Closing/Escrow Fee was not included in Lender Finance Charge
calculations. Condition is pending receiving cure via refund of the amount of the under disclosure, LOX, corrected PCCD reflecting cure, and proof of delivery with tracking shipment information.
|
07/07/2026 Client provided PCCD XXX with a copy of refund check, LOE stating incorrectly that the refund is disclosed
in section J on page 2 and delivered shipping label. Condition remains. Provide a corrected PCCD showing refund in section J and/or correct loan calculations, page 5.07/10/2026 Client provided the corrected PCCD XXX reflecting Cure.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051209
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5111
|
TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as
not delivered
|
No
|
Earliest XXX in file is dated XXX. Initial LE XXX was e-signed by borrowers. Missing e-consent on or prior to XXX
|
06/17/26 Client provided the XXX XXX Cert, however the "Electronic Record and Signature Disclosure" reflects "Not
Offered via XXX". The Cert does not reflect any Accepted E-Consent. Provide the initial E-Consents for the borrowers.06/25/26 Client provided a printout that reflects E-Consent verbiage with borrower name and date of XXX and IP address.
Condition remains. Provide the missing consent for the Co-Borrower.07/07/2026 Client provided accepted consent for Co-Borrower dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051231
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
409051250
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
The MA Determination of Borrower's Interest Worksheet is Incomplete. Provide the completed MA Borrower Interest
Worksheet.
|
06/30/2026 Client provided the incomplete MA Borrower Interest Worksheet in. Condition remains. Provide a copy of all
required sections completed. Additional Conditions may apply. 07/08/26 Client provided the completed MA Borrower Interest Worksheet.
|
XXX Cancelled and replaced with XXX. Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409051267
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Missing actual calculation/letter of insurance breakdown from the insurance provider for the replacement cost; HOI
coverage is only $XXX not meeting the $XXX requirement.
|
6.11.2026 Client provided subject HOI estimated replacement cost worksheet, HOI reflect sufficient coverage
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at present job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX > guideline minimum of XXX
|
|
409051291
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees.
Charges were included in the fee testing with no violation.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
|
|
409051291
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST3036
|
Assets reflect unsourced deposits
|
No
|
Missing source and explanation of $XXX deposit into XXX #XXX on XXX.
|
7.10.2026 Client provided evidence of wire transfer and HUD-1 from sale of another property XXX sold on XXX with wire
transfer of $XXX into XXX #XXX on XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
|
|
409051300
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing evidence that the funds from the new HELOC mortgage on the departing residence have been transferred to
the borrower or closing agent as required by Fannie Mae guidelines.
|
6.23.2026 Client provided updated DU AUS submission #12 with removing HELOC funds of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
|
|
409051600
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
SNot all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051600
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Property Valuations
|
Property
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAPROP177
|
Property Issues Indicated
|
No
|
Page 1 (and page 3) of appraisal report dated XXX is missing the PUD indicator with HOA dues for subject property.
|
7.6.2026 Client provided updated appraisal reflecting pg 1 as PUD and pg 3 with PUD info
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409051604
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
409051705
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
XXX combo statement is in file for XXX; please provide statement for XXX as 2 consecutive months are required. Subject
to asset recalc and may be subject to additional conditions upon review
|
7.20.2026 Client provided updated most recent statement XXX w/XXX Bank and EMD check of $XXX verified clearing on this
statement (copy of check in original file), updated reserves XXX months and required XXX months
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409051727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing income documentation
|
6/22 Client asked for clarification; Provide complete 2024 1120S Tax Returns with K1s for the following businesses:
XXX. and XXX. Copies in the file are page one only. Provide business W2s, if applicable. Income determination upon review. May require additional conditions upon review. 7/2 Client provided complete returns for XXX P&Ls in file support
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + XXX months for XXX borrower + REO: $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409051727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2700
|
RESPA - List of homeowners counseling organizations not provided w/in 3 days of application
|
No
|
Initial application was taken XXX, the Housing Counselors List in file is dated XXX
|
06/24/2026 Client provided missing List of homeowners counseling organizations dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + XXX months for XXX borrower + REO: $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409051727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + XXX months for XXX borrower + REO: $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409051727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3552
|
TRID - Loan Estimate not timely
|
No
|
Initial application was taken XXX and earliest LE in file is dated X; missingXX LE issued within 3 days of application
|
06/24/2026 Client provided missing Initial LE XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + XXX months for XXX borrower + REO: $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409051727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Appraisal Fee increased on LE XXX without a COC in file. Missing a Change of
Circumstance, or Post Close CD, LOX and copy of refund check to borrower.
|
06/25/26 Client provided the Appraisal Order Email chain reflecting the detailed reason for the fee increase and the
borrower approval of the charge on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + XXX months for XXX borrower + REO: $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409051727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide expense documentation for taxes and homeowners insurance, proof owned free and clear and HOA statement, if
applicable, for borrower property located at XXX, per 1003 REO. Provide a copy of the HOI for borrower's property located at XXX May require additional conditions upon review.
|
6.24.2026 Client provided the following for XXX, provided evidence of taxes and HOI verifying $XXX(same on REO of 1003)
and LOX having no monthly HOA. Condition remains for HOI for XXX6.26.2026 Client provided HOI for XXX and provided property profile for this property (appears to be in LLC name)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + XXX months for XXX borrower + REO: $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409051727
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Provide complete 2024 1120S Tax Returns with K1s for the following businesses: XXX and XXX. Copies in the file are page
one only. Provide business W2s, if applicable. Income determination upon review. May require additional conditions upon review.
|
6.24.2026 Client provided 2024 1120S business returns for both: XXX and XXX. and for XXX income declined with using YTD
2026 P/L however regarding primary source income w/XXX did not locate and end of year 2025 P/L and YTD 2026 P/L for XXX XXX, etc. however no end of year 2025 P/L and YTD 2026 P/L for primary source income w/XXX: XXX end of year 2025 P/L and
YTD 2026 P/L (2025 under extension) 6.26.2026 Client P/Ls for businesses:XXX, XXX and XXX however XXX income being used is from business: XXX and P/L end of year and YTD 2026 is needed for XXX, Condition remains for end of year 2025 P/L and
YTD 2026 P/L for XXX for final income calculation review. 7/1 Client provided evidence that XXX is DBA XXX, However XXX income was used to qualify Condition remains 7/2 Client provided complete returns for XXX P&Ls in file support
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + XXX months for XXX borrower + REO: $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409051815
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing housing payment history to meet the required 0x30xXXX guideline for XXX.
|
7.6.2026 Client provided B2 LOX stating, I was living rent free since XXX/XXX - current and provided updated 1003 to
reflect 1 year 1 month vs 1 mo at current rental residence, along with copy of prior rental housing executed Lease agreement with cancelled check of $XXX from XXX - XXX and current housing since XXX - current no housing rental payment
history.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409051815
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Missing signed and dated page 2 for 2025 and 2024 1040 U.S. Individual Income Tax Return for XXX
|
6.23.2026 Client provided signed dated pg 2 of 2025/2024 1040 for requested Borrower
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409051828
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI. XXX months required
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI
|
|
409051999
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3646
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised
LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
XXX % tolerance in the amount of $XXX due to Title - Signing and Recording Fees increased without a valid COC in file.
A lender cure for $XXX was disclosed; however, an additional $XXX is required. Condition pending receipt of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping
details and tracking information.
|
XXX Client provided a rebuttal with screenshots of the last LE and Final CD fees. Rebuttal states the last LE total
XXX % fees is $XXX and CD is $XXX Required cure is $XXX. Condition remains. The Recording Fee increased on an interim XXX LE without a valid reason listed on the COC. For further testing, provide a valid COC for the Recording Fee increase
to $XXX on the XXX LE. Subject to re-testing. Additional conditions may apply.XXX Client provided a XXX PCCD with cure, LOE, $XXX check and shipping label.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409051999
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR2400
|
Missing Flood Certification Document
|
No
|
Missing Flood Certification
|
XXX Client provided Flood insurance policy (also in file) however initial condition is for missing Flood Certification
document. XXX Client provided copy of subject Flood Certificate document
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409052023
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years, XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- XXX Comments: B1 has XXX years, XXX months in profession; B2 has XXX years, XXX months.
|
|||||||||||||||
|
409052046
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Asset accounts provided are IRA and 401K accounts. Evidence of liquidation of funds used for down payment and closing
costs was not provided.
|
6.22.2026 Client provided copy of wire incoming details report of funds to close $XXX being wired in however missing
evidence of liquidation for funds to close or document liquid assets for this wire of $XXX; assets verified are IRA non liquid assets and per initial condition, was missing evidence of liquidation and only receipt of wire closing funds
provided. Condition remains 7/8 Client provided an exception to allow the file without evidence of liquidation from IRA7.3.2026 Client provided documentation bank statement w/XXX XX & XXX supporting outgoing wire funds to close of $XXX
however now short the EMD of $XXX; missing evidence of this EMD clearing, currently no EMD credit have been given. Missing liquid statement to support clearing of EMD $XXX; short liquid funds to close now due to no evidence of clearing and
no liquid funds are verified, only non liquid funds verified. 7/8 Client provided an exception to allow the file without evidence of liquidation
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX, minimum required is XXX.
|
|
409052328
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Subject Note date is XXX* VOM in file states Date of loan XXX, Title states XXX. Provide updated VOM with corrected
date of loan and most recent XXX months pay history.May be subject to additional conditions upon review.
|
7/1 Client provided corrected VOM
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying credit score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409052328
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
1. Provide sufficient documentation (K1, etc.) supporting B1's percentage owned of XXX to support liability in current
lawsuit.2 Loe regarding lawsuit, page 580 combined file; is not Borrower executed; please provide.-May be subject to additional conditions upon review.
|
7/1 Client provided Lawyer and Borrower LOX indicating potential exposure is unknown however based on demand the
Borrower may have exposure of $XXX; Upon review the Borrower has insufficient assets to cover XXX exposure and maintain sufficient reserves, potential exposure could be greater; Condition remains Borrower has insufficient assets to cover
potential lawsuit exposure 7.6.2026 Client provided Lender LOX stating, Documents uploaded for review per seller, Attached cash value of life insurance policy is $XXX+ so should be sufficient to cover his personal exposure. Response,
Equitable Life (dated XXX) provided reflecting face amount of $XXX and cash surrender value of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying credit score XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409052380
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409052382
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
File is missing a current pay stub with most recent 2 years' W2s OR fully completed written VOE for Borrower 1 to
support monthly base income of $XXX + $XXX in commissions.
|
7.2.2026 Client provided Written VOE (dated 5.14.2026) for B1 covering YTD 2026 and prior years earnings however
appears commission income declined and using average of year 2025 for monthly $XXX updated DTI is XXX% and LP DTI XXX%; provide updated LP/1008 considering average of 2025 commission income of $XXX7.16.2026 Client provided updated LP
submission #7 with requested changes along with 1008 with DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX verified reserves > program requirement of $XXX(Subject PITIA $XXX x XXX).
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX%.
|
|
409052382
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely
disclosed; refund required within 60 days of consummation.
|
No
|
XXX percent tolerance in the amount of $XXX due to increase in Land Survey fee on initial CD XXX with no COC in file to
support it. Borrower selected a survey provider from SPL and fee is tested, along with Recording fee, for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy
of refund and proof of delivery via shipping that includes tracking information.
|
07/02/26 Client provided duplicate copies of the XXX COC and XXX COC along with 1 extra blank page. Condition remains.
Provide the missing COC for the increased Land Survey Fee on the XXX CD, OR provide borrower with a $XXX refund, PCCD, LOE and proof of delivery with tracking.07/14/26 Client provided the following response from the Closer: Borrower shopped
for survey fee no cure is needed - Provide the survey invoice and 2015 settlement service provider list to the investor. Same company but different address for surveyor. Condition remains. The Survey Invoice was located in file, however the
company address is listed as a P.O. Box. Per the actual Survey, the company and address on the Survey itself matches the same company and address listed on the SPL. Cure via valid COC for the fee increase, OR refund to borrower of $XXX, PCCD
with cure, LOE and proof of delivery that includes tracking information.07/17/2026 Client provided PCCD XXX with no Cure showing and LOE stating refund enclosed. Condition remains for PCCD with cure, copy of the cure check and evidence of
delivery via tracking.07/21/26 Client provided the LOE and XXX corrected PCCD reflecting the cure. Condition remains. Provide a copy of the $XXX refund check and proof of delivery with tracking.07/24/2026 Client provided a copy of the refund
check dated XXX. Condition remains for evidence of delivery with tracking. 07/29/2026 Client provided evidence of delivery XXX and verified.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX verified reserves > program requirement of $XXX(Subject PITIA $XXX x XXX).
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX%.
|
|
409052382
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
File is missing a current pay stub with most recent 2 years' W2s OR fully completed written VOE for Borrower 1 to
support monthly base income of $XXX + $XXX in commissions.
|
7.2.2026 Client provided Written VOE (dated XXX) for B1 covering YTD 2026 and prior years earnings however appears
commission income declined and using average of year 2025 for monthly $XXX updated DTI is XXX% and LP DTI XXX%; provide updated LP/1008 considering average of 2025 commission income of $XXX7.16.2026 Client provided updated LP submission #7
with requested changes along with 1008 with DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX verified reserves > program requirement of $XXX(Subject PITIA $XXX x XXX).
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV < program maximum of XXX%.
|
|
409052396
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
Lender exception for use k1 less than XXX% for less than XXX years.
|
7/2/26 Lender approved exception for use of k1 less than XXX% for less than XXX years. UW determined that non-material
due to compensating factors of XXX years at current job, fico score XXX.
|
Final grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409052496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Provide a copy of the XXX
|
7.9.2026 Client provided Lender XXX w/QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX; $XXX x XXX, $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409052496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Missing List of homeowners counseling organizations
|
07/09/26 Client provided the HC List.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX; $XXX x XXX, $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409052496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Missing Right of Rescission form, unable to determine if funding date is after rescission period.
|
07/09/26 Client provided the ROR Forms.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX; $XXX x XXX, $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409052496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
Missing Right of Rescission form
|
07/09/26 Client provided the ROR Forms.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX; $XXX x XXX, $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409052496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Provide a copy of the missing 1008
|
7.9.2026 Client provided Lender 1008
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX; $XXX x XXX, $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409052496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4463
|
UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP
|
No
|
Provide a copy of the FHLMC LCA SSR Report with a score of 2.5 or less. May require additional conditions upon review.
|
7.9.2026 Client provided appraisal dated 5.28.2026 with value of $XXX and LCA/CU both w/score 1.0
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX; $XXX x XXX, $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409052496
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR100
|
Missing Appraisal
|
No
|
Provide a Full 1004 appraisal to support value of $XXX , per LP. PIW are not allowed. May require additional conditions
upon review.
|
7.9.2026 Client provided appraisal dated XXX with value of $XXX and LCA/CU both w/score 1.0
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX; $XXX x XXX, $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409052510
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
(No Data)
|
|||||||||||||||
|
409052562
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX score exceeds XXX min
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current business
|
|||||||||||||||
|
409052577
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Provide a copy of the XXX
|
7/7 Client asked for clarification; Provide lenders QM determination with comp ease, XXX report etc7.8.2026 Client
provided Lender QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXXcredit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXXyears
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409052648
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on
the Seller CD, Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
|
|
409052893
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM
review and render an accurate ATR/QM status.Provide 2 years of paystubs or Written VOE verifying 2 years of bonus income of $XXX/month. Not enough documentation in file to compute bonus.
|
7.3.2026 Client provided Written VOE (work number dated XXX) covering YTD 2026 and prior two years earnings base and
bonus income used for qualifying. Condition remains for missing signed 2025 1040 (per initial condition) 7.21.2026 Client provided signature pg of 2025/2024 signed dated 1040s
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has 0x30 on current and previous mortgages
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit Score
|
|
409052893
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
Provide signed 2025 1040'sProvide 2 years of paystubs or Written VOE verifying 2 years of bonus income of $XXX /month.
Not enough documentation in file to compute bonus.
|
7.3.2026 Client provided Written VOE (work number dated XXX) covering YTD 2026 and prior two years earnings base and
bonus income used for qualifying. Condition remains for missing signed 2025 1040 (per initial condition) 7.21.2026 Client provided signature pg of 2025/2024 signed dated 1040s
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has 0x30 on current and previous mortgages
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit Score
|
|
409052893
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Title is in the name of XXX and XXX Trust. Mortgage is in the name of XXX. and EXXX, Husband and Wife
|
7.3.2026 Client provided signature/name affidavit however initial condition remains: Vesting between Mortgage and Title
do not match. 7.7.2026 Client provided updated Title in name of XXX however Mortgage is in the name of XXX. and XXX, Husband and Wife. Condition remains, updated Title only reflect B1 and Mortgage is B1 and spouse name, husband and wife.
7.15.2026 Client provided LOX stating, Seller comment:XXX is a non-borrowing spouse and will be reflected on the final title policy. Response, condition remains for Final Title reflecting vesting matching Mortgage (per seller LOX). 7.31.2026
Client provided Lender LOX stating the warranty deed is being corrected to put the non-borrowing spouse into title. The final title policy will reflect vesting as XXX. and XXX, husband and wife. 8.12.2026 Client provided copy of Joint Tenancy
warranty deed with vesting matching mortgage deed of Trust
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has 0x30 on current and previous mortgages
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit Score
|
|
409052893
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Provide CDA to support $XXX value. LCA score not assessed.
|
7.3.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has 0x30 on current and previous mortgages
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX Credit Score
|
|
409052928
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing a copy of the most recent mortgage statement, or other documentation, verifying monthly payment of $XXX
for the borrower's departure residence includes escrows for taxes and insurance.
|
6.24.2026 Client provided taxes, HOI etc. for property XXX however this property/documentation don't appear belonging
to our loan file. Initial condition remains for copy of MTG statement for departure home (XXX) payment. 6/25 Client provided the mtg statement supporting payment
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|
409053013
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
|
|||||||||||||||
|
409053029
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
|
|||||||||||||||
|
409053122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409053122
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Active
|
D
|
D
|
D
|
D
|
CRDINC3204
|
Income Documentation Missing
|
Yes
|
Borrower's business XXX has mortgages, notes, etc. due in less than XXX year reported on line 17, Schedule L of the
business tax returns. Documentation verifying this is a line of credit or evidence that these obligations roll over regularly or the business has sufficient liquid assets to cover this debt will be required to support the omission of this
deduction.
|
8.5.2026 Client provided duplicate (in file) YTD XXX P/L and B/S however if considering the option of verifying
business having sufficient liquid asset to cover this debt, business bank statements is required. Condition remains for most recent XXX months business bank statements: XXX. to support sufficient liquid assets to cover Schedule L line 17.
8.7.2026 Client provided undated letter from Controller of business stating the Credit line balances from XXX both lines credit rollover from year to year. Response, Letter provided is undated and from Controller stating both business credit
line however need to specify Schedule L line 17 (due to with review of other business there is no mortgages due in less than XXX year) and to come from CPA of business or provide business bank statement to cover sufficient liquid asset for
this $XXX debt. Borrower is XXX%
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have owned their primary residence for XXX years XXX months.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
|
|
409053125
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
|
|||||||||||||||
|
409053135
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS2854: Significant time in profession
- XXX Comments: B1 has XXX years, XXX months in profession; B2 has XXX years, XXX months.
|
|||||||||||||||
|
409053143
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
409053145
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not all fees included on Borrower Final CD XXX, Seller fees have been sourced on
the Seller CD, Condition Satisfied.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|
409053186
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|||||||||||||||
|
409053240
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
Recalculated B2 income resulted in DTI of XXX% which exceeds the maximum allowable DTI of XXX%. Recalculated B2 income
is $XXX/month using current paystubs provided in the file. Lender calculated income was $XX/month due to using a 12-month average of 2025 W2. Current salary pay is clearly shown on the paystubs and should be calculated using the paystubs.
There is no indication borrower is paid any bonus, commission, or overtime income and it is not supported by the paystubs or 2024 W2.
|
6.19.2026 Client provided an updated DU however DU input still is not correct and income is still under review due to
scenario of income that is being used for qualifying. B1 appears to have two separate sources of income (XXX 1st income and 2nd income is working for XXX, as marked on Final 1003 and B2 works for XXX however is not input as working for XXX.
Condition remains, income is still under review and not finalized. 7.2.2026 Client provided some income documents however DTI currently remains until all requested documentation is provided along with DU changes, however DU changes cannot be
made until clarification of B1 income (using from two locations however updated 1003 now removed the 2nd XXX). DTI currently remains 7.16.2026 Client provided an LOX of income stating small loss for other income ($XXX) did not consider,
borrower has a history of getting other income. Response, currently DTI is XXX% with considering this loss from line 5 (other income) and with review of end of year 2025 P/L there is no other income and same for YTD 2026 P/L reflecting no
other income, DD Firm currently is considering this other income of $XXX into income calculation in which is causing the DTI of XXX% currently. Note: B1 XXX income, still under review for documentation of date business was incorporated due to
URLA and 1120S dates not matching. 7.28.2026 Client provided Lender LOX and some previously reviewed documents (updated 1003 and provided 2023 1040) however DTI is still under review and other income of $XXX not considered by lender,
considered by DD Firm, causing DTI of XXX%.Note: DU changes, when applicable B2 income should be $XXX vs $XXX and input B2 as working for XXX 8.5.2026 Client provided updated DU with requested changes and adding $XXX Dividends/Interest
income for updated DTI of XXX% (2024/2023 1040's support the dividends and most recent XXX statement in file supporting continuance), also considering $XXX vs $XXX for B2 and considering $XXX other income (loss) in calculation of income.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months PITIA in reserves required.
|
|
409053240
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Condition added with review of loan file documents and documentation provided. It appears B1 is XXX% XXX for two
businesses w/same name: XXX however different addresses. B1 income is being used from address: XXXB2 (working for B1 other XXX business) income is being used from address: XXX
|
6.19.2026 Client provided an updated DU with some corrections with 2025 income being under extension and B1 XXX income
appears to be less than XXX years business opened (per 1120S with date of XXX), LOX in file (pg 699) from B1 stating this is an error to see SOS, however taking a look at SOS (pg 1027) this do reflect opened XXX(which is same address listed
on URLA/1003) however will need a copy of the business Articles of Incorporation/Articles of Organization for this business address: XXX (due to pg 849 1120S 2024 business returns says incorporated 1.1.2022/less than XXX years) and only XXX
year of business returns being used for qualifying. Note: URLA and 1120S 2024 date incorporated, no match 8.5.2026 Client provided IRS EIN verification of EIN # used on 2024 1120S verifying as of Year 2018 along with SOS
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months PITIA in reserves required.
|
|
409053240
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2408
|
Income verification does not meet guidelines
|
No
|
It appears co-borrower works for primary borrower's business. An additional year of signed tax returns and IRA tax
transcripts will be required. If co-borrower is not employed by XXX , then documentation/explanation will be required verifying primary borrower does not have ownership interest in co-borrower's employer. If primary borrower does have
ownership interest in co-borrower's employer, then co-borrower's potential ownership in the business must be addressed.
|
6.19.2026 Client provided an updated DU submission #4 however initial condition was not addressed, still missing the
following (a). B2 appears to work for B1 additional 2nd XXX at location: XXX to XXX however B2 income was not input into DU as working for XXX, DU is showing B1 (#22 working for XXX), missing updated DU to show B2 working for XXX and 1003 to
reflect the same and (b) missing additional year (2023) of income for B2 if working for XXX, 2025 1040 are under extension and file having 2024 1040 tax returns and transcripts however will need 2023 1040 and 1040 transcripts if B2 work for
XXXand (c). B2 potential ownership in the business must be addressed, if working for B1 other XXX, if found not working for XXX additional documentation will be required upon review of documentation provided and subject to additional
documentation. 7.2.2026 Client provided updated 1003 showing B2 marked as working for XXX and provided 2023 1040's (however not signed dated and w2's missing for B1/B2). Condition remains: (a) missing 2023 w2's for B1/B2 required and (b)
missing 2023 1040 Transcripts (working for XXX), 1040 currently not signed, transcripts can be used in lieu of signature and (c). updated DU with input of B2 working for XXX and (d). B2 potential ownership still to be addressed.If any changes
to income, provide updated Cash Flow analysis. Upon receipt and review of documents, income calculation review is required. 7.16.2026 Client provided 2023 1040 along with both borrowers w2's and 1040 Transcript (in lieu of signature) and w2
transcript for 2023, still missing updated DU for B2 working for XXX, this condition is being satisfied with receipt of 2023 1040s, transcripts and w2 transcripts (B2 working for XXX), separate condition on file regarding DU changes needed.
B2 monthly income of $XXX is supported.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months PITIA in reserves required.
|
|
409053240
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Condition added to go along with XXX condition (unable to update the XXX due to many updates on condition)
|
8.5.2026 Client provided updated DU #7 with requested changes and adding $XXX Dividends/Interest income for updated DTI
of XXX% (2024/2023 1040's support the dividends and most recent Edward Jones statement in file supporting continuance), also considering $XXX vs $XXX for B2 and considering $XXX other income (loss) in calculation of income, along with updated
1003/1008 with changes along with Lender LOX addressing different addresses that is reflected within file that was used by Borrowers and provided updated calculation of B1 income and calculation of dividends/interest income being used. In
addition 2023 1040 Transcripts and tax returns were provided along with 2023 w2 transcripts for both borrowers.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months PITIA in reserves required.
|
|
409053240
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Lender submitted B1 income to DU as XXX income from a single source. However, the final 1003, business tax returns and
W2s indicate income is from both primary XXX and secondary salaried W2 income. The W2 income is from a business of the same name as the primary XXX, but a different business address as is shown on the final 1003 and W2s. No documentation or
explanation was provided in the file clarifying borrower's XXX/secondary salaried employment situation from 2 businesses of the same name but 2 different business addresses. A corrected DU with B1 income submitted from the 2 sources of XXX
and secondary XXX employment will be required.
|
6.19.2026 Client provided an updated DU submission #4 and an LOX regarding B1 income being slightly changed however
initial condition was not addressed, condition remains for the following per initial condition: (a). B1 (1003 reflect two XXX w/same name but different address location) with review of B1 income it appears k1 income is being used from
address: XXX and w2 income is being used from other location: XXX (no business returns in file for 2nd employment location: XXX and w2 income for B1 and B2 is from this location) and per initial condition appears there are 2 separate
employment sources being used for B1 (k1 from one location and w2 from another location), requested updated DU to reflect the same for the correct income documentation that would be needed to be used for qualifying. Upon receipt and review of
updated DU (showing B1 having 2 separate sources of employment or XXX income, per DU #22 it says B1 working for XXX and two years tax returns required and 1003 for B1 (2nd employment) is marked with an X as working for XXX). with review of
these requested documentation, income appears to not be finalized due to input into DU is not correct. (B1 is XXX and appears to work for XXX for 2nd employment as LISTED on Final 1003 and B2 works for XXX, DU input is not reflecting this
type of scenario). Income still under review and it does appears additional income documentation is needed to support income used for qualifying. 7.2.2026 Client provided an updated 1003 for B1 (removing the 2nd XXX) however k1 and w2 reflect
two separate locations, not sure reason for removing the 2nd XXX due to k1 was from one location and w2 was from the other location, clarification is needed on removing 2nd XXX(are we also removing the income in file from this 2nd XXX, k1 and
w2 are from separate locations (as stated in initial condition) k1 income is from the 2nd XXX address of XXX (however not reflected on updated 1003), this condition remains, Lender to clarify B1 income that is being used for qualifying, file
is showing using the k1 from one location and the w2 from the other location. Income and DU changes are still under review. 7.16.2026 Client provided some documentation however prior update was not addressed, requested to clarify Final 1003
(in file) reflected two separate locations (in which triggered the initial condition) and an updated 1003 was provided removing the 2nd XXX location, however (a). w2 and k1 income are from each and separate location, lender did not address
and if one of same, provide documentation to reflect both locations are one of same and separate VVOE condition on file regarding business 1120S returns showing less than XXX(XXX) years however only one year (2024) is being used for
qualifying with 1003 and 1120S corporation dates not matching and (b) updated DU to reflect B2 working for XXX and (c), 1120S 2024 do not reflect any compensation of officer wages however 2024 w2 show $XXX(which appears to be from the other
location) due to k1 income is from XXX location and w2 is showing from XXX and this w2 income is not reflected on the 1120S 2024 in file, B1 income still under review. Note: possibly more DU changes for B1 XXX income due to date of
incorporate not matching (1003 says Year 2018 and 1120S says Year 2022 which would be less than XXX years) and appears DU input is year 2018 due to one year being used and w2 income of $XXX is from a different location, which was the
location listed on Final 1003 in file, however Lender have removed the 2nd location with updated 10037.28.2026 Client provided Lender LOX along with previously reviewed documents (updated 1003 removing 2nd employment for B1 along with
provided 2023 1040s) however prior update from XXX was not addressed.
|
Condition satisfied, also see XXX for update for this condition, exceeded characters for this condition.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX with current business since XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months PITIA in reserves required.
|
|
409053355
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing updated/resubmission DU reflecting the correct qualifying rate of XXX%, and including the correct proposed
monthly payments affecting DTI used to qualify; DU submission #1 dated XXX provided does not match subject loan terms.
|
6.16.2026 Client provided DU A/Ineligible submission #3 matching subject loan terms Note: #10 Both XXX Bank #XXX, #XXX
both appears to be $XXX and paid off, (however still reflected on 1003 REO of other property) small outstanding balance w/XXX was paid off on the new HELOC w/XXX #XXX)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at same employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409053355
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Appraised value of $XXX is supported by CDA with XXX% variance.
|
(No Data)
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at same employer.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409053378
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
D
|
B
|
D
|
B
|
CRDAST2354
|
Asset Verification In File is Incomplete Per Requirements
|
No
|
XXX # XXX RSU account used for both income and reserves.Per guidelines: 'Vested restricted stock units and stock
options cannot be used for reserves if using for income to qualify'
|
7/8 Client provided an exception to allow the file using the account for both income and reserves
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs, Low DTI
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053378
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINSR289
|
Insufficient Hazard Insurance Coverage
|
No
|
Loan amount: XXXHOI coverage: XXX dwelling x XXX = XXX, + XXX other structures = XXX.Provide proof of insurance with
adequate coverage amount. May be subject to additional conditions upon review.
|
7.10.2026 Client provided evidence of RCE and a copy of HOI policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053378
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Per appraisal, page 217 combined file: 'AS NOTED IN THE ATTACHED ADDENDUM, THE SUBJECT COMMUNITY IS WITHIN 1 MILE OF A
LOCALXXX THAT HAS OPERATING HOURS OF 9:00 AM TO 8:00 PM. NO NOISE FROM THE RANGE WAS NOTED AT THETIME OF INSPECTION. HOWEVER, THIS LOCATION IS NOTED AS NOISE CAN BE HEARD IF THE RANGE IS IN USE.'A. The addendum is missing; please provideB.
Marketability is not addressedC. No mention if any comps are in similar proximityD. No adjustment on grid for Shooting rangeAppraiser to address all of the above. May be subject to additional conditions upon review.
|
7/9 Client provided LOX from appraiser that this condition usually is required within 1000 feet and they don't have the
information available; On review condition remains for A. The addendum is missing; please provideB. Marketability is not addressedC. No mention if any comps are in similar proximityD. No adjustment on grid for XXXAppraiser to address all of
the above. May be subject to additional conditions upon review. 7.20.2026 Client provided updated appraisal with addressing initial condition
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years at current job
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053405
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing XXX x XXX x XXX mortgage payment history for REO at XXX; required by DU.
|
8.6.2026 Client provided credit supplement for XXX reflecting XXX x XXX x XXX vs XXX months (opened Year XXX), however
DU says in the last XXX months
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409053405
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
XXX% DTI exceeds the DU tolerance from XXX% due to missing evidence to verify exclusion of XXX XXX with $XXX balance
and $XXX/mo. payment and HOA pmt of $XXX/mo. for property at XXX as required by DU.
|
8.6.2026 Client provided evidence of monthly HOA of $XXX (XXX and XXX) and provided evidence XXX (XXX) not in borrowers
name, backed $XXX payment out of DTI for updated DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409053405
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
1. Missing evidence to verify PITIA for REO at XXX. 2. Missing evidence to verify either tax/insurance and HOA payments
on REOs at XXX and XXX or evidence those payments are escrowed into the mortgages.
|
8.6.2026 Client provided PITI documentation for XXX with other being verified as $XXX vs $XXX and provided evidence XXX
(not in borrower name and paid by other) and XXX verified same listed on REO. Difference of $XXX being added in DTI for XXX other amount.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409053435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
08/11/26 Client provided a duplicate copy of the ABD for the XXX. Condition remains. Provide the missing ABD for the
Lender, OR a signed attestation stating they do not have any Affiliates. 08/13/26 Client provided a signed LOE from Lender stating they maintain an affiliate business relationship with XXX, however an ABD will only be provided when XXX
provides settlement services. For this loan, they did not provide any settlement services and was not party to the transaction so an ABD was not required.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409053435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR117
|
ROR - Expiration date on form prior to end of rescission period
|
No
|
ROR forms are missing Expiration Date. Condition is pending re-opening ROR to all title holders, LOX and proof of
delivery with tracking information.
|
08/11/26 Client provided additional ROR forms, from Closing, that contain the XXX Expiration Date.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409053435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $ XXX due to increase is Discount Points on CD XXX. Missing a valid Change of Circumstance, or
Post Close CD, LOX and copy of refund check to borrower.
|
08/11/26 Client provided an Email from Seller stating the loan amount increased on XXX. The discount points were
disclosed on XXX. Condition remains. Provide a copy of the missing COC for the loan amount/points increase.08/13/26 Client provided 2 copies of an XXX PCCD, LOE to borrower and a $XXX transaction approval (pending). Condition remains. Provide
a copy of the $XXX refund check and the proof of delivery with tracking.08/14/26 Client provided an Email response from the Lender stating the check was requested, approved and printed on XXX and mailed the same day via XXX so tracking is not
available. Lender included a screenshot of the transaction record showing the approval and check details. Condition remains. Refunds over $XXX require delivery via method that can confirm receipt (tracking). If unavailable, provide
confirmation from the borrower that they received the $XXX check and PCCD.08/17/26 Client provided an Email accepting the screenshot from the Seller showing the check was printed and they have notified them going forward what is expected.
Reviewed by internal Compliance counsel and accepted on this loan with the Client email.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409053435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing Evidence of taxes for 2nd home XXX, in file HOA $XXX and hazard $XXX $XXX, Lender used $XXX
|
8.12.2026 Client provided evidence of taxes of $XXX and HOA $XXX and hazard $XXX for total $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409053435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Income/Employment
|
Waived
|
B
|
B
|
B
|
B
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Lender used other income of $XXX Asset Dissipation Underwriting (ADU), Lender to provide evidence of this income
|
8.12.2026 Client provided Lender asset depletion calculate asset worksheet which appears to be using liquid assets,
stocks, life insurance surrender value and annuity/surrender value. Condition remains, life insurance and annuity use of surrender value don't appear to be acceptable asset depletion income that can be used for qualifying. Asset depletion
income still under review. 8/13 Client changed program to XXX XXXy, Asset depletion recalculated using all reserves $XXX x XXX%/XXX=$XXX DTI updated Provide corrected 1003/1008 using the above calculation per XXX XXX GLs.8/14 Client provided
exception to allow file without updated 1003/1008.
|
Upon review by XXX XXX Condition is deemed Non Material; Client credit score exceeds GLs. Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409053435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Provide updated lock to XXX XXX
|
8/14 Client provided lock XXX XXX
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409053513
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM
review and render an accurate ATR/QM statusMissing evidence of hazard for XXX & XXX XXX
|
7/9 On review land only; no HOI required
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409053513
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence of hazard for XXX & XXX XXX
|
7/9 Client provided an Email; on review REOS are land only with no HOI
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409053526
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing complete income documentation for B1
|
7.15.2026 Client provided 2025/2024 1065 XXX business returns along with 2025/2024 1040 personal returns supporting
Final 1003 income used for qualifying and file having signed pgs of these business returns however missing pg 1 signed/dated for 2024 XXX. Condition remains for signed/dated pg 1 of 2024 XXX 7.31.2026 Client provided signed dated 1065 2024
for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX year
|
|
409053526
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Provide a verbal verification of XXX within 120 calendar days prior to the note date for B1.
|
7.15.2026 Client provided 3rd party SOS dated 6.3.2026 for four (4) XXX: XXX and XXX and XXXi and XXX and provided a
VVOE for Schedule F (XXX ) being verified with XXX. Condition remains, for acceptable 3rd party VVOE for Schedule F (XXX), this is Primary Source of income (from all income that is being used for qualifying). 7.29.2026 Client provided VVOE
(post close dated) w/CPA verifying XXX still active
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX year
|
|
409053526
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide complete 2024/2025 1040s with all Schedules (including Sch F) and 2024/2025 1065 Tax Returns with K1s for B1
busnesses for XXX; XXX; XXX;XXX. May require additional conditions upon review.
|
7.15.2026 Client provided 2025/2024 1065 XXX business returns along with 2025/2024 1040 personal returns supporting
Final 1003 income used for qualifying and file having signed pgs of these business returns however missing pg 1 signed/dated for 2024 XXX. Condition remains for signed/dated pg 1 of 2024 XXX 7.31.2026 Client provided signed dated 1065 2024
for XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX year
|
|
409053526
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Waived
|
C
|
B
|
C
|
B
|
CRDINC889
|
Income is Not Reasonable
|
No
|
Condition added with review of B1 XXX business income (5 different XXX)7.15.2026 Client provided 2025/2024 1065 XXX
business returns along with 2025/2024 1040 personal returns supporting Final 1003 income used for qualifying, however file have YTD May 27, 2026 Profit/Loss for each 1065 business that supports much less income than what is being used for
qualifying and file having an LOX from Borrower regarding YTD XXX being lower. YTD May 2026 P/L do not support monthly income being used for qualifying for four (4) XXX and loan file having DTI of XXX%
|
7.31.2026 Client provided LOX stating, the LOX applies to all 4 of the XXXas wells as the Schedule F since they are all
XXX businesses. Response, do not appear to be pertaining to Schedule F due to Schedule F YTD 2026 P/L is not declining and Schedule F is not listed in the letter, only the 4 XXX 1065 is listed in the Borrower LOX regarding declining.
Condition remains 8.6.2026 Client provided Lender rebuttal stating Schedule F isnt addressed on the letter because the P/Ls dont show declining income. Response, Agree prior updated was responding to the LOX that was provided stating Borrower
LOX applies to all 4 XXXas well as the Schedule F and DD Firm was stating Schedule F was not addressed on the Borrower LOX due to was not declining, agree. Condition remains due to LOX provided regarding declining of all 4 XXX, declining
income was not used for qualifying and DTI is XXX% without considering the 4 XXX declining income. 8.17.2026 Client provided exception approval to allow use of 2025/2024 1065 positive income for four (4) XXX with file having YTD 2026 P/L for
declining income for these four (4) XXX income (with LOX from Borrower), in which is all XXX extra additional income and file having YTD May 2026 P/L for Primary Source XXX income (Schedule F) with increasing (from prior years) as of YTD May
2026 and other YTD P/L's for the (four) 4 XXX were not required however was provided by Borrower and addressing the reason for lower YTD 2026, income used for qualifying is justified due to YTD XXX P/L Schedule F XXX income increasing.
|
Upon further review by Senior Underwriter, exception is deemed non-material, B Grade with compensating factors: Fico
score XXX, significant time at current residence XXX years, Borrower have over XXX years with XXX (XXX) of these XXX(XXX) XXX working simultaneously.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have resided at current residence for XXX year
|
|
409053533
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing Purchase Contract
|
No
|
The file is a Purchase Transaction and does not contain a copy of the Sales Contract.
|
7.13.2026 Client provided executed copy of subject Sales Contract supporting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrowers have been in their respective professions for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX = $XXXreserves required.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have been at their primary residence for XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
|
|
409053543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of missing credit and income docs
|
7.27.2026 Client provided all requested missing credit and income documents
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
|
|
409053543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Federal Consumer Protection
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPFDCP3206
|
NMLS License verification found Loan Originator Name does not match ID
|
No
|
1003 and Legal docs: Loan Originator Organization XXX XXX XXX , NMLSR ID: XXX NMLS Consumer Access:XXX is for XXX of
XXX XXX LLC
|
8.5.2026 Client provided updated 1003 correcting NMLS as: XXX vs XXX and provided executed XXX Affidavit with
re-recording of Deed of Trust with corrected NMLS #XXX ; and verified NMLS XXX belonging to current Lender.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
|
|
409053543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
|
|
409053543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Provide sufficient documentation supporting $XXX monthly property tax as reflected on 1008. Subject to DTI and
reserves recalc, and may be subject to additional conditions upon review.
|
XXX Client provided updated 1008/DU using taxes of XXX vs $XXX to support the calculation worksheet provided in file
(pg 914
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
|
|
409053543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide the following for the REO; subject to DTI and reserves recalc and may be subject to additional conditions upon
review. 1. Documentation supporting PI (mortgage statement, Note, etc)2. Documentation supporting frequency of HOA payment on page 519 combined file
|
XXX Client provided Mortgage stnt; Still missing HOA frequencyXXX Client provided a google search for XXX XXX XXX TX
HOA Dues stating is paid yearly on XXX XXX and evidence of receipt payment in file (pg 519) paid $XXX ($XXX) and verified w/XXX similar payment.Note: our DTI slightly more due to XXX taxes per data verify is much more
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
|
|
409053543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
Provide the following for Departing Residence REO / rented. Subject to income recalc and may be subject to additional
conditions upon review.'Lease Agreements, Form 1007, or Form 1025When current lease agreements (in file) or market rents reported on Form 1007 or Form 1025 are used, the lender must calculate the rental income by multiplying the gross monthly
rent(s) by XXX %. (This is referred to as "Monthly Market Rent" on the Form 1007.) The remaining XXX % of the gross rent will be absorbed by vacancy losses and ongoing maintenance expenses.When using a lease agreement, the lease agreement
amount must be supported byForm 1007 or Form 1025, as applicable, orevidence the terms of the lease have gone into effect. Evidence must include a minimum of:two months consecutive bank statements or electronic transfers of rental payments
for existing lease agreements, orcopies of the security deposit and first full month's rent check with proof of deposit for newly executed agreements. (Provide)'Also, the lease in file shows B1 and B2 as the Landlords, but B2 did not initial
the bottom of the pages; provide updated Lease.
|
XXX Client provided copy of XXX #XXX XXX XXX ,XXX statement verifying receipt of $XXX (security) from new tenant
(prior to closing) and bank print out verifying 1st month receipt of rent of $XXX on XXX XXX XXX (post closing); accepting copy of executed Lease being initialed by 1 of the landlord vs missing additional initial for other landlord,
however is signed by Both
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
|
|
409053543
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
1. Initial 1003's for both reflect XXX XXX XXXFinal 1003s for both reflect XXX.DU findings in file is asking for
verification both are legal residents of the United States. Provide updated findings re-run as XXX for both, based on Final 1003's. 2. Per Findings: 'Based on the loan application (B2) has disclosed a current secondary employment, but no
current primaryemployment. One employer must be designated as the borrower's current primary employer in order for the applicabledocumentation messages to be issued by DU. Update the loan application to designate a current primary employer
andresubmit the loan casefile to DU. (MSG ID XXX' May be subject to additional conditions upon review.
|
XXX Client provided XXX passports for each Borrower; Provide corrected DU 2. Per Findings: 'Based on the loan
application (B2) has disclosed a current secondary employment, but no current primaryemployment. One employer must be designated as the borrower's current primary employer in order for the applicabledocumentation messages to be issued by DU.
Update the loan application to designate a current primary employer andresubmit the loan casefile to DU. (MSG ID XXX )' May be subject to additional conditions upon review. XXX Client provided updated DU #2 with removing of 2ndary employment
info for B2 and with removing borrowers as being XXX XXX XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
|
|
409053556
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Active
|
D
|
D
|
D
|
D
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
Yes
|
Determine status upon review / receipt of missing PL's
|
8.20.2026 Client provided YTD June 15, 2026 P/L for XXX Productions (primary source) however don't appear to support
income that is being used for qualifying due to per CPA letter (pg 363) Borrower takes salary at year end in December so 2026 has not been paid for 2026 yet and (pg 638) is the YTD June 15, 2026 Balance Sheet for Primary income business.
Condition remains for documentation used for calculation of loss being used, appears to be from start date of this business 2025 to end of year 2025), previously provided YTD 6.30.2026 for XXX however still missing, 2025 P/L to support loss
being used for this business: XXX.
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053556
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
Provide cash flow analysis for XXX XXX Acct # XXX , for XXX - XXX . May be subject to additional conditions upon
review.
|
XXX Client provided duplicate (in file pg 539) XXX comments with assets comments regarding April and XXX XXX XXX
bank statements deposits and expenses, with no affect on business, along with LOX provided in Collaborate.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053556
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH124
|
Collections, Liens, etc. not paid as required by guidelines
|
No
|
Provide sufficient documentation that the following, located on XXX's fraud report, are paid in full. May be subject to
additional conditions upon review. 1. $XXX State Tax Lien, Case # XXX 2. $XXX State Tax Lien, Case # XXX3. $XXX State Tax Lien, Case # XXX
|
XXX Client provided copy of their Fraud Report with an IRS tax lien from XXX 1040 in the amount of $XXX and provided
subject HUD-1 showing this lien is being paid off with subject refinance (same as reflected on CD in file pg 323) however XXX Fraud Report reflect the three (3) state tax liens, as reflected in initial condition. Condition remains for
evidence these tax liens found on DD Firm fraud report are paid in full. XXX Client provided copy of State Tax Execution Information for each requested Case ID# which do state the same Original state tax amount with current payoff amount for
each is $0
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053556
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Credit
|
Income/Employment
|
Active
|
D
|
D
|
D
|
D
|
CRDINC2408
|
Income verification does not meet guidelines
|
Yes
|
Provide executed PLs for the following; subject to income recalcs and may be subject to additional conditions upon
review.1. XXX (through minimum first quarter) 1120s XXXXXX INC2.XXX (from business start date through end of the year) for XXX XXX XXX XXX to validate the income amount used on 1003.
|
XXX Client provided YTD XXX P/L for XXX XXX Farm reflecting $0 (and 1003 reflect loss of -$XXX ) and per initial
condition missing documentation to support the loss reflected on 1003 for XXX XXX XXX (this P/L do not support this loss) and no P/L provided for #1 (above) which is the Primary source positive income. Initial condition remains
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053556
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC2496
|
Verbal verification of employment completed outside the stated requirements and/or after closing/funding
|
No
|
Secretary of State Business printout for XXX XXX , Inc 1120s, does not have date it was printed.Provide Third Party VOE
meeting XXX guidelines. May be subject to additional conditions upon review.
|
7.30.2026 Client provided post close SOS for business: XXX XXX XXX (1120s)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409053853
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|||||||||||||||
|
409053866
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Trust documents are missing from the file
|
7.20.2026 Client provided executed Final CD (duplicate in file) however initial condition is for missing Trust
documents, condition remains XXX Client provided the executed trust documents
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|
409053876
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|||||||||||||||
|
409053881
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business
days prior to closing
|
No
|
Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Product not
disclosed at least three day prior to closing date of XXX
|
07/09/2026 Client provided Disclosure tracking reflecting CD XXX received by both and accepted consents dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is at XXX%, guideline max LTV is XXX%.
|
|
409053881
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof
of borrowers receipt of initial CD.
|
07/09/2026 Client provided Disclosure tracking reflecting CD XXX received by both and accepted consents dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is at XXX%, guideline max LTV is XXX%.
|
|
409053893
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing debt documentation
|
6.22.2026 Client provided copy of HOI invoice supporting monthly $XXX for property XXX and appears to be included in
the total other of $XXX for this property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX + $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409053893
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Borrowers XXX # XXX bank statement reflects recurring HOA monthly payments for $XXX to XXX. Borrower to document what
property are these dues associated with. May require additional conditions upon review.
|
6.22.2026 Client provided copy of HOI invoice supporting monthly $XXX for property XXX and appears to be included in
the total other of $XXXfor this property
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REOs: $XXX x XXX + $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
|
|
409053904
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX
|
|||||||||||||||
|
409053931
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Hazard Insurance Policy effective date XXX; disbursement date XXX.
|
6.18.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase
review.
|
6.18.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409053933
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX. COC dated XXX indicates fee was increased
due to rush as per XXX. Please provide documentation from XXX it was on borrower's request or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information
|
08/07/26 Client provided a XXXPCCD, refund check, LOE and shipping label. Tracking shows only the label has been
created. Condition remains for the proof of shipment.08/11/26 Client provided another copy of the XXX refund package. Re-tracking confirms the refund has been shipped.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months of 0x30 on current mortgage
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409053939
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3646
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised
LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
XXX percent tolerance in the amount of $XXX due to recording fee increased from $XXX to $XXX on cd's XXX.COC's in file
does not give a valid Explanation of Change, condition is pending receiving PCD reflecting lender's cure, LOE to borrower, a copy of refund and proof of delivery within 60 days of consummation.
|
06/30/26 Client provided a rebuttal from Seller with a screenshot of the XXX COC. Rebuttal states the COC is to cure
the Attorney review doc fee, which is $XXX. This falls under the new construction revision not requiring a refund. Condition remains. Provide further explanation of the XXX changes that would validate an increase to the Title Attorney Doc
Review Fee and Title Attorney Review Fee (both fees went from $XXX to $XXX and Lender is using the $XXX baseline for both fees). Subject to re-review.07/10/26 Client provided another rebuttal from Seller reflecting a New Construction
provision, regulation and page 3 of the LE showing the Construction Loan checked. Initial LE closing costs expired prior to the revised XXX LE change and closing did not take place until XXX. Remaining tolerance cured at Closing via Lender
Credit.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409053939
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Survey fee increased from $XXX LE XXX to $XXX on LE XXX (fee is $XXX on LE'S).
Condition pending receipt of a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.
|
06/30/26 Client provided a XXX PCCD with cure, $XXX check, LOE and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409053957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
|
|||||||||||||||
|
409053965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing verification of monthly HOA in the amount of $XXX.
|
8.7.2026 Client provided evidence of monthly HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409053965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Discount Points were added to CD XXX without a COC in file. Condition
pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
08/07/26 Client provided a missing XXX CD package, including a XXX Lock/change event.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409053965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification of monthly HOA in the amount of $XXX.
|
8.7.2026 Client provided evidence of monthly HOA
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409053965
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER3490
|
Missing Patriot Act form
|
No
|
Missing Patriot Act Form
|
8.7.2026 Client provided executed Patriot Act
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow 80%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409053987
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX years with current employer, B2 has XXX years.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
|
|
409054017
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH3000
|
# of Tradelines Does Not Meet Guideline Requirements
|
No
|
Less than XXX months open tradelines
|
6/16/26 Client approved exception for Tradelines
|
Upon further review by Senior Underwriter, exception is deemed non-material due to XXX% LTV and XXX% DTI. Final Grade
B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409054017
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
B
|
B
|
B
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Loan closed in a Blind Trust
|
6/16/26 - Client provided approved exception for Closing in a Blind Trust.
|
Upon further review by Senior Underwriter, exception is deemed non-material due to XXX% LTV and XXX% DTI. Final Grade
B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|
409054018
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID5107
|
TRID - Seller CD not in file; need in order to complete fee entry
|
No
|
Seller CD not in file; need in order to complete fee entry as none of fees paid by seller are present on final CD XXX
|
07/08/26 Client provided the Seller CD.
|
Condition Satisfied.
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409054051
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Initial CD XXX is not signed nor evidence found in file of borrower's receipt. Condition pending receiving evidence of
borrower's receipt min 3 days prior to closing date.
|
07/10/26 Client provided the Email confirmation of receipts for all parties on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409054053
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of 34.5 is below guideline max DTI of 49.99.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|||||||||||||||
|
409054070
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%
|
|||||||||||||||
|
409054079
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to either verify the HOA payment for REO 2nd Home at XXX or statement from borrower that the property
is not in an HOA; 3rd party search shows the property is in an HOA with payment.
|
7.23.2026 Client provided LOX email from HOA verifying monthly HOA of $XXX per month and appears this monthly HOA of
$XXX was not included in the other total of $XXX; XXX total PITI(A) is now $XXX vs $XXX for updated DTI of XXX% vs DU DTI XXX% PI $XXX + HOI $XXX+ HOI $XXX + taxes $XXX + HOA $XXX(in file) for total of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self-employed for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409054079
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2642
|
Missing proof that HELOC has been paid and closed to future draws
|
No
|
Missing evidence to verify XXX HELOC being paid off through this transaction has been closed to future draws; payoff
statement is not executed.
|
7.23.2026 Client provided signed by borrower requesting closure of XXX HELOC upon receipt of payoff
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self-employed for XXX years.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
|
|
409054082
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing an additional consecutive month statement for XXX *XXX. Two months statements required by client
guidelines. One month statement only was provided in the file.
|
7.15.2026 Client provided snippet of XXX which was pertaining to a separate condition on file. Initial condition
remains, nothing provided for this condition 7.21.2026 Client provided additional consecutive month (XXX) XXX statement for #XXX; file having XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409054082
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing documentation verifying monthly amount of HOA dues for the departing residence. Credit card receipt
and CC&RS provided in the file contain conflicting information. Documentation must identify the property address and clearly show the monthly, quarterly, semi-annual or annual amount. Used lender amount from final 1003 for
recalculations.
|
7.15.2026 Client provided screenshot of XXX for departure home however reflect having association fees but do not
reflect the amount and 1003/REO using $XXX and independently verified w/XXX of $XXX a month
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
|
|
409054107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX; Seller's CD in
file & able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409054107
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no COC in file to support it. COC
dated XXX indicates this increase on initial CD XXX however COC/ file is missing borrower's request for rush Appraisal. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of
refund and proof of delivery via shipping that includes tracking information.
|
07/01/26 Client provided an Email between the Lender and Borrower dated XXX validating the Appraisal increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has been with current employer since XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409054283
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409054283
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added Admin fee $XXX in C. section on LE XXX (fee is not related to title
fees) and added Home Warranty fee $XXX in C. section on final CD XXX with no valid COC in file. As no providers are listed on SPL, both fees are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD
reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
07/17/26 Client provided a XXX PCCD moving the Administrative Fee and Home Warranty Fee to Section H. Condition
remains. Provide the missing LOE.07/22/2026 Client provided duplicate of PCCD XXX and the LOE to Borrower.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409054288
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|||||||||||||||
|
409054289
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
XXX months business bank statement are required, only XXX months in file dated XXX XXX XXX
|
8.11.2026 Client provided additional XXX (XXX) months: XXX and XXX XXX XXX business bank statement #XXXand file having
XXX (most recent)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409054293
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely
disclosed; refund required within 60 days of consummation.
|
No
|
Recording fee increase from initial CD XXX $XXX to final CD XXX $XXX. Exceeds allowable XXX% variation or $XXX. COC
issued XXX does not list fee increase or any details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with increase validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of
Delivery.
|
07/22/26 Client provided a XXX PCCD with cure, LOE, refund check and proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualfiying score exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409054293
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3966
|
TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of
You declined it and/or Your lender does not offer one are selected
|
No
|
No designation selected for if borrower "Declined" escrow account or if "Lender does not offer one" in loan
disclosures section of the final CD.
|
07/22/26 Client provided a corrected XXX PCCD, LOE and proof of delivery.
|
Condition Satisfied.
|
Non-Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualfiying score exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409054315
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Field Review was added to CD XXX without a valid COC in file.
Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
08/06/26 Client provided an XXX PCCD, LOE and $XXX check. Condition remains for the proof of delivery (requires
tracking).08/12/2026 Client provided XXX delivered shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
409054315
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Property Valuations
|
Appraisal
|
Waived
|
C
|
B
|
C
|
B
|
PRVAAPPR119
|
Appraisal documentation does not support occupancy
|
No
|
Subject is vacant due to new construction/subject to appraisal with 1004D reflecting that interior is XXX% complete but
with some exterior exceptions. Affidavit of Occupancy provided for borrower to occupy within 60 Days of Note with exception request approval condition for items on completion cert to be completed within XXX days of note date XXX.
|
8/13 Client provided an exception allowing file to close without final 104D showing all complete
|
Upon review by XXX SR UW; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
409054315
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Property Valuations
|
Appraisal
|
Waived
|
D
|
B
|
D
|
B
|
PRVAAPPR275
|
Completed "Subject To" w/o Completion Cert in File
|
No
|
Appraisal was completed subject to completion, The completion cert in file shows the work has not yet been completed as
of XXX Escrow Holdback for $XXX ($XXX*XXX%) reflected on Final CD XXX is not allowed. Subject Appraisal completed 'subject to' and 1004D showing the following items not completed due to weather delays: concrete driveway ($XXX), sidewalk/front
steps ($XXX) and deck stairs ($XXX). Holdback must be disbursed and a certificate of completion be issued prior to purchase by XXX.
|
8.3.26- Client provided an approved exception request on XXX for escrow holdback. 8.6.2026 Client provided copy of a CD
and copy of executed Escrow Holdback agreement however still missing 1004D (completion of escrowed items) and evidence of funds being disbursed and agreement not executed by Seller/Contractor. Condition remains 8/13 Client provided an
approved exception to allow the file without 1004D fianl and escrow not released
|
8.2.26- Upon further review, SR XXX UW cannot deem the request valid until all conditions have been met. Still require
evidence of Escrow Holdback Agreement signed at close, evidence of release of holdback and updated 1004D showing items have been completed within XXX Days of note XXX.8/13 Upon review by XXX SR UW; Condition is deemed Non Material; Client
credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
|
|
409054323
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409054335
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified Reserves > Program Requirement of $XXX(Subject PITI $XXX x XXX + OREO PITI $XXX x XXX ).
|
|
409054335
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
File is missing XXX XXX bank statement for account #XXX for a complete 2 month history.
|
7.10.2026 Client provided copy of XXX #XXX XXX statement
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified Reserves > Program Requirement of $XXX(Subject PITI $XXX x XXX + OREO PITI $XXX x XXX ).
|
|
409054335
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Per file notes Lender removed RSU income from final qualification provide Final 1003/1008 Matching DU #6
|
7.10.2026 Client provided updated 1003/1008 with removing RSU income for an updated DTI of 49.62% in which is also
matching DU #6 submission in file.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified Reserves > Program Requirement of $XXX(Subject PITI $XXX x XXX + OREO PITI $XXX x XXX ).
|
|
409054534
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409054545
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower has XXX years XXX months at current job.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|||||||||||||||
|
409054550
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM
review and render an accurate ATR/QM status.Per Letter from Borrower in file on XXX they borrowed $XXX for XXX . Provide documentation that this debt has been paid in full or provide monthly paymentProvide XXX months VOR for borrowers
primary residence at XXX XXX for $XXX /month
|
XXX Client provided Lender QM Safe harbor status however condition remains for other outstanding credit conditions on
file.XXX Client provided appears to be duplicate documentation in file however, LOX in file (pg XXX) from Borrower stated borrowed $XXX from XXX on XXX XXX to purchase subject (in which appeared to have been borrowed to put down the XXX
deposit of $XXX and subject sales contract signed XXX XXX ), and Borrower LOX further stated with be paid back XXX XXX once closed on subject property. Condition remains for all documentation pertaining the borrowed loan with XXX and
evidence having been paid back to not include a monthly payment, also missing terms of the XXX that was borrowed. Upon receipt and review, additional conditions may apply. XXX Client provided Lender updated XXX/XXX adding monthly interest
payment of $XXX into DTI for new debt w/XXX and provided copy of invoice statement supporting interest payment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI.
|
|
409054550
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI.
|
|
409054550
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH123
|
No evidence of required debt payoff
|
No
|
Per Letter from Borrower in file on XXX they borrowed $XXX for XXX. Provide documentation that this debt has been
paid in full or provide monthly payment
|
XXX Client provided appears to be duplicate documentation in file however, LOX in file (pg XXX) from Borrower stated
borrowed $XXX from XXX XXX on XXX XXX to purchase subject (in which appeared to have been borrowed to put down the EMD deposit of $XXX on subject and subject sales contract signed XXX XXX ; no EMD credit given), and Borrower LOX further
stated with being paid back XXX XXX once closed on subject property. Condition remains for all documentation pertaining the borrowed loan with XXX Bank and evidence having been paid back to not include a monthly payment, also missing terms
of the XXX XXX that was borrowed. Upon receipt and review, additional conditions may apply. XXX Client provided Lender updated 1003/1008 adding monthly interest payment of $XXX into DTI for new debt w/XXX XXX and provided copy of invoice
statement supporting interest payment however Letter C (declarations) should reflect as Yes for Borrowing money for this transaction, XXX (new debt) was borrowed in amount of $XXX(as stated per Borrower LOX, borrowed to purchase subject, in
which appears to have been for the EMD). Condition remains for updated 1003 declarations (letter C) yes with information. XXX Client provided updated 1003 with declarations C showing as Yes and added new debt w/XXX XXX in liabilities and
using monthly payment of $XXX in DTI for this new debt
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI.
|
|
409054550
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Provide XXX months VOR for borrowers primary residence at XXX XXX for $XXX /month
|
8.6.2026 Client provided DU AUS A/Ineligible submission #4 however per DU #XXX verification of rental housing payment
history is required for the most recent XXX (XXX) months. Condition remains for current rental housing payment history (subject is a 2nd home) 8.1.2026 Client provided VOR (current rental housing history) from XXX XXX - current
satisfactory payment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI.
|
|
409054550
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Loan closed as XXX AUS. Provide AUS used to underwrite loan1008 in file shows Manual Underwriting under Risk
Assessment. Provide corrected 1008 showing AUS.Additional conditions may apply
|
XXX Client provided lender updated 1008 as DU Risk Assessment however also per initial condition, missing the DU AUS
used per the 1008. Condition remains for AUS XXX Client provided DU AUS A/Ineligible submission #4 however per DU #XXX verification of rental housing payment history is required for the most recent XXX (XXX) months. Condition remains for
current rental housing payment history (subject is a 2nd home) 8.1.2026 Client provided VOR (current rental housing history) from XXX XXX - current satisfactory payment
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI.
|
|
409054556
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|||||||||||||||
|
409054569
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|||||||||||||||
|
409054578
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX.
|
|||||||||||||||
|
409054599
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX, guideline minimum credit score XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is at XXX%, guideline max LTV XXX%.
|
|||||||||||||||
|
409054608
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guideline requirement of $XXX for subject PITI $XXX x XXX + REOs: $XXX x XXX + $XXX x XXX.
CFCFS2854: Significant time in profession
- XXX Comments: B1 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409054610
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITI $XXX +OREO PITI $XXX X XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|||||||||||||||
|
409054613
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS used to decision loan-Fannie mae case #XXX reflected on 1008.
|
XXX Client provided lender updated 1008 reflecting Risk assessment of manual underwritten vs AUS underwritten.
Condition remains for copy of lock confirmation reflecting as XXX 30 YR, file was reviewed to XXX AUS. File to be re-reviewed to XXX 30 YR with updated lock verifying program. XXX Client provided Lender LOX stating, loan program have been
updated. Response, condition remains for XXX updated lock confirmation on new program for re-review. XXX Client provided lock as XXX 30Y
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409054625
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
File is missing 2025 and 2024 K1's (and business tax returns if ownership is > XXX%) for Borrower 1 (XXX and XXX)
and for Borrower 2 (XXX).
|
7.16.2026 Client provided 2025/2024 1120S business returns, k1's and signed dated: XXX for both borrowers support loss
considered in qualifying and provided 2025/2024 k1 for B1 current employment, 2025/2024 1040's in file with filing of Schedule E k1 income (less than XXX% ownership w/current employment) and file having YTD 2026 paystub, Base income used for
B1 is supported, in addition file having end of year 2025/2024 paystubs
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409054625
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
File is missing 2025 and 2024 K1's (and business tax returns if ownership is > XXX%) for Borrower 1 (XXX and XXX)
and for Borrower 2 (XXX).
|
7.16.2026 Client provided 2025/2024 1120S business returns, k1's and signed dated: XXX for both borrowers support loss
considered in qualifying and provided 2025/2024 k1 for B1 current employment, 2025/2024 1040's in file with filing of Schedule E k1 income (less than XXX% ownership w/current employment) and file having YTD 2026 paystub, Base income used for
B1 is supported, in addition file having end of year 2025/2024 paystubs
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409054670
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409054670
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2550
|
Missing HUD-1 from sale of property
|
No
|
Missing closing disclosure for sale of current residence XXX with approximate proceeds of $XXX.
|
7.14.2026 Client provided executed HUD-1 from sale of departure home closed simultaneously with subject property with
payoff of existing lien and Borrower netting $XXX however appears Borrower gets half, separate agreement in file.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409054670
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Missing AUS findings per guide lines.
|
7.14.2026 Client provided Lender DU AUS submission #4Note: Lender 1008 states manual underwritten
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409054674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing
|
07/13/26 Client provided an approved exception for the missing Affiliate Business Disclosure.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
409054674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
409054674
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting appraisal value of $XXX due to CU Score 4, which is over 2.5.
|
7.15.2026 Client provided 2nd full appraisal w/value of $XXX and other appraisal value $XXX; lowest of two appraisals
was used for LTV calculation. 2 full appraisals were required for this transaction
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% is below guideline max XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline minimum XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX.
|
|
409054708
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|||||||||||||||
|
409055108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business
days prior to closing
|
No
|
Unable to test a loan product due missing initial CD in file.
|
07/15/2026 Client provided the missing Initial CD XXX e-signed XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409055108
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD Dated XXX acknowledged by the borrower min 3 days prior to closing on
XXX
|
07/15/2026 Client provided the missing Initial CD XXX, e-signed XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409055109
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX .
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX mo. XXX mortgage payment history; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX effective/reserves; $XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been XXX for XXX years.
|
|||||||||||||||
|
409055114
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; XXX% max allowed.
|
|||||||||||||||
|
409055117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Appraisal fee $XXX, Rush Fee $XXX& Verification Fee $XXX was added to final LE XXX section B. COC issued XXX does
not list amount of fee increases or give sufficient details as to why fees were added. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC with fees validated or Post CD reflecting lenders cure, LOX,
Total Refund of $XXX w/ Proof of Delivery.
|
07/21/26 Client provided an Email response from the Seller stating the loan program changed and that should cover the
explanation for the additional fees. Condition remains. Provide documentation from the time of change that would support the Initial LE missing any valuation fee estimate vs the revised LE adding a $XXX Appraisal fee, $XXX Rush Fee & $XXX
Income Tax Verification Fee. In addition, any Rush charge must be supported by proof of the borrower making the Rush request. Subject to re-review.07/24/2026 Client provide an LOE stating: the loan was initially a Conv Loan with a waiver.
Change occurred and became ineligible and a rush fee was added to meet the contract deadline with the change and a copy of the waiver. The waiver is dated XXX along with the initial disclosures. Retesting results in a tolerance of $XXX.
Condition remains. Provide evidence via email or other documentation reflecting the Borrower request for the rush of the appraisal and the fee required. 07/30/26 Client provided a screenshot of the appraisal log dated XXX reflecting an
explanation for the rush charge. Reviewed and accepted by internal Compliance counsel.
|
Condition Satisfied. Manual Compliance Review.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|
409055117
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Borrower is purchasing a primary residence condo in XXX with commercial space of XXX%. Seeking exception for loan
amount on fixed rate <$XXX
|
RWT Exception Approved XXX to allow Borrower purchase of a primary residence condo in XXX with commercial space of
XXX%. Seeking exception for loan amount on fixed rate <$XXX
|
XXX initial & final grade of B
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|
409055148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing documentation to complete ATR/QM review. Missing verification XXX XXX XXX mortgage payment of $XXX has an
escrow account for taxes and insurance.
|
8/14 Client provided mtg statement with escrows
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: CLTV XXX %
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been with current employer for XXX years.
|
|
409055148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: CLTV XXX %
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been with current employer for XXX years.
|
|
409055148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDCRMH1805
|
Debts/obligations not disclosed/accounted for at origination
|
No
|
Missing verification XXX XXX XXX mortgage payment of XXX has an escrow account for taxes and insurance.
|
XXX Client provided mtg statement supporting $XXX with escrow
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: CLTV XXX %
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been with current employer for XXX years.
|
|
409055148
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
Appraisal reflects $XXX HOA and not a PUD.Per docs in file: title, 1008, Pud Rider, DU findings, ASSOCIATION
QUESTIONNAIRE reflecting Association Dues - all appear to reflect PUD.Appraiser to address / correct discrepancy - may be subject to additional conditions upon review.
|
8/14 Client provided a corrected appraisal adding PUD and HOA dues
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: CLTV XXX %
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been with current employer for XXX years.
|
|
409055152
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
1) Missing evidence to either verify the PITIA payments (including statement from borrower that the property is not in
an HOA if applicable), or evidence the T/I is escrowed into the mortgage payments for the following properties; XXX and XXX.2) File is missing documentation to support a minimum of XXX% equity in the departure residence, located at XXX. (AVM,
BPO, or 2055) AND form 1007 verifying market rent of $XXX.
|
7.31.2026 Client provided copy of mortgage statement for both requested properties supporting payment include escrows
and LOX from borrower having no monthly HOA on either property. Verified amount same as listed on REO of 1003 7.31.2026 Client provided exterior 2055 appraisal for departure home dated XXX with value of $XXX and outstanding lien of $XXX (XXX%
equity met) and provided Comparable Rent supporting $XXX; condition remains exterior appraisal is signed by appraiser however comparable rent is not signed by appraiser. Missing executed by appraiser comparable rent for departure home
reflecting $XXX and was not completed by same appraiser that completed the exterior appraisal. 8.7.2026 Client provided executed Comparable Rent Schedule 1007 supporting $XXXk a month for departure (Market Rent)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITIA $XXX x XXX + Departure Residence $XXX x XXX + OREO PITI $XXX x XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409055152
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Missing Buydown agreement.
|
07/31/2026 Client provided the missing Buydown Agreement.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITIA $XXX x XXX + Departure Residence $XXX x XXX + OREO PITI $XXX x XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409055152
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Assets
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDAST206
|
Asset Amounts Are Unsupported by Documentation in File
|
No
|
File is missing terms of withdrawal to support use of XXX 401k assets.
|
7.31.2026 Client provided copy of 401k statement from current employment and prior employment with prior employment
401k being rolled over to current employer 401k and currently having a loan on 401k statement
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITIA $XXX x XXX + Departure Residence $XXX x XXX + OREO PITI $XXX x XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409055152
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing evidence to either verify the PITIA payments (including statement from borrower that the property is not in an
HOA if applicable), or evidence the T/I is escrowed into the mortgage payments for the following properties; XXX and XXX.
|
7.31.2026 Client provided copy of mortgage statement for both requested properties supporting payment include escrows
and LOX from borrower having no monthly HOA on either property. Verified amount same as listed on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITIA $XXX x XXX + Departure Residence $XXX x XXX + OREO PITI $XXX x XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409055152
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC150
|
Income docs do not meet guidelines
|
No
|
File is missing documentation to support a minimum of XXX% equity in the departure residence, located at XXX. (AVM,
BPO, or 2055) AND form 1007 verifying market rent of $XXX.
|
7.31.2026 Client provided exterior 2055 appraisal for departure home dated XXX with value of $XXX and outstanding lien
of $XXX (20% equity met) and provided Comparable Rent supporting $XXX; condition remains exterior appraisal is signed by appraiser however comparable rent is not signed by appraiser. Missing executed by appraiser comparable rent for departure
home reflecting $XXX and was not completed by same appraiser that completed the exterior appraisal. 8.7.2026 Client provided executed Comparable Rent Schedule 1007 supporting $XXX a month for departure (Market Rent)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX Verified reserves > program requirement of $XXX (Subject PITIA $XXX x XXX + Departure Residence $XXX x XXX + OREO PITI $XXX x XXX).
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409055155
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was
not timely disclosed; insufficient credit or refund provided
|
No
|
XXX% tolerance in the amount of $XXX due to decreased Lender's Credit on a revised CD XXX and final CD XXX with no
valid reasons documented on COC XXX and COC XXX Lender's credit for tolerance cure was applied towards increased Appraisal and Credit Report fee. Condition is pending receiving a valid Change of Circumstances with information as to why fee
decreased or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
07/22/26 Client provided 2 additional COCs issued XXX and XXX reflecting the pricing adjustments needed for the change
in income causing DTI increases.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX/XXX months PITIA > min required of $XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409055181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing income documentation; either pay stub or employment agreement to validate monthly.
|
7.22.2026 Client provided executed copy of XXX contract (XXX4 year contract) XXX - XXX with compensation broken out of
$XXX 1st year (which is being qualified with $XXX) and each additional year is more and previously was in XXX, in addition file have copy of YTD 2026 paystub which was for signing bonus of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409055181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing housing payment history to meet the required 0x30xXXX guideline.
|
7.22.2026 Client provided satisfactory VOR housing rental payment history from XXX - XXX
|
condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409055181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
C
|
B
|
C
|
B
|
CRDCRMH150
|
Tradelines do not meet guidelines
|
No
|
Tradelines do not meet guidelines: credit report reflects total of 5 tradelines with only 2 rated for over XXX months
when guidelines require 3; XXX exception request approved on XXX stipulated conditions for approval thatall other XXX guidelines must be met. XXX UW finds additional guidelineviolations due to not providing complete income documentation and
thereforecannot validate the exception approval.
|
7/24 All condition clear exception applied
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409055181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC2302
|
Missing Required Income Documentation
|
No
|
Missing current pay stub or employment agreement to validate monthly income. Pay stub provided only reflects signing
bonus.
|
7.22.2026 Client provided executed copy of XXX contract (XXX year contract) XXX- XXX with compensation broken out of
$XXX 1st year (which is being qualified with $XXX) and each additional year is more and previously was in XXX, in addition file have copy of YTD 2026 paystub which was for signing bonus of $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409055181
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Credit
|
Title
|
Waived
|
C
|
B
|
C
|
B
|
CRDTIL100
|
Potential title issue
|
No
|
Loan closing in trust (privacy); borrower is not the trustor of the trust. XXX exception request approved on XXX
stipulated conditionsfor approval that all other XXX guidelines must be met. XXX UW finds additionalguideline violations due to not providing complete income documentation andtherefore cannot validate the exception approval.
|
7/24 All conditions cleared exception applied
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409055182
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Affiliate Business Disclosure / FACTS sheet missing.
|
07/14/2026 Client provided a signed attestation stating Lender does not have any affiliated business arrangements
relate to their Mortgage Loans.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409055195
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; XXX % max allowed.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX ; total reserves required $XXX
|
|
409055197
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV; XXX% max allowed.
|
|
409055206
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to increase Condo Questionnaire fee from $XXX on initial LE XXX to $XXX on LE
XXX with no valid reasons documented on COC XXX Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
07/29/2026 Client provided PCCD XXX with cure, Copy of cure check, LOE and delivered XXX tracking, however the tracking
provided reflects package delivered in XXX NC. Condition remains. Provide further information for the delivery to a difference City and State from listed on Disclosures, 1003 & 1008, or the correct tracking for delivery for re-review.
08/03/2026 Client provided tracking reflecting delivered to San Francisco address.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit 808 Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX
CFCFS2860: Good credit history
- XXX Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months
|
|
409055207
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX = $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
|
|
409055303
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX required reserves are $XXX .
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV oF XXX % is below guideline max LTV of XXX %.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has been XXX XXX for XXX years, B2 has XXX years with current employer.
|
|||||||||||||||
|
409055326
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history 0x30.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX years with same employer.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409055328
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum requirement of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum requirement of XXX
|
|||||||||||||||
|
409055329
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide lines maximum of XXX%.
|
|||||||||||||||
|
409055334
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
The file does not contain a copy of the Affiliated Business Disclosure.
|
08/03/26 Client provided an approved exception for the missing Affiliate Business Disclosure.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower XXX has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX for subjectand XXX months for one financed REO: XXX x XXX = XXX= XXX
total reserves required )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409055334
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower XXX has XXX Years in Current Profession
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX for subjectand XXX months for one financed REO: XXX x XXX = XXX= XXX
total reserves required )
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|
409055355
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
409055357
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409055364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409055364
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing the tax certs for the following properties; XXX XXX XXX #XXX and XXX XXX XXX XXX
|
7.29.2026 Client provided copy of taxes for requested property supporting amount used for qualifying (as reflected on
REO of 1003)
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409055378
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX + REO $XXX * XXX= $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
|
|||||||||||||||
|
409055379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero percent tolerance of $XXX due to appraisal fee increased on LE XXX with no valid COC in file. Condition is pending
receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
07/30/2026 Client provided PCCD XXX with 2nd appraisal fee removed, Copy of cure check, LOE and label created status.
Condition remains for delivery.08/07/26 Client provided the proof of delivery.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX x XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409055379
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing CDA. CU Score in file 3.5, guideline requires 2.5 and below.
|
7.31.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX x XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409055381
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Condition Satisfied. Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX; total reserves required $XXX.
|
|
409055392
|
XXXXXX
|
XXXXXX
|
QM: Rebuttable Presumption (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX/XXX% LTV < program maximum of XXX%.
|
|||||||||||||||
|
409055410
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX /XXX months PITIA > min required of $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXX x XXX.
|
|||||||||||||||
|
409055705
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
|
|||||||||||||||
|
409055714
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI; max XXX%.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX%
|
|||||||||||||||
|
409055737
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL988
|
Loan File is Missing or Contains Insufficient Documentation for Basic Review
|
No
|
Provide a copy of the executed CD for borrower's purchase of XXX to verify final housing expense. Loan Estimate in the
file dated XXX May require additional conditions upon review.
|
6.29.2026 Client provided executed Final CD from new purchased property:XXX supporting PITI(A) amount used for
qualifying and sufficient assets verified for this transaction closing
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: B2 have been in the same line of work for XXX years
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
|
|
409055738
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX.
|
|
409055753
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Homeowners counseling organizations Document is Missing.
|
07/20/2026 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX XXX + years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
409055753
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide final AUS findings matching loan terms present in the file. Additional conditions may apply.
|
7.21.2026 Client provided Lender 1008 stating manual and stating Approve/Eligible, per initial condition missing final
AUS matching loan terms, file was reviewed to XXX AUS, no AUS was in file. Condition remains for AUS approval used for subject loan. 7.24.2026 Client provided Lender 1008 only stating as being manual underwritten however file was submitted as
XXX AUS and if not using AUS will need updated lock for re-review of file to correct program. Condition remains for updated lock if no AUS is being used. 7.28.2026 Client provided DU submission #2 however previously provided a 1008 stating as
manual underwritten, condition remains for updated 1008 as AUS DU A/Ineligible underwritten 7.31.2026 Client provided updated 1008 Risk Assessment as AUS DU A/Ineligible
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX XXX + years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
409055753
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
Missing updated valuation supporting appraised value of $XXX CU Score in file 4.3, guideline requires 2.5 and below.
|
7.21.2026 Client provided 1004D completion report however missing 3rd party valuation supporting value. Condition
remains Note: LCA and CU Score are both over 4.3 (not within 2.5 or less). 7.24.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX XXX + years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|
409055762
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM
review and render an accurate ATR/QM status.Provide calculation of $XXX /month (per 1003) for escrows on XXX. Verified $XXX/month HOI, $XXX/month HOA and $XXX/month on Taxes (total $XXX/month)
|
7.21.2026 Client provided updated 1003/1008 with reflecting escrowed amount of $XXX for XXX property vs $XXX however
left as is due to Mtg statement (pg 320) reflect a hazard insurance pmt of $XXX paid on XXX for this property, this appears to be the difference for total of $XXX escrow for XXX. no changes made.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409055762
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409055762
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide calculation of $XXX/month (per 1003) for escrows on XXX Verified $XXX/month HOI, $XXX/month HOA and $XXX/month
on Taxes (total $XXX/month)
|
7.21.2026 Client provided updated 1003/1008 with reflecting escrowed amount of $XXX for XXX. property vs $XXXhowever
left as is due to Mtg statement (pg 320) reflect a hazard insurance pmt of $XXX paid onXXX for this property, this appears to be the difference for total of $XXX escrow for XXX no changes made.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co borrower at current employment XXX years
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409055763
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM
review and render an accurate ATR/QM status.Missing verification of PITI for borrower's 2 other properties.
|
7.22.2026 Client provided mtg statement and HOA verifying XXX PITI(A) payment as reflected on REO of 1003 and provided
mtg statement supporting PITI(A) for XXX with LOX stating no HOA and provided HELOC terms for 2nd lien w/XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409055763
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409055763
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Missing verification of PITI for borrower's 2 other properties. XXX and XXX
|
7.22.2026 Client provided mtg statement and HOA verifying XXX PITI(A) payment as reflected on REO of 1003 and provided
mtg statement supporting PITI(A) for XXX with LOX stating no HOA and provided HELOC terms for 2nd lien w/XXX however did not provide documentation supporting monthly payment of $XXX used for qualifying for XXX (property).7/23 Client provided
HELOC pmt calculation of $XXX is using max draw of $XXX at XXX% rate.
|
satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409055765
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC191
|
Missing Mortgage
|
No
|
Condition pending receiving a copy executed of Deed of trust with all Riders, if applicable.
|
XXX Client provided a copy of the Loan Security Agreement. Condition remains for the Mortgage/Deed of Trust
reflecting Vesting, property legal description and any Riders attached.XXX Client provided the Loan Security Agreement and the following Seller comment: Please see attached complete Co-op package. The security agreement acts like a mortgage
for co-ops.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below the maximum allowed DTI of XXX %.
|
|
409055765
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
XXX % tolerance in the amount of $XXX due to added CDA fee on LE XXX with no valid reasons documented on COC XXX
Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
XXX Client provided the XXX UCDP Report and the following Seller comment: COC for 5.8 was provided confirming CDA was
added. See attached SSRs (which should have already been provided) confirming no CU score and per guidelines a CDA is required if no score.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below the maximum allowed DTI of XXX %.
|
|
409055773
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX Mo. REO $XXX =$XXX reserves required.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409055800
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX x XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years with same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409055800
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero Tolerance in the amount of $XXX due to Appraisal Fee increased by $XXX on initial CD XXX with no COC in file to
support it. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
07/29/2026 Client provided PCCD XXX with cure, copy of cure check, LOE and in Transit Shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX-months housing payment history XXX x XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years with same employer.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > reserve requirement $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409055824
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score XXX, guideline minimum credit score is XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
|
|
409055825
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
: Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD.
|
(No Data)
|
Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees.
Charges were included in the fee testing with no violation.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves $XXX. Verified $XXX Subject: $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX XXX x XXX= XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months 0x30 on current mortgage
|
|
409055825
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC888
|
Income Amount is Unsupported by Documentation in File
|
No
|
Provide stock price for XXX
|
6.24.2026 Client provided historical stock price for XXX/B1 employment supporting RSU income used for qualifying (pg
480) Lender worksheet with calculation and stock price used is much less than current stock price. RSU income used for qualifying is supported.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves $XXX. Verified $XXX Subject: $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX XXX x XXX= XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months 0x30 on current mortgage
|
|
409055825
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
C
|
B
|
C
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Effective date XXX; Original disbursement date XXX. Provide HOI Binder dated on or prior to XXX
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Required Reserves $XXX. Verified $XXX Subject: $XXX x XXX = $XXXXXX $XXX x XXX = $XXXXXX XXX x XXX= XXX
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months 0x30 on current mortgage
|
|
409055826
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Waived
|
C
|
B
|
C
|
B
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Payoff for 1st lien with XXX includes a Covid Deferral balance. Evidence of prior Covid deferrals with satisfactory
payment history documented in file, however, outstanding deferred balance is not allowed per program guidelines.
|
7/20 Client provided an approved exception to allow the file with the covid deffered balance
|
Upon review by XXX XXX; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409056120
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking Summary page XXX, tracking Details page XXX and COC XXX page XXX in file, a revised CD of XXX
was re-disclosed to borrowers. CD is missing in file please provide if applicable.
|
08/03/26 Client provided the XXX CD package.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409056120
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDINC2488
|
Verbal verification of employment missing
|
No
|
Missing verbal verification of employment for borrower within XXX business days of note.
|
8.3.2026 Client provided VVOE dated XXX (within XXX business days of Note
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409056167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: B2 has XXX years, XXX month at current job.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|||||||||||||||
|
409056169
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD. Missing title pick up fee $XXX.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|
409056173
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qualifying credit score of XXX exceeds guideline minimum score of XXX.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: B1 has XXX years with current employer, B2 has XXX years.
|
|||||||||||||||
|
409056175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409056177
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Desk Review as added to LE XXX without a valid COC in file.
Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
08/05/26 Client provided a seller email response indicating the COC was included and is their policy to collect for the
CDA on this type of loan. Per the COC on XXX borrower requested to change the loan type or program.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been XXX for XXX years.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, or XXX months PITI. Reserves not required per program guidelines.
|
|
409056191
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
B2 has declining income.Total pay per WVOE:XXX YTD: $XXXXXX : $XXXXXX: $XXXPer guidelines:'The employer
or the borrower (met) should provide an explanation for the decline, and the underwriter (provide) should provide a written justification for including the declining income in qualifying'May be subject to additional conditions upon review.
|
8.14.2026 Client provided Lender UW Summary worksheet regarding B2 income calculation and have declined XXX % from 24
to 25 and XXX % from 25 to YTD XXX due to borrower working reduced hrs since growing their family, in addition file have an LOX stating we welcomed a baby in October and have had since reduced working hours.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX for XXX months
|
|
409056191
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER4631
|
Loan parameters do not meet guidelines
|
No
|
Note date XXX ; App date XXX Per appraisal XXX appraisal:'Is the subject property currently offered for sale or has
it been offered for sale in the XXX months prior to the effective date of this appraisal? Yes.Report data source(s) used, offering price(s), and date(s). DOM 114;XXX; Subject is listed at XXX # XXX for a consideration of $XXX ' Per
guidelines: 'Properties Listed For Sale Properties currently listed for sale (at the time of application) are not eligible for refinance transactions' Page 714 combined file also reflects a signed processor cert stating: 'Date:XXX To whom it
may concern,Please be advised that the property is on the market, and the intention is to sell it.XXX XXX / Loan Processor'
|
8.14.2026 Client provided copy of MLS listing #XXX for subject The listing showing on the appraisal was the seller's
listing for the subject property (MLS history attached) from when the borrowers purchased it XXX . The processor cert in question is for the intent of the property at XXX XXX (the listing is attached). Response, regarding initial condition,
it does appear the info on the appraisal is related to prior Seller, borrower just acquired subject as of XXX XXX (reflect the same with other documents in file, credit report etc.) and MLS history provided reflect last listing history as of
XXX XXX which is when Borrowers acquired subject
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX for XXX months
|
|
409056196
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrower has XXX months XXX x XXX on current mortgage
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV
|
|||||||||||||||
|
409056197
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPROR2043
|
Cannot determine if funding date is after rescission period
|
No
|
Unable to determine if funding date is after rescission period due to ROR Form missing from the File, Please provide
executed ROR (H-8) Form.
|
07/30/26 Client provided the H-8 ROR form signed by all parties.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409056197
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR5345
|
ROR - Missing or Incomplete Right of Rescission form
|
No
|
ROR Form is Missing from the File, Please provide Executed (H-8) ROR Form because loan is Different lender refinance.
|
07/30/26 Client provided the H-8 ROR form signed by all parties.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409056197
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely
disclosed; refund required within 60 days of consummation.
|
No
|
Ten Percent tolerance in the amount of $XXX due to added Recording Fee Condition is pending receiving PCD reflecting
lenders cure, LOE to borrower, a copy of refund for $XXX and proof of delivery via shipping that includes tracking information.
|
07/30/26 Client provided duplicate copies of the XXX COC and LE. Condition remains. The XXX COC validates the first
increase in the Recording Fee, however this fee increased again on the XXX CD with an additional increase on the XXX CD. These 2 additional increases are not valid. Provide the missing COCs for review, OR provide borrower with a $XXX refund,
PCCD with cure, LOE and proof of delivery that includes tracking information.08/05/26 Client provided the XXX COC for the 2nd Trust added for closing/additional recording fee.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409056197
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Per 1008 in file loan closed as Manual Underwriting. Per lock loan closed as an AUS (DU in file). Provide 1008 with
corrected Risk Assessment.
|
7.29.2026 Client provided Lender updated corrected 1008 as DU AUS underwritten
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409056205
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Qual score XXX min score XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX ; required reserves $XXX
|
|||||||||||||||
|
409056254
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|||||||||||||||
|
409056269
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX .
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Borrowers XXX year end paystub ($XXX ) and YTD paystub ($XXX ) show additional RSU income that was not used to qualify.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX .
|
|
409056269
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to increase in Appraisal Fee from $XXX on Initial LE XXX to XXX on Final
LE XXX COC XXX in file refers to fee increased to meet the closing date. Per Appraisal fee invoice, Rush fee of $XXX was added. Condition is pending receiving documentation for borrower's request to rush the Appraisal or PCD reflecting
lenders cure, LOE to borrower, a copy of refund for $XXX and proof of delivery via shipping that includes tracking information
|
08/19/2026 Client provided an email chain reflecting the the Borrower discussed the rush appraisal with the Loan
Officer due to the loan having no Appraisal or loan contingency and needed to act quickly for the appraisal to be back in time for the inspection and reviewed b Internal Compliance.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX .
CFCFS1749: Additional documented income not used in qualifying
- XXX Comments: Borrowers XXX year end paystub ($XXX ) and YTD paystub ($XXX ) show additional RSU income that was not used to qualify.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX .
|
|
409056346
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Document Package Audit Report in file, initial disclosures, including LE XXX, were emailed to borrower but package
is missing in file.
|
07/15/2026 Client provided the Acknowledgement of receipt for LE XXX. Condition remains. Provide the LE dated
XXX.07/17/26 Client provided the missing XXX LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056346
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Pending copy of homeowners counseling organizations list provided to borrower.
|
07/15/2026 Client provided missing List of homeowners counseling organizations dated XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056346
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Pending copy of affiliated business disclosure provided to borrower.
|
07/15/2026 Client provided missing Affiliate Business Disclosure.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056346
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide missing DU Case ID XXX findings reflected on 1008. May be subject to additional conditions upon review.
|
7.15.2026 Client provided DU A/E submission #6
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% qualifying DTI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056351
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified 800 FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409056351
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
HOI effective date XXX. Disbursement date XXX. Obtain new insurance policy document
|
Client provided exception approval for Insurance Effective date is greater than the transaction date
|
XXXs final grade B
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified 800 FICO score. Minimum required XXX.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
|
|
409056361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3274
|
Mortgage/Deed in file is incomplete
|
No
|
Missing page 1 of Security Instrument
|
08/07/2026 Client provided the Fully executed, all pages of the Mortgage.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX x XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
08/11/26 Client provided a signed LOE from Lender stating they have no Affiliated Business arrangements.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX x XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original
Creditor
|
8/5/2026 Client provided an exception approval for using incorrect ROR form
|
8/5/2026 Initial and final grade 2/B
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX x XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
State Consumer Protection
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPSTCP2057
|
Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file
|
No
|
Missing Certificate of Compliance or Certificate of Exemption
|
07/12/2026 Client provided missing Illinois Anti Predatory Certificate of Exemption.
|
Condition Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX x XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056361
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
Credit
|
Title
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTIL875
|
Title Does Not Agree With Mortgage
|
No
|
Unable to test due to incomplete DOT
|
8/13 client provided the executed mortgage
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX x XXX for XXX months
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409056371
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file
& able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409056371
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
Lender did not provide an ATR/QM status determination.
|
7.28.2026 Client provided Lender QM Safe Harbor status determination
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below the maximum allowed DTI of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX.
|
|
409056436
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ( $ XXX X XXX = $ XXX)+ XXX Months for
Additional REO or ( $ XXX X XXX = $ XXX)
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
|
|||||||||||||||
|
409056439
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
File is missing satisfactory final AUS/LPA findings. *Note; FHLMC asset depletion guidelines were used
|
7.17.2026 Client provided LP approval submission #3 however 1008 reflect file as manual underwritten, condition remains
for updated 1008 as LP underwritten 7.22.2026 Client provided Lender 1008 with showing file being underwritten as LP
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: 801 fico > program minimum of XXX.
|
|
409056445
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file &
able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI < program maximum of XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
|
|
409056459
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Rebuttable Presumption (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Waived
|
C
|
B
|
C
|
B
|
CMPATRQM2900
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier
status than the Lender's status determination.
|
No
|
The test APR is XXX%, the benchmark APR is XXX% resulting in a difference of XXX%, max difference allowed is XXX%
|
7/8 Client provided an approved exception to allow the file with RP APOR
|
Upon review by XXX XXX Condition is deemed Non Material; Client credit score exceeds GLs, low DTI
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI XXX, guideline max DTI is XXX.
|
|
409056459
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Rebuttable Presumption (APOR)
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
D
|
A
|
D
|
A
|
PRVAAPPR3116
|
Missing updated valuation
|
No
|
File is missing 3rd party verification of value.
|
7.22.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Qualifying DTI XXX, guideline max DTI is XXX.
|
|
409056476
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX= $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years. Co-borrower has been in the same profession XXX years.
|
|
409056476
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
AUS missing.
|
7/21 Client provided DUAE
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX * XXX= $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years. Co-borrower has been in the same profession XXX years.
|
|
409056485
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409056485
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINSR3278
|
Hazard Insurance documentation in file is incomplete
|
No
|
Missing the borrowers HO6 policy document.
|
8.17.2026 Client provided subject HO6 policy
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409056488
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has stable employment with 10 years at current job.
|
|||||||||||||||
|
409056489
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years at current job.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|||||||||||||||
|
409056491
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per e-sign process summary, a Loan Estimate was issued on XXX which is missing from the file. Provide missing
disclosures along with corresponding COCs.
|
06/26/2026 Client provided the missing XXX LE with COC.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409056550
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|||||||||||||||
|
409056587
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Required Affiliate Business Disclosure missing from file.
|
07/24/2026 Client provided a Certified that Lender does not have a business relationship with any settlement service
provider or any 3rd party entities in the loan transaction.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409056587
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the CD
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
|
|
409056592
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: XXX+ years with same employer.
|
|||||||||||||||
|
409056612
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC869
|
Mortgage not signed
|
No
|
Executed Mortgage not provided. Mortgage not signed
|
07/20/2026 Client provided the recorded, missing Deed of Trust fully executed on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXXin verified assets is sufficient to cover required reserves $XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
|
|
409056612
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXXin verified assets is sufficient to cover required reserves $XXX.
CFCFS1736: Significant time at current residence
- XXX Comments: Borrowers have XXX years XXX months at current residence.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline XXX.
|
|
409056836
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Affiliate Business Disclosure missing from file, please provide.
|
08/07/26 Client provided an approved exception for the missing Affiliate Business Disclosure.
|
Initial and Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXXor XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX
|
|
409056841
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Active
|
C
|
C
|
C
|
C
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
Yes
|
XXX % tolerance in the amount of $XXX due to Appraisal fee increase on LE XXX with no valid reasons documented on
COCXXX . Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX -months housing payment history XXX .
|
|
409056842
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $XXX
|
|
409056842
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3646
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised
LE/CD was not timely disclosed; insufficient credit or refund provided
|
No
|
XXX % tolerance in the amount of $XXX due to Title Fees increased or were added without a valid COC in file. A Lender
Cure in the amount of $XXX was disclosed; however, an additional $XXX is required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including
shipping details and tracking information.
|
XXX Client provided an XXX PCCD with $XXX principal reduction, LOE/COC and Payment History reflecting the PR
deposit.
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower has XXX Years at Current Residence
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $ XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $XXX
|
|
409056846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTXHE320
|
TX Equity - Texas Equity : Missing T.42 Title Endorsement
|
No
|
Title Commitment in file doesn't indicate T.42 Endorsement and file is missing T-64 form with Endorsement breakdown.
Condition is pending receiving evidence endorsement was issued.
|
08/06/26 Client provided the fully executed TX Form T-64 reflecting the $XXX Title Endorsement charge on the Final CD
with the list of Endorsements, including T.42.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
|
|
409056846
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
Texas Home Equity
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPTXHE321
|
TX Equity - Texas Equity : Missing T.42.1 Title Endorsement
|
No
|
Title Commitment in file doesn't indicate T.42 Endorsement and file is missing T-64 form with Endorsement breakdown.
Condition is pending receiving evidence endorsement was issued.
|
08/06/26 Client provided the fully executed TX Form T-64 reflecting the $XXX Title Endorsement charge on the Final CD
with the list of Endorsements, including T.42.1.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%.
|
|
409056880
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%
CFCFS1742: Consumer credit history exceeds guidelines
- XXX Comments: Borrowers have XXX months payment history XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409056881
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Missing a copy of the XXX
|
7/15 Client provided XXX SH APOR
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower have resided at current residence for XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409056881
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID5741
|
TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property
Costs or Escrow Payment = $0 or Null
|
No
|
In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or
Escrow Payment = $XXX or XXX.
|
07/15/26 Client provided a duplicate copy of the XXX Final CD (pages 1, 2, 3, 5 and signature addendum), however page 4
is a new, corrected page that was printed on XXX. Condition remains. Provide the complete XXX PCCD with the LOE to borrower.07/30/2026 Client provided PCCD XXX with correction and LOE
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1736: Significant time at current residence
- XXX Comments: Borrower have resided at current residence for XXX years
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409056884
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been self employed for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX, required reserves are $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX% is below guideline max DTI of XXX%.
|
|||||||||||||||
|
409056885
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409056886
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|||||||||||||||
|
409056887
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX ; Seller's CD in file &
able to test; Condition Satisfied
|
(No Data)
|
Condition Satisfied
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX -months housing payment history XXX
|
|
409056888
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject $XXX x XXX + REO: $XXX x XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|||||||||||||||
|
409056891
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409056891
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance fee increase of $XXX due to increase in Appraisal fee by $XXX on the initial CD XXX with no valid COC
in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/21/2026 Client provided PCCD 08/18 with cure, copy of check request, LOE and delivered XXX shipping label.
Condition remains for a copy of the cure check.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409056891
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3676
|
TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely
disclosed; refund required within 60 days of consummation.
|
No
|
XXX % tolerance in the amount of $XXX due to increase in Recording fees from $XXX LE to $XXX Final CD without a valid
COC. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower and a copy of refund
|
08/21/2026 Client provided PCCD 08/18 with cure, copy of check request, LOE and delivered XXX shipping label. Condition
remains for a copy of the cure check.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409056891
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2996
|
Missing Trust Documents
|
No
|
Missing Trust Documents in file.
|
8.19.2026 Client provided executed copy of Trust for B2
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX years in same line of work.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409056896
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX %
CFCFS2854: Significant time in profession
- XXX Comments: Borrower have been in the same line of work for XXX years
|
|
409056897
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
Texas Home Equity
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTXHE119
|
Texas Equity - Affidavit of Fair Market Value not signed by lender
|
No
|
Acknowledgement of FMV in file is not signed by lender. Pending copy of Acknowledgement of FMV fully executed by all
parties.
|
08/07/26 Client provided a notarized TX FMV Affidavit signed by the Lender post-close.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Mortgage history XXX x XXX x XXX
|
|
409056902
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409056902
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Waived
|
B
|
B
|
B
|
B
|
CRDINSR5351
|
Insurance Effective date is greater than the transaction date
|
No
|
Insurance effective date is XXX with disbursemen tXXX.
|
7.28.26- Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase
review.
|
7.28.26- waived.
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
|
|
409056914
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Per Disclosure Tracking Summary, a Loan Estimate was issued on XXX which is missing from the file. Condition pending
receipt of all missing disclosures along with corresponding COCs.
|
08/06/26 Client provided a duplicate copy of the XXX COC found in file. Condition remains. Missing the corresponding LE
issued on XXX. Provide the missing XXX LE for further testing.08/13/2026 Client provided the missing LE XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056914
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056914
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3618
|
TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business
days prior to closing
|
No
|
Unable to test a loan product due to missing initial CD in file.
|
08/06/25 Client provided an incomplete XXXInitial CD. Condition remains. Page 3 is missing. Provide all pages to the
XXX CD for further testing (tracking in file).08/10/2026 Client provided missing Initial CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056914
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing.
|
08/06/25 Client provided an incomplete XXX Initial CD. Condition remains. Page 3 is missing. Provide all pages to the
XXX CD for further testing (tracking in file).08/10/2026 Client provided missing Initial CD XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056914
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to Appraisal Fee increased without a COC in file. Condition pending receiving
a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information.
|
08/06/26 Client provided a duplicate copy of the XXX COC found in file. Condition remains. Missing the corresponding LE
issued on XXX. Provide the missing XXX LE for further testing.08/13/2026 Client provided the missing LE XXX supporting the timely increase to appraisal fee increase do to Jumbo.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056929
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDATRQM3124
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination.
|
No
|
File is missing QM Determination
|
8.12.2026 Client provided Lender Mavent w/QM Safe harbor status
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX*XXX= $XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
409056935
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
Right of Rescission
|
Waived
|
B
|
B
|
B
|
B
|
CMPROR1909
|
Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor
|
No
|
Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this
loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXXs view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that
one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX
grades the use of an H8 form in a same-lender refinance as a level B condition.
|
Client provided an approved exception for the incorrect ROR form used.
|
Initial & Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves $XXX exceed guidelines requirement of $XXX for subject $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same line of work for XXX years.
|
|
409056936
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDAST2670
|
Asset documentation is insufficient per guideline requirements
|
No
|
Provide additional consecutive month asset statement for XXX. XXX statement in the file. May require additional
conditions upon review.
|
8/4 Reviewed to LPA 1 month required
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409056936
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Assets
|
Waived
|
C
|
B
|
C
|
B
|
CRDAST205
|
Insufficient Funds to Close
|
No
|
Verified liquid assets $XXX, required $XXX. Verify borrower had sufficient liquid funds to close. Document deposit of
$XXX withdrawn from XXX on XXX into borrower's ban account prior to closing. Document funds were liquidated from borrower' XXX for $XXXand deposited into borrower's bank account prior to closing. May require additional conditions upon review.
|
8/4 Reviewed to LPA Condition remains IRA accounts total do not have XXX% equity Provide evidence of liquidation
|
Upon review by XXX SR UW; Condition is deemed Non Material; Client credit score exceeds GLs
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
|
|
409056949
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero Tolerance Fee of $XXX due to Increased in Broker Fee $XXX to $XXX on Revised CD XXX To Revised CD XXX. Missing a
valid Change of Circumstance(s), or Post Close CD, LOX and copy of refund check to borrower.
|
08/12/26 Client provided a missing XXX COC validating the Broker Fee increase.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409056955
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%
CFCFS1739: Postive mortgage payment history
- XXX Comments: Borrowers have XXX months mortgage payment history XXXxXXX.
|
|
409056957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPROR114
|
ROR - Right of Rescission not executed by all title holders
|
No
|
Condition is pending receiving updated Title (borrower as a single man) and fully executed QuitClaim Deed (by
ex-spouse) or a copy of executed ROR by all title holders (ex-spouse) along with initial CD and final CD
|
08/05/26 Client provided the recorded QCD removing the ex-spouse at Closing. Accepted by internal Compliance counsel.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
Right of Rescission
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPROR4407
|
ROR - No evidence that the material disclosures were delivered to all with rescission rights via TIL, CD or HELOC, as
applicable
|
No
|
Condition is pending receiving updated Title (borrower as a single man) and fully executed QuitClaim Deed (by
ex-spouse) or a copy of executed ROR by all title holders (ex-spouse) along with initial CD and final CD
|
08/05/26 Client provided the recorded QCD removing the ex-spouse at Closing. Accepted by internal Compliance counsel.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
XXX% tolerance in the amount of $XXX due to added Appraisal fee on a revised LE XXX, Per COC XXX, loan had a prior
waiver and Investor will accept it. Condition is pending receiving a further explanation as to why fee was charged if Investor accepted a waiver or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via
shipping that includes tracking information
|
08/05/26 Client provided a XXX LOE from Lender stating: Per the AUS and UW an appraisal was needed and was used.
Condition remains. Per review by internal Compliance counsel, provide additional information on why the appraisal was not quoted initially. Subject to re-review.08/11/26 Client provided a Lender rebuttal stating after the review of the XXX
COC, it was discovered that there was a typo regarding the investor accepting the appraisal waiver. It should have said WILL NOT accept appraisal waiver. The COC noted the $XXX to $XXX fee. Condition remains. For further review, provide
additional information on why the appraisal was not quoted initially on the XXX LE. Subject to re-review.08/13/26 Client provided an LOE from Lender stating at the time the loan was initially disclosed, the appraisal fee was not included
because the loan had an appraisal waiver and the investor had not yet been determined. Once the loan was locked with the Client (lock date XXX), guidelines do not permit the use of an appraisal waiver. Timing met for re-disclosure on XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056957
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Waived
|
B
|
B
|
B
|
B
|
CMPTRID5806
|
TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights.
|
No
|
Condition is pending receiving updated Title (borrower as a single man) and fully executed QuitClaim Deed (by
ex-spouse) or a copy of executed ROR by all title holders (ex-spouse) along with initial CD and final CD
|
08/05/26 Client provided the recorded QCD removing the ex-spouse at Closing. Per review by internal Compliance counsel,
the condition remains. At the time of the XXX Initial CD, the ex-spouse was still on Title and entitled to receive a copy of the Initial CD.08/11/26 Client provided an approved exception for the mising Initial CD issued to the ex-spouse.
|
Initial and Final Grade B.
|
Not Applicable
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX fico > program minimum of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV < program maximum of XXX%.
|
|
409056964
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Documentation
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPDOC3268
|
Note in file is incomplete
|
No
|
File is missing pages 2 and 3 of the fully executed note.
|
07/15/26 Client provided all pages of the fully executed Note.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
|
|
409056964
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
File is missing verification of P&I payment for new bridge loan used to qualify for subject loan. It appears used
$XXX per month to qualify. Used same amount for recalculations.
|
7.13.2026 Client provided HUD-1 for loan amount of $XXX where Borrower received $XXX with payoff of the XXX for XXX
property and provided appraisal for XXX. Response, (a). missing evidence of the monthly payment for the $XXX(new loan amount) on the XXX property and (b). Lender to clarify reason for appraisal on XXX property however appears to be also
missing the new 2nd lien payment for loan amount with $XXX with payoff of XXX on the XXX Condition remains 7.23.2026 Client provided unsigned Loan agreement and Promissory Note (unexecuted) for property: XXX which states $XXX promissory note
however Final HUD-1 (in file pg 304) reflect loan amount of $XXX(for this transaction); missing: evidence of monthly payment being used on XXX w/balance $XXX (HUD-1 in file reflect this loan amount of $XXX; paid off 2nd w/XXX and borrower
netted $XXX from transaction, subject CD reflect this borrower deposit of $XXX) however unsigned promissory note sent over was for $XXX (unknown if Borrower received this in additional to the $XXX(not reflected on REO); w/review of documents
missing evidence of monthly payment being used for XXX w/file having evidence of receipt of loan amount of $XXX (in which paid off the prior 2nd lien w/XXX). Provide evidence of monthly payment and to clarify if borrower also received $XXX
unsigned promissory note (no payment was used and not reflected on REO of 1003)7.31.2026 Client provided Final HUD-1 verifying borrower also received the $XXX (against the XXX property) along w/executed copy of Loan agreement and terms for
$XXX however is not reflected on REO of 1003 for this property. Missing: (a). updated 1003 to also include this 3rd mtg in the amount of $XXX and verify the mo. payment (on REO) and (b). evidence of monthly payment for other new lien in the
amount of $XXX(in which paid off the prior 2nd lien w/XXX) and (c). updated 1008 to include monthly payments for both new 2nd and 3rd liens ($XXX and $XXX). This update is regarding XXX property. 8.4.2026 Client provided updated 1003/1008
with adding 3rd lien in the amount of $XXX to REO (XXX) and adding monthly payment of $XXX for the $XXX loan and for the $XXX lender LOX stating not hitting for monthly payment due to following guidelines for departing residence with
sufficient equity and provided copy of exterior appraisal for departure home with value of $XXX with total outstanding liens of $XXX ($XXX+ $XXX+ $XXX) for an LTV of XXX% (XXX% equity met) however file having copy of current extension
listing, appears to have been listed since XXX to current (expiring as of XXX) subject Note date XXX and marketing time is < XXX(XXX) months. Condition remains (a). missing copy of extension of listing due to been listed now for over XXX
months and expires on XXX and subject Note XXX (updated extension (if applicable) listing is required to support still being active listing due to no monthly payment being considered for $XXX loan on this property and (b) updated 1003 to
remove both paid off liens (listed under liabilities) with XXX and XXX (both were paid off on HUD-1 of new liens received). 8.10.2026 Client provided post close dated Exclusive Right of Sale Listing Agreement (dated XXX- XXX) this is
provided to support omission of PI of $XXX new HELOC on this property (using option not under contract with copy of Listing, file have a prior to closing listing agreement however expiring on XXX/Note date XXX) however did not provide the
updated requested 1003 (removing both paid off liens from LiabilityXXX Client provided corrected 1003/1008
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrower has $XXX available in reserves; $XXX in reserves required.
|
|
409056970
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX month > reserve requirement $XXX.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX% is below guideline maximum XXX%.
|
|
409056975
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1735: Co-Borrower has significant time at current job
- XXX Comments: Co-borrower has XXX years XXX months at current job.
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX% below guideline max XXX%.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has XXX years XXX months at current job.
|
|||||||||||||||
|
409056978
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
|
|||||||||||||||
|
409056987
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
|
|
409056997
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves; $XXX exceeds guide lines.
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX% is below lender's guide line maximum of XXX%.
|
|
409057002
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV of XXX% is below guideline max LTV of XXX%.
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: XXX x XXX x XXX mortgage payment history required, credit shows XXX x XXX since XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Guideline minimum credit score is XXX, qualifying score XXX.
|
|||||||||||||||
|
409057003
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves: Verified $XXXSubject: $XXX x XXX = $XXX REO's $XXX x XXX = $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|||||||||||||||
|
409057035
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM
review and render an accurate ATR/QM status.Provide documentation that Borrower does not own XXX. This show as borrower purchased XXX on 3rd party Data Verify
|
7.30.2026 Client provided warranty deed of XXX. (property in question) showing whom last/current owners are as of XXX
even though data verify have info as of XXX showing seller as XXX and our Borrower as the Buyer, in addition this is the property Borrower currently is renting (VOR in file) and subject purchase is XXX. (in which borrower is purchasing next
door property as Primary). Condition remains for evidence notice to vacate (XXX) was given to landlord for Borrower to occupy (next door property XXX.), QM condition is now being satisfied with warranty deed documentation and requesting
evidence of notice given to vacate next door property (XXX ) which is property in question.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409057035
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409057035
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
No
|
Provide documentation that Borrower does not own XXX This show as borrower purchased XXX on 3rd party Data Verify
|
7.27.2026 Client provided copy of Deed of Trust showing owner as XXX and property profile however this appears to be
where Borrower is currently renting: XXX. and subject purchase is XXX. in addition data verify is showing seller as XXX with address XXX (which is the same address on the property profile lender provided). Condition remains, additional
documentation required due to Seller on data verify is XXX our borrower is XXX and owner address XXX is same owner address on the property profile provided by lender. 7.30.2026 Client provided warranty deed of XXX. (property in question)
showing whom last/current owners are as of XXX even though data verify have info as of XXX showing seller as XXX and our Borrower as the Buyer, in addition this is the property Borrower currently is renting (VOR in file) and subject purchase
is XXX (in which borrower is purchasing next door property as Primary). Condition remains for evidence notice to vacate (XXX.) was given to landlord for Borrower to occupy (next door property XXX.) 8.5.2026 Client provided XXX website of
address: XXX. (where Borrower is currently renting) and VOR in file from same Landlord XXX stating lived at XXX. since XXX- current (XXX) and borrower purchasing next door property:XXX prior requested documentation was not provided, still
missing evidence from Landlord:XXX. Borrower have given notice to vacate. Condition remains
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409057287
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of confirmation of REO HELOC monthly payment amount
|
7.31.2026 Client provided updated 1003/1008 and DU submission #12 increasing B2 2nd job income, however initial
condition remains for evidence of monthly HELOC w/XXX supporting monthly $XXX that is being used on this updated 1003; Final 1003 in file payment was $XXX however 1008 and DU is using $XXX for monthly payment vs $XXX; and provided LOX
breakdown of monthly payment being used of $XXX based off current balance of $XXXk
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX > XXX months
|
|
409057287
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX > XXX months
|
|
409057287
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
Max DTI XXX%Qualifying DTI XXX%.Difference is due to Lender used REO property tax document in file as annual; Per
Google and XXX's Drive report - it's a quarterly statement.
|
7.31.2026 Client provided updated 1003/1008 and DU submission #12 increasing B2 2nd employment income with DU updated
DTI of XXX%
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX > XXX months
|
|
409057287
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
Provide sufficient documentation supporting $XXX shown on final 1003 for new REO HELOC monthly payment. Subject to DTI
and reserves recalc and may be subject to additional conditions upon review.
|
7.31.2026 Client provided updated 1003/1008 and DU submission #12 increasing B2 2nd job income, however initial
condition remains for evidence of monthly HELOC w/XXX supporting monthly $XXX that is being used on this updated 1003; Final 1003 in file payment was $XXX however 1008 and DU is using $XXX for monthly payment vs $XXX; and provided LOX
breakdown of monthly payment being used of $XXX based off current balance of $XXXk
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX > XXX months
|
|
409057287
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDTER2548
|
Missing AUS or AUS errors present
|
No
|
Provide updated findings due to:1. AUS DTI XXX% and XXX's DTI XXX%. Difference is in departing residence property tax
calc and $XXX used on new REO Heloc payment in AUS, vs Lender / XXX using $XXX per 1003. (Docs pending Heloc payment amount confirmation) 2. 'XXX The Collateral Underwriter message service is temporarily unavailable. Please resubmit at a
later time' May be subject to additional conditions upon review.
|
7.31.2026 Client provided updated 1003/1008 and DU submission #12 increasing B2 2nd employment income for an updated
DTI of XXX% and Collateral Underwriter message is now available on updated DU and provided LOX breakdown of monthly payment being used of $XXX based off current balance of $XXXk
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
CFCFS1739: Postive mortgage payment history
- XXX Comments: XXX x XXX > XXX months
|
|
409057288
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Compliance
|
RESPA
|
Waived
|
B
|
B
|
B
|
B
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
RESPA: Required Affiliate Business Disclosure missing
|
07/24/2026 Client provided an approved exception request for missing Affiliate Business Disclosure.
|
Initial and final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX%
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower at current employment XXX years
|
|
409057290
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Re-Verifications
|
Satisfied
|
C
|
A
|
C
|
A
|
CRDRVRFC1803
|
Debts/Obligations that were not discl at origination revealed through independent re-verification
|
No
|
Provide documentation that the following liens on Data Verify are paid or do not belong to borrowerXXX XXX XXX, XXX
#XXX for $XXXXXX XXX XXX#XXX for $XXXIRS #XXX for $XXX
|
XXX client provided a lien release However the search engine used is not clearly identified; Provide an accompanying UW
Cert to confirm the sourceXXX Client provided Email from processor that Lexis Nexus was used
|
SAtisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: Low LTV/CLTV/HLTV 36 % Guidelines allow XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: Low DTI XXX % Max DTI allowed is XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $XXX+ XXX Months for Additional REO or ( $ XXX X XXX = $ XXX )
|
|
409057298
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX% DTI is below guideline maximum of XXX%
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX exceed guideline requirement of $XXX for subject $XXX x XXX + XXX months projected income + REO: $XXX x XXX.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|||||||||||||||
|
409057316
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
This exception is informational. Exception satisfied. Final Grade A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX%; guidelines allow XXX%.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|
409058446
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA863
|
RESPA: Required Affiliate Business Disclosure missing
|
No
|
Missing Affiliate Business Disclosure
|
XXX Client provided an LOE from Lender stating the are not affiliated with anyone.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX .
|
|
409061145
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409061145
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Active
|
B
|
B
|
B
|
B
|
CRDCRMH118
|
Mortgage/rental lates exceed guidelines
|
No
|
Borrower B2/B3 has XXX mortgage late in past XXX months. XXX XXX on XXX .
|
XXX Client asked for a review ; Upon review the late payment occurred XXX
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409061145
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Active
|
D
|
D
|
D
|
D
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
Yes
|
Provide corrected 1008. One in file shows XXX % DTI. Per Note XXX XXX should be Borrower 1
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score
|
|
409061426
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Zero tolerance in the amount of $XXX due to added Appraisal review fee on CD XXX with no valid COC. COC dated XXX
indicates added Rush fee. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
08/21/2026 Client provided PCCD 08/14 with cure, copy of cure check, LOE and out for delivery shipping label.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX Exceeds requirement for subject and one lien free REO
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409061426
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
Property Valuations
|
Appraisal
|
Satisfied
|
C
|
A
|
C
|
A
|
PRVAAPPR4789
|
Appraisal Deficiency
|
No
|
1. 'Analysis of prior sale or transfer history of the subject property and comparable sales. As noted above, the
subject has not transferred within the past threeyears and the comparables have not otherwise sold in the past year.' 2. 'Contract Price $XXX . Date of Contract XXX 3. 'Report data source(s) used, offering price(s), and date(s). DOM 11;Per
MLS, the subject is currently a pending sale. The subject was listed on XXXfor $XXX and sold within XXX days with no price reductions. XXX . There were 7 reported offers because it was listed below market'Appraiser to address discrepancies
above. Was there a sale on XXX for $XXX ? May be subject to additional conditions upon review.
|
8.20.2026 Client provided Lender snippet stating there is no discrepancy. Response, initial condition remains,
appraiser to address. 8.25.2026 Client provided updated appraisal with commenting as Yes on first page and 2nd page in prior sale history reflecting as noted above, the subject has not transferred within the past three years and the
comparable have not otherwise sold in the past year. Response, appears pg 1 still says Yes with page 2 reflecting no prior sales history. Pg 1 possibly should be No which would further support having no prior sales history in the past three
years and appears the appraiser was commenting on offers/listing on subject property. Subject is a Purchase transaction and to address the initial condition with update from appraiser don't appear to have been a sale on 7.10.2026 for
$799,000; appears to have been listing for sale however is now being sold.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX Exceeds requirement for subject and one lien free REO
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score
|
|
409061429
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX 1% is below guideline max of XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
|
|
409061429
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3706
|
TRID - Curable Issue #1 related to the Closing Disclosure in file
|
No
|
Missing Final CD listing receipt of $XXX in gift funds.
|
8.24.2026 Client provided final HUD-1 settlement statement with receipt of gift funds ($100k and $400k) totaling $500k
along with gift letter.
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guideline min XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX 1% is below guideline max of XXX %.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX in verified assets is sufficient to cover required reserves $XXX
|
|
409061435
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Active
|
C
|
C
|
C
|
C
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
Yes
|
XXX % tolerance in the amount of $XXX due to added 2nd Appraisal Fee $XXX , Tax Service fee increased by $XXX and Wire
Charge fee increased by $XXX on initial CD XXX without Change of circumstance in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via
shipping that includes tracking information.
|
08/21/2026 Client provided missing LE 7/24 and COC 7/22 reflecting Rate lock, Reasons listed for each: Second appraisal
fee needed, increase to Tax service fee due to lock and wire Transfer fee increase due to program change. Condition remains. Provide additional information/documentation reflecting how these reasons affected the fees listed subject to
re-review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX or XXX months PITI reserves, the guidelines require XXX months PITI reserves.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409061437
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409061449
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Compliance
|
Compliance Manual
|
Active
|
D
|
D
|
D
|
D
|
CMPMAN2956
|
Missing disclosure
|
Yes
|
Per XXX and XXX, a revised LE dated XXX was sent to borrower, LE is missing in file please provide along with any COC
if applicable.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
|
|
409061449
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
|
|
409061449
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Credit
|
Assets
|
Active
|
D
|
D
|
D
|
D
|
CRDAST2354
|
Asset Verification In File is Incomplete Per Requirements
|
Yes
|
Missing signed Final CD/HUD for departure residence to verify transfer of $XXX on XXX to borrower's account; XXX
account statement is not sufficient evidence.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV; max XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
|
|
409061455
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX .
|
|
409061506
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: CLTV XXX%; guidelines allow XXX%
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX.
|
|||||||||||||||
|
409061645
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
B
|
C
|
B
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
No
|
Verification fee $XXX was added to final LE XXX section B. COC issued XXX does not list amount of fee increase or
any details as to why fee was added. No cure provided on final CD to satisfy condition. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Total Refund of $XXX w/ Proof of Delivery.
|
08/24/26 Client provided an 8/20 PCCD, LOE, check and tracking.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX .
|
|
409061667
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Legal Documents
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDLGL2422
|
Missing Purchase Contract
|
No
|
Purchase Contract missing.
|
8.14.2026 Client provided executed subject Purchase Contract supporting $XXX
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Good mortgage history XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: DTI XXX %
|
|
409061688
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409061827
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
1.Missing the mortgage statements for XXX XXX XXX , XXX XXX XXX and XXX XXX XXX XXX to verify tax/insurance
payments are escrowed into the payment reflected on the credit report, or provide evidence of all PITIA for the properties.2. Missing homeowners insurance and property tax documentation for XXX XXX XXX , XXX XXX XXX and XXX XXX XXX 3.
Missing evidence of either HOA payment for all properties listed on the 1003 or a statement from borrower that they are not in an HOA.
|
8/17 Client provided evidence no HOAs provide 1.Missing the mortgage statements for XXX XXX XXX XXX XXX XXX and
XXX XXX XXX XXX to verify tax/insurance payments are escrowed into the payment reflected on the credit report, or provide evidence of all PITIA for the properties.2. Missing homeowners insurance and property tax documentation for XXX XXX
XXX , XXX XXX XXX and XXX XXX XXX .8.20.2026 Client provided requested documentation verifying PITI(A) with mtg statements and taxes, HOI and HOA for applicable properties being verified as reflected on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX , Total post close assets required per the guidelines is $XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409061827
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
Credit
|
DTI
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
No
|
1.Missing the mortgage statements for XXX XXX XXX , XXX XXX XXX and XXX XXX XXX XXX XXX to verify tax/insurance
payments are escrowed into the payment reflected on the credit report, or provide evidence of all PITIA for the properties.2. Missing homeowners insurance and property tax documentation for XXX XXX XXX , XXX XXX XXX and XXX XXX XXX. 3.
Missing evidence of either HOA payment for all properties listed on the 1003 or a statement from borrower that they are not in an HOA.
|
8/17 client provided XXX report showing no HOAs for three REOS; Condition remains for 1.Missing the mortgage
statements for XXX XXX XXX, XXX XXX XXX and XXX XXX XXX XXX XXX to verify tax/insurance payments are escrowed into the payment reflected on the credit report, or provide evidence of all PITIA for the properties.2. Missing homeowners
insurance and property tax documentation for XXX XXX XXX ,XXX XXX XXX and XXX XXX XXX.8.20.2026 Client provided requested documentation verifying PITI(A) with mtg statements and taxes, HOI and HOA for applicable properties being verified
as reflected on REO of 1003
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX , Total post close assets required per the guidelines is $XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409061827
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
Property Valuations
|
Property
|
Waived
|
C
|
B
|
C
|
B
|
PRVAPROP2556
|
Acreage exceeds property eligibility guidelines
|
No
|
The subject property acreage is 40.58, the maximum acreage per the guidelines is 40.
|
8.14.26- Client provided an approved exception request to allow 40.58 acres.
|
Upon further review byXXX exception is deemed non-material. Exception approved, B Grade with compensating factors: DTI,
fico score, reserves.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close assets are $XXX , Total post close assets required per the guidelines is $XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409061909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Active
|
C
|
C
|
C
|
C
|
CMPTRID3640
|
TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was
not timely disclosed; insufficient credit or refund provided
|
Yes
|
Zero Tolerance in the amount of $XXX due to added CDA fee on initial CD XXX with no valid reasons documented on COC
XXX. Lender's credit for tolerance cure was applied towards increased Credit Report fee. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking
information.
|
(No Data)
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409061909
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
|
|
409061913
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Active
|
C
|
C
|
C
|
C
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
Yes
|
XXX % tolerance in the amount of $XXX due to added Appraisal fee on a revised LE XXX with no valid reasons documented
as to why fee was added. Condition is pending receiving a further explanation why fee was not disclosed on initial LE or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking
information
|
08/24/2026 Client provided COC 7/28 reflecting the Appraisal fee $745.20 covered by the reduction of the Discount
points to $3,042.90 on CD 7/28. Condition remains. Provide an itemization reflecting the un-rounded amount for Discount Points on the LAST LE 7/27 for re-review.
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX .
|
|
409061913
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX .
|
|
409061917
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Active
|
C
|
C
|
C
|
C
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
Yes
|
XXX % tolerance in the amount of $XXX due to added Survey fee in C. section on final CD XXX with no valid COC in
file. SPL doesn't include any provider for this service, fee is not a shoppable fee and will be tested for XXX % violation. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery
via shipping that includes tracking information.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
409061917
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material
issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
409061920
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
C
|
A
|
C
|
A
|
CMPTRID3626
|
TRID - CD: Loan consummated before end of waiting period
|
No
|
Loan consummated on XXX ; Last LE issued on XXX & e-signed on XXX ; file is missing evidence last LE was received
by the borrower min XXX days prior to closing date.
|
08/20/26 Client provided the disclosure tracking details confirming borrowers viewed the last LE on XXX
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX %.
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has been with current employer since XXX .
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score of XXX is XXX points above the minimum required score of XXX .
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below the maximum allowed DTI of XXX %.
|
|
409061925
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Loan closed as AUS. 1008 shows Manual. Provide corrected 1008 showing AUS/DU Risk Assessment
|
8/19 Client provided corrected 1008
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: High Credit XXX Guidelines allow XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post Close Assets are $XXX or XXX months PITIAGuidelines require XXX months or $ XXX X XXX = $XXX
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has XXX Years in Current Profession
|
|
409061948
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|||||||||||||||
|
409061964
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX ; Seller's CD in file
& able to test; Condition Satisfied.
|
(No Data)
|
Condition Satisfied.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA, meeting min required reserves of XXX months PITIA for subject and XXX months for one financed REO
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409061964
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPTRID3600
|
TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as
not delivered
|
No
|
E-consent in file is signed on XXX ; Initial CD XXX is e-signed on XXX ; Missing borrower's e-consent prior or on XXX .
|
08/17/2026 Client provided the Disclosure tracking Summary reflecting accepted consent on XXX the same day as the
Initial LE.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITIA, meeting min required reserves of XXX months PITIA for subject and XXX months for one financed REO
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409061968
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
Finance Charge Tolerance
|
Active
|
C
|
C
|
C
|
C
|
CMPFINT106
|
Finance charge understated by more than $100 (Pmt Stream)
|
Yes
|
Finance Charge is understated by $XXX due to Title Closing fee $XXX not included in calculation. Per Mavent in file,
fee is included, however final CD XXX doesn't' reflect the fee being included in Loan Calculation amounts. Condition is pending receiving a copy of refund for $XXX LOE to borrower, corrected PCD and proof of shipping with tracking
information.
|
08/21/026 Client provided PCCD 8/19 with refund, copy of monies request, LOE and shipping label in created status.
Condition remains. Finance charge must be cured via refund to the Borrower. Principal Reduction is not allowed. Provide a copy of the check for the cure and evidence all delivered to Borrower.
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
|
|
409061968
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
Finance Charge Tolerance
|
Active
|
C
|
C
|
C
|
C
|
CMPFINT4372
|
TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed
|
Yes
|
Finance Charge is understated by $XXX due to Title Closing fee $XXX not included in calculation. Per XXX in file, fee
is included, however final CD XXX doesn't' reflect the fee being included in Loan Calculation amounts. Condition is pending receiving a copy of refund for $XXX LOE to borrower, corrected PCD and proof of shipping with tracking information.
|
08/21/026 Client provided PCCD 8/19 with refund, copy of monies request, LOE and shipping label in created status.
Condition remains. Finance charge must be cured via refund to the Borrower. Principal Reduction is not allowed. Provide a copy of the check for the cure and evidence all delivered to Borrower.
|
(No Data)
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
|
|
409061968
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
|
|
409062086
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
No
|
Determine status upon review / receipt of missing income docs
|
8.14.2026 Client provided Lender LOX stating income is asset depletion using #XXX and #XXX for total assets of $XXX/XXX
= $XXX however subject loan term is XXX months and assets depletion is based on subject loan term, lender using XXX vs XXX. Condition remains for Lender calculation based on XXX months vs XXX; current DTI is XXX% using XXX months.
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REO: $XXX x XXX.
|
|
409062086
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this
is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A.
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REO: $XXX x XXX.
|
|
409062086
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Credit
|
Income/Employment
|
Satisfied
|
D
|
A
|
D
|
A
|
CRDINC3204
|
Income Documentation Missing
|
No
|
B1 other income used to qualify for $XXX/month appears to be note income; per promissory note provided; however,
missing documentation. 1) Document a minimum of XXX months borrower receipt. Payments must be full, regular, and on time. Only XXX payment in file. 2) Notes executed within the past XXX months cannot be used for stable qualifying income,
regardless of total duration. Note is dated XXX, and states 'Payment. Subject to Sections 7-9 below, the Maker shall pay the principal of this Note inXXX (XXX) equal quarterly installments of $XXX payable within thirty (XXX) daysafter each
quarter end beginning on the quarter ending XXX', however also references the following dates ; This Note has been executed and delivered in accordance with the terms and conditionsof the Second Amended and Restated Limited Liability Company
Agreement of Maker, dated XXX, as amended by that certain First Amendment dated as of XXX and as maybe further amended from time to time (as amended, the "Agreement"), and is subject to the termsand conditions of the Agreement' . Provide copy
of initial Note / Agreement if applicable, and all payments made in last XXX months. 3) Client must prove the income will continue for at least XXX years from the note date. May require additional conditions upon review.
|
8.14.2026 Client provided Lender LOX stating income is asset depletion using #XXX and #XXX for total assets of $XXX/XXX
= $XXX however subject loan term is XXX months and assets depletion is based on subject loan term, lender using XXX vs XXX. Condition remains for Lender calculation based on XXX months vs XXX; current DTI is XXX% using XXX months.
|
Satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX% LTV is below guideline maximum of XXX%
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves XXX exceed guideline requirement of $XXX for subject PITIA $XXX x XXX + REO: $XXX x XXX.
|
|
409062125
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Property Valuations
|
Property
|
Waived
|
B
|
B
|
B
|
B
|
PRVAPROP241
|
Property Type unacceptable under guidelines
|
No
|
Non-warrantable Condo due to XXX /Crime Coverage is XXX and insufficient. Based on total annual assessment income of
$XXX the HOA should have $XXX in coverage.
|
7/31/26 Client provided an approved exception for Non-Warrantable Condo and XXX % DTI and
|
Upon further review by XXX exception is deemed non-material due to XXX % LTV and $XXX reserves. Final Grade B.
|
(No Data)
|
Not Applicable
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI Is below guideline maximum of XXX %
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %; however, reduced by XXX % to max XXX % due to non-warrantable condo.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409062131
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1734: Borrower has significant time at current job
- XXX Comments: Borrower has stable employment with XXX years at current job.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score exceeds guide lines.
|
|
409062136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
Compliance
|
Ability to Repay/Qualified Mortgage
|
Active
|
D
|
D
|
D
|
D
|
CMPATRQM3220
|
TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the
ATR/QM review and render an accurate ATR/QM status.
|
Yes
|
Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM
review and render an accurate ATR/QM status.Provide documentation for omitting XXX XXX XXX XXX Installment with $XXX /month payment.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409062136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
Compliance
|
Right of Rescission
|
Active
|
C
|
C
|
C
|
C
|
CMPROR2330
|
ROR - Disbursement date is before end of statutory rescission period
|
Yes
|
Final CD XXX disbursement date reflects as XXX .Right to cancel reflects date to cancel of XXX Condition is pending
receiving final ALTA statement with Disbursement date, corrected Disbursement date on PCD, LOE and proof of shipping
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409062136
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
ATR/QM: Status Pending
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
Credit
|
Terms/Guidelines
|
Active
|
C
|
C
|
C
|
C
|
CRDTER3122
|
Loan documents do not meet guideline requirements
|
Yes
|
Provide documentation for omitting XXX XXX XXX XXX Installment with $XXX month payment.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Reserves$XXX or XXX months PITI
|
|
409062165
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: Borrowers DTI XXX % is below guideline maximum XXX %.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Verified XXX FICO score. Minimum required XXX.
|
|||||||||||||||
|
409062167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
The Final Closing Disclosure does not reflect all the required Seller paid closing fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX = $XXX reserves required.
|
|
409062167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
Property Valuations
|
Appraisal
|
Active
|
C
|
C
|
C
|
C
|
PRVAAPPR5454
|
Loan File contains Property Inspection Waiver (PIW)/AW
|
Yes
|
Appraisal Waivers also known as a PIW or Drive-By appraisals are not allowed.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX = $XXX reserves required.
|
|
409062167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
Property Valuations
|
Appraisal
|
Active
|
D
|
D
|
D
|
D
|
PRVAAPPR100
|
Missing Appraisal
|
Yes
|
Missing Appraisal
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX = $XXX reserves required.
|
|
409062167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
Property Valuations
|
Appraisal
|
Active
|
D
|
D
|
D
|
D
|
PRVAAPPR3116
|
Missing updated valuation
|
Yes
|
Missing CDA and/or LCA supporting $XXX appraisal value, PIW. Per guidelines, Appraisal Waivers also known as a PIW
Drive-By appraisals are not allowed.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX = $XXX reserves required.
|
|
409062167
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
Property Valuations
|
FEMA
|
Active
|
C
|
C
|
C
|
C
|
PRVAFEMA217
|
Natural Disaster Area, no subsequent inspection (Individual)
|
Yes
|
Declaration date XXX declaration XXX PIW date XXX .
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in same profession for XXX years.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX + REO $XXX = $XXX reserves required.
|
|
409062177
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Active
|
C
|
C
|
C
|
C
|
CMPTRID3670
|
TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed;
refund required within 60 days of consummation
|
Yes
|
XXX % tolerance in the amount of $XXX due to added Rush fee on initial CD XXX with no COC in file. Condition is
pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
CFCFS1740: Mortgage payment history exceeds guidelines
- XXX Comments: Borrowers have XXX months mortgage payment history XXX .
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
|
|
409062178
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
Compliance Manual
|
Satisfied
|
D
|
A
|
D
|
A
|
CMPMAN2956
|
Missing disclosure
|
No
|
Initial CD XXX is the only CD in file. Missing final CD acknowledged by the borrower at closing.
|
08/18/2026 Client provided a duplicate of the Initial CD XXX . Condition remains. Provide the missing Final CD, fully
executed and signed at the time of closing on XXX .
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX months
|
|
409062178
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees,
exception is satisfied
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX / XXX months PITI > min required reserves of XXX months
|
|
409062182
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Active
|
D
|
D
|
D
|
D
|
CRDTER2548
|
Missing AUS or AUS errors present
|
Yes
|
File is missing the AUS approval required for the XXX AUS program.
|
8.21.2026 Client provided DU AUS #8 A/Eligible however #14 of DU states the input of B1 employment start date does not
appear employment has begun. Condition remains for DU correction to B1 employment start date, per documentation in file started February 2026 for B1 or Lender to clarify this input as being correct, if applicable. 8.25.2026 Client provided
LP and LOX in Collaborate, switching from DU to LP w/LCA Score 2.5; condition remains for 1008 reflecting risk assessment LP vs DU.
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qualifying score; XXX required.
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified reserves of $XXX ; total reserves required $XXX
|
|
409062214
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Seller fees reflected on Seller CD but not included on Borrower Final CD.
|
(No Data)
|
Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD.
|
Numeric
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline requirements
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX % below guideline requirement
|
|
409062214
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Terms/Guidelines
|
Active
|
B
|
B
|
B
|
B
|
CRDTER146
|
Missing lender's loan approval/underwriting form
|
No
|
Missing Lender 1008 and to reflect which AUS used for underwriting: DU or LP Both DU and LP in file however unsure
which Lender used due to missing 1008
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline requirements
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX % below guideline requirement
|
|
409062320
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Compliance
|
RESPA
|
Satisfied
|
B
|
A
|
B
|
A
|
CMPRESPA2698
|
RESPA - List of homeowners counseling organizations not in file
|
No
|
Homeowners counseling organizations List not in file.
|
08/19/2026 Client provided missing List of homeowners counseling organizations dated XXX.
|
Condition Satisfied.
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post close reserves verified at $XXX , required reserves are $XXX .
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI of XXX is below guideline max DTI of XXX.
CFCFS1737: LTV below guideline requirements
- XXX Comments: Guideline max LTV is XXX %, qualifying LTV XXX %.
|
|
409062351
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Active
|
D
|
D
|
D
|
D
|
CRDDTI2540
|
Missing verification of some or all components of non-subject PITI
|
Yes
|
1. Missing homeowners insurance and property tax documentation for XXX XXX XXX2. Missing evidence of either HOA for
the property located at XXX XXX XXX or a statement from the borrower that it is not in an HOA.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409062351
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Credit
|
Income/Employment
|
Active
|
D
|
D
|
D
|
D
|
CRDINC3204
|
Income Documentation Missing
|
Yes
|
Missing XXX SSI 1099 for borrower 1
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Post closing assets $XXX > min required of $XXX
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
|
|
409062373
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1744: DTI below guideline requirement
- XXX Comments: DTI XXX % below guideline requirement
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: Credit score XXX exceeds guidelines
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV XXX % below guideline requirements
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Verified cash reserves exceed guidelines
|
|||||||||||||||
|
409062540
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
DTI
|
Active
|
B
|
B
|
B
|
B
|
CRDDTI105
|
Debt Ratio Exception 5% or Less
|
No
|
XXX % DTI exceeds XXX AUS program max of XXX % due to review including additional open XXX acct#XXX reporting on the
most recent/updated credit report XXX with $XXX /mo. payment. Credit report also reflects XXX acct XXX as open with a $XXX balance that should be either included in the borrower's debt obligation or evidence provided that account has a $0
balance with an updated/supplement credit report or statement; DU approved at XXX %.
|
(No Data)
|
(No Data)
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: $XXX reserves; $XXX = $XXX reserves required.
CFCFS2854: Significant time in profession
- XXX Comments: Borrower has been in the same profession for XXX years.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX qual score; min XXX
|
|
409062585
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CFCFS1736: Significant time at current residence
- XXX Comments: XXX years at primary residence.
CFCFS5269: Minimal use of credit
- XXX Comments: Minimal usage of available revolving credit lines @ XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX .
|
|||||||||||||||
|
409062679
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees
|
(No Data)
|
Exception is information and is satisfied to 1/A
|
Numeric
|
Not Applicable
|
CFCFS1737: LTV below guideline requirements
- XXX Comments: XXX % LTV is below guideline maximum of XXX %
CFCFS1744: DTI below guideline requirement
- XXX Comments: XXX % DTI is below guideline maximum of XXX %
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX credit score exceed guideline minimum of XXX
|
|
409064175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Compliance
|
TILA/RESPA Integrated Disclosure
|
Satisfied
|
A
|
A
|
A
|
A
|
CMPTRID5293
|
TRID Not all required seller-paid fees were disclosed on the CD
|
No
|
Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees.
|
(No Data)
|
Exception Satisfied, seller fees have been sourced on the Seller CD final Grade A.
|
Numeric
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO $XXX x XXX =$XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
409064175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Credit/Mtg History
|
Waived
|
B
|
B
|
B
|
B
|
CRDCRMH193
|
Length of mortgage/rental history in file does not meet guideline requirement
|
No
|
Missing evidence of XXX for borrowers' primary housing payment history prior to this transaction; 1003 reflects
borrowers rent $XXX /mo. for XXX yrs XXX XXX XXX , XXX XXX .
|
8/18 Client provided an approved exception to allow the file without the VOM
|
XXX final grade is B
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO $XXX x XXX =$XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
409064175
|
XXXXXX
|
XXXXXX
|
QM: Safe Harbor (APOR)
|
QM: Safe Harbor (APOR)
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Credit
|
Insurance
|
Satisfied
|
B
|
A
|
B
|
A
|
CRDINSR5081
|
Insurance Policy missing required endorsements
|
No
|
Insurance dwelling coverage indicates $XXX (should be $XXX ); Need corrected declaration page with correct coverage
amount.
|
8.20.2026 Client provided updated HOI policy with correct dwelling amount of $XXX (prior policy in file pg 483 was
incorrect/w/typo).
|
Condition satisfied
|
(No Data)
|
Not Applicable
|
CFCFS1731: Verified cash reserves exceed guidelines
- XXX Comments: Assets: $XXX effective, $XXX to close, $XXX reserves; $XXX x XXX + XXX mo REO $XXX x XXX =$XXX reserves required.
CFCFS1741: Credit score exceeds guidelines
- XXX Comments: XXX mid score > min required of XXX
CFCFS1737: LTV below guideline requirements
- XXX Comments: LTV is XXX %; guidelines allow XXX %.
|
|
Client Name:
|
|||||||||||||||||||
|
Client Project Name:
|
SEMT 2026-CD6
|
||||||||||||||||||
|
Start - End Dates:
|
3/18/2026 - 8/18/2026
|
||||||||||||||||||
|
Deal Loan Count:
|
253
|
||||||||||||||||||
|
Conditions Report 2.0
|
|||||||||||||||||||
|
Loans in Report:
|
253
|
||||||||||||||||||
|
Loans with Conditions:
|
191
|
||||||||||||||||||
|
Loan Number
|
Lender Application Date
|
Broker Application Date
|
Initial Securitization Overall Loan Grade
|
Final Securitization Overall Loan Grade
|
Initial Securitization Credit Loan Grade
|
Final Securitization Credit Loan Grade
|
Initial Securitization Property Valuations Loan Grade
|
Final Securitization Property Valuations Loan Grade
|
Initial Securitization Compliance Loan Grade
|
Final Securitization Compliance Loan Grade
|
Initial S&P Overall Loan Grade
|
Final S&P Overall Loan Grade
|
Initial S&P Credit Loan Grade
|
Final S&P Credit Loan Grade
|
Initial S&P Property Valuations Loan Grade
|
Final S&P Property Valuations Loan Grade
|
Initial S&P Compliance Loan Grade
|
Final S&P Compliance Loan Grade
|
Did Lender Acknowledge Exception at Origination
|
|
409039517
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
Not Applicable
|
|
409040366
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409041553
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409043434
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
B
|
C
|
B
|
D
|
A
|
D
|
B
|
Yes
|
|
409046385
|
XXXXXX
|
XXXXXX
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
B
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409046983
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409049397
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409049754
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
Not Applicable
|
|
409049938
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409050005
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
No
|
|
409050117
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
No
|
|
409050308
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409050325
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409050336
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409050345
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409050379
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Yes
|
|
409050413
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409050784
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409050794
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050967
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409050969
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
No
|
|
409051057
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Yes
|
|
409051148
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409051168
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051174
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051204
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051209
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409051231
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051250
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409051267
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051291
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051300
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051600
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Not Applicable
|
|
409051604
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051705
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409051727
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409051815
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051828
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409051999
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409052023
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409052046
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
No
|
|
409052328
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409052380
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409052382
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409052396
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Yes
|
|
409052496
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
Not Applicable
|
|
409052510
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409052562
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Yes
|
|
409052577
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409052648
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409052893
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
No
|
|
409052928
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053013
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053029
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409053122
|
XXXXXX
|
XXXXXX
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053125
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409053135
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053143
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053145
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053186
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053240
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053355
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
Not Applicable
|
|
409053378
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
No
|
|
409053405
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053435
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
B
|
A
|
A
|
C
|
B
|
No
|
|
409053513
|
XXXXXX
|
XXXXXX
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409053526
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409053533
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053543
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409053556
|
XXXXXX
|
XXXXXX
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
No
|
|
409053853
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053866
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409053876
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053881
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409053893
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409053904
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053931
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053933
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
No
|
|
409053939
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409053957
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409053965
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409053987
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409054017
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Yes
|
|
409054018
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409054051
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409054053
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409054070
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054079
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054082
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054107
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409054283
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409054288
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054289
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409054293
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409054315
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
B
|
C
|
B
|
Not Applicable
|
|
409054323
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054335
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054534
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054545
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409054550
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409054556
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409054569
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054578
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054599
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409054608
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409054610
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054613
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054625
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409054670
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409054674
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
B
|
B
|
No
|
|
409054708
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055108
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409055109
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055114
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055117
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409055148
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
Not Applicable
|
|
409055152
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409055155
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409055181
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
Yes
|
|
409055182
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409055195
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055197
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055206
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409055207
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055303
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409055326
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055328
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055329
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055334
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409055355
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055357
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055364
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055378
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055379
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
Yes
|
|
409055381
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055392
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055410
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055705
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055714
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409055737
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055738
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055753
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
B
|
A
|
No
|
|
409055762
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409055763
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409055765
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409055773
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409055800
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409055824
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409055825
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
No
|
|
409055826
|
XXXXXX
|
XXXXXX
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056120
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409056167
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409056169
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056173
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409056175
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056177
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409056191
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409056196
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056197
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409056205
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056254
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056269
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409056346
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409056351
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056361
|
XXXXXX
|
XXXXXX
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
C
|
A
|
A
|
A
|
D
|
B
|
No
|
|
409056371
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056436
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056439
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056445
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056459
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
D
|
B
|
A
|
A
|
D
|
A
|
C
|
B
|
No
|
|
409056476
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056485
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056488
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056489
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409056491
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409056550
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056587
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409056592
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056612
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409056836
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409056841
|
XXXXXX
|
XXXXXX
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Not Applicable
|
|
409056842
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409056846
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409056880
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056881
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409056884
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409056885
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056886
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056887
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056888
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056891
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
D
|
B
|
D
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409056896
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056897
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409056902
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056914
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409056929
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056935
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
Not Applicable
|
|
409056936
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056949
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409056955
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056957
|
XXXXXX
|
XXXXXX
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
D
|
B
|
A
|
A
|
A
|
A
|
D
|
B
|
Not Applicable
|
|
409056964
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409056970
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056975
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409056978
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056987
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409056997
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057002
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409057003
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057035
|
XXXXXX
|
XXXXXX
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
No
|
|
409057287
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409057288
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
No
|
|
409057290
|
XXXXXX
|
XXXXXX
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057298
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409057316
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409058446
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
Not Applicable
|
|
409061145
|
XXXXXX
|
XXXXXX
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
No
|
|
409061426
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
C
|
A
|
C
|
B
|
No
|
|
409061429
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
No
|
|
409061435
|
XXXXXX
|
XXXXXX
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Not Applicable
|
|
409061437
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409061449
|
XXXXXX
|
XXXXXX
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
D
|
D
|
Not Applicable
|
|
409061455
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409061506
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409061645
|
XXXXXX
|
XXXXXX
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
C
|
B
|
Not Applicable
|
|
409061667
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
No
|
|
409061688
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409061827
|
XXXXXX
|
XXXXXX
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
C
|
B
|
D
|
A
|
Not Applicable
|
|
409061909
|
XXXXXX
|
XXXXXX
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Not Applicable
|
|
409061913
|
XXXXXX
|
XXXXXX
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Not Applicable
|
|
409061917
|
XXXXXX
|
XXXXXX
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Not Applicable
|
|
409061920
|
XXXXXX
|
XXXXXX
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
A
|
Not Applicable
|
|
409061925
|
XXXXXX
|
XXXXXX
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409061948
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409061964
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409061968
|
XXXXXX
|
XXXXXX
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Not Applicable
|
|
409062086
|
XXXXXX
|
XXXXXX
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409062125
|
XXXXXX
|
XXXXXX
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Yes
|
|
409062131
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409062136
|
XXXXXX
|
XXXXXX
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
D
|
D
|
C
|
C
|
A
|
A
|
D
|
D
|
No
|
|
409062165
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409062167
|
XXXXXX
|
XXXXXX
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
D
|
D
|
A
|
A
|
Not Applicable
|
|
409062177
|
XXXXXX
|
XXXXXX
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
C
|
C
|
Not Applicable
|
|
409062178
|
XXXXXX
|
XXXXXX
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
D
|
A
|
A
|
A
|
A
|
A
|
D
|
A
|
Not Applicable
|
|
409062182
|
XXXXXX
|
XXXXXX
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409062214
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
No
|
|
409062320
|
XXXXXX
|
XXXXXX
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
A
|
No
|
|
409062351
|
XXXXXX
|
XXXXXX
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409062373
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409062540
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409062585
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409062679
|
XXXXXX
|
XXXXXX
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Not Applicable
|
|
409064175
|
XXXXXX
|
XXXXXX
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Not Applicable
|