|
LOAN INFORMATION
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INITIAL CREDIT LOAN GRADES
|
INITIAL COMPLIANCE LOAN GRADES
|
INITIAL PROPERTY LOAN GRADES
|
INITIAL OVERALL LOAN GRADES
|
FINAL CREDIT LOAN GRADES
|
FINAL COMPLIANCE LOAN GRADES
|
FINAL PROPERTY LOAN GRADES
|
FINAL OVERALL LOAN GRADES
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|||||||||||||||||||||||||||||||||||||||||||||
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AMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Deal Number
|
Original Loan Amount
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
DBRS
|
Fitch
|
Kroll
|
Moody's
|
S&P
|
Morningstar
|
|
xxxx
|
1
|
xxxx
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
B
|
B
|
B
|
B
|
B
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
5
|
xxxx
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
||||||||||
|
xxxx
|
6
|
xxxx
|
xxxx
|
B
|
B
|
B
|
B
|
B
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
7
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
|
A
|
A
|
A
|
|||||||||||
|
xxxx
|
8
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
|||||||||||
|
xxxx
|
9
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
|
A
|
A
|
A
|
|||||||||||
|
xxxx
|
10
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||||||||||
|
xxxx
|
11
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
A
|
|||||||||||
|
xxxx
|
12
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
||||||||||
|
xxxx
|
13
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
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A
|
A
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A
|
A
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
A
|
A
|
||||||||||
|
xxxx
|
14
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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A
|
A
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A
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A
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A
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A
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A
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A
|
A
|
A
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A
|
||||||||||
|
xxxx
|
15
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
D
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
16
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
17
|
xxxx
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
||||||||||
|
xxxx
|
18
|
xxxx
|
xxxx
|
A
|
A
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A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
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A
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A
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B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
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A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
|
||||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
A
|
A
|
A
|
A
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A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
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A
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A
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A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
A
|
B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
21
|
xxxx
|
xxxx
|
A
|
A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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A
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||||||||||
|
xxxx
|
22
|
xxxx
|
xxxx
|
A
|
A
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A
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A
|
A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
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A
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A
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A
|
C
|
C
|
C
|
C
|
C
|
A
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A
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A
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A
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A
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A
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A
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A
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|
||||||||||
|
xxxx
|
23
|
xxxx
|
xxxx
|
A
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A
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A
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A
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A
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A
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|
||||||||||
|
xxxx
|
24
|
xxxx
|
xxxx
|
A
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A
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A
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A
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A
|
B
|
B
|
B
|
B
|
B
|
A
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B
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B
|
B
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B
|
B
|
A
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A
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A
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A
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B
|
B
|
B
|
B
|
B
|
A
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A
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B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
25
|
xxxx
|
xxxx
|
A
|
A
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A
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A
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A
|
B
|
B
|
B
|
B
|
B
|
A
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A
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|
A
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B
|
A
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A
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B
|
B
|
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|
B
|
B
|
||||||||||
|
xxxx
|
26
|
xxxx
|
xxxx
|
A
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A
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A
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A
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A
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B
|
B
|
B
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B
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B
|
A
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A
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A
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A
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B
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B
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B
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B
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B
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A
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A
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A
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A
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A
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B
|
B
|
B
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B
|
B
|
A
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A
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A
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A
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A
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B
|
B
|
B
|
B
|
B
|
||||||||||
|
xxxx
|
27
|
xxxx
|
xxxx
|
A
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A
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A
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A
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A
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A
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A
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A
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||||||||||
|
xxxx
|
28
|
xxxx
|
xxxx
|
A
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A
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A
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A
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A
|
C
|
C
|
C
|
C
|
C
|
A
|
A
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|
C
|
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|
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|
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|
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|
A
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|
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|
59
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|
60
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61
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|
62
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|||||||||||
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|
63
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||||||||||
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|
64
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65
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|
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|
66
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|
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|
67
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|
68
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|||||||||||
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|
69
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|
70
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|||||||||||
|
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|
71
|
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|
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|
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|
72
|
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|
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|||||||||||
|
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|
73
|
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|
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|
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|
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|
74
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|
75
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|
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|
76
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|
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|
77
|
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|
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|
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|
78
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|
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|
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|
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|
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|
79
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
80
|
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|
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|
|||||||||||
|
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|
81
|
xxxx
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
|||||||||||
|
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|
82
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
|||||||||||
|
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|
83
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
|||||||||||
|
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|
84
|
xxxx
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
A
|
A
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
|||||||||||
|
xxxx
|
85
|
xxxx
|
A
|
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|
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|
A
|
A
|
A
|
A
|
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|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
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|
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|
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|
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|
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|
A
|
A
|
|||||||||||
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Loan Exception ID
|
Exception ID
|
Exception Date
|
Exception Type
|
Exception Category
|
Exception Subcategory
|
15E Category
|
Exception
|
Exception Detail
|
Exception Information
|
Compensating Factors
|
Compensating Factor Information
|
Applying Party
|
Follow-up Comments
|
Cleared Date
|
Cured Date
|
Waived Date
|
Waived with Regrade
|
Exception Level Grade
|
DBRS Initial Exception Rating
|
DBRS Final Exception Rating
|
Fitch Initial Exception Rating
|
Fitch Final Exception Rating
|
Kroll Initial Exception Rating
|
Kroll Final Exception Rating
|
Moody's Initial Exception Rating
|
Moody's Final Exception Rating
|
S&P Initial Exception Rating
|
S&P Final Exception Rating
|
Note Date
|
Property State
|
Occupancy
|
Purpose
|
Exception Remediation
|
Overall
Initial Loan Grade
|
Overall
Final Loan Grade
|
Credit
Initial Loan Grade
|
Credit
Final Loan Grade
|
Compliance
Initial Loan Grade
|
Compliance
Final Loan Grade
|
Property
Initial Loan Grade
|
Property
Final Loan Grade
|
Originator QM ATR Status
|
TPR QM ATR Status
|
Is Curable
|
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian
|
11/26/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MI
|
Primary
|
Refinance - Limited Cash-out GSE
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Title
|
General
|
Title
|
Title Policy Coverage is less than Original Loan Amount.
|
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
|
The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file.
|
11/21/2025
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
MI
|
Primary
|
Refinance - Limited Cash-out GSE
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Income / Employment
|
Income Documentation
|
Missing Document
|
REO Documents are missing.
|
- ___
|
The file is missing a copy of HOA document.
|
Reviewer Comment (2025-12-04): Received revised Tax Cert. Exception Cleared.
Seller Comment (2025-12-03): [redacted] [redacted]: You did not calculate the taxes correctly which is the cause of the discrepancy. Taxes are $[redacted]
per month. $[redacted] + $[redacted] / [redacted] = $[redacted]
Reviewer Comment (2025-11-28): As per final [redacted] total expenses is $[redacted] however verified only $[redacted]. Required supporting documents to
verify remaining $[redacted] or revised [redacted] to clear this condition. Exception Remains.
Seller Comment (2025-11-25): [redacted] [redacted]: There are no indication of HOA dues on this REO.
|
12/04/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
MI
|
Primary
|
Refinance - Limited Cash-out GSE
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2025-11-21): Sufficient Cure Provided At Closing
|
11/21/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MI
|
Primary
|
Refinance - Limited Cash-out GSE
|
Final CD evidences Cure
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
1
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine
compliance with appraisal timing requirements.
|
Appraiser initiated valuation on [redacted], receipt of appraisal [redacted] and official reported on [redacted].
|
11/21/2025
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
MI
|
Primary
|
Refinance - Limited Cash-out GSE
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian
|
10/24/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2025-10-28): Waived on Rate Lock: Collateral cleared by Custodian
|
10/28/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian
|
11/27/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CO
|
Primary
|
Refinance - Rate/Term
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Title
|
General
|
Title
|
Title Policy Coverage is less than Original Loan Amount.
|
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
|
Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount.
|
11/25/2025
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CO
|
Primary
|
Refinance - Rate/Term
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of
$[redacted]. Insufficient or no cure was provided to the borrower.
|
Lender Credits was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for
this fee, nor evidence of cure in file.
|
Reviewer Comment (2025-11-28): [redacted] received a valid COC.
Seller Comment (2025-11-26): Lock Confirmations. Redisclosures. and Change in Circumstance.
Seller Comment (2025-11-26): On [redacted] the loan was lock with a pricing for the rate at -[redacted]% or -$[redacted]. On [redacted] there change in
circumstance to decrease the appraised value which caused the LTV to increase. This in turn, added LTV price adjustors causing the cost for the rate to increase from a credit to a charge of [redacted]% or $[redacted]. On [redacted] there
was a [redacted]-day lock extension added to the file. This caused the pricing to increase to [redacted]% or $[redacted]. There was second lock extension added on [redacted] causing the final pricing for the rate to be [redacted]% or
$[redacted]. On wholesale loan lock actions are acceptable changes in circumstances. All adjustments in pricing where redisclosed to the borrower on the same day. Please see the attached Lock Confirmations. Redisclosures. and Change in
Circumstance.
|
11/28/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CO
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
$[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. There was a lender credit of $[redacted]
to cover the cost to cure.
|
Reviewer Comment (2025-11-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD)
resulting in a cleared exception.
Seller Comment (2025-11-26): Please see the attached tolerance cure breakdown and final CD which shows the borrower was provided a credit at closing for
the increase in the appraisal fee.
|
11/28/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CO
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2025-11-28): Sufficient Cure Provided At Closing
|
11/28/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
CO
|
Primary
|
Refinance - Rate/Term
|
Final CD evidences Cure
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||||||||
|
xxxx
|
5
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian
|
12/05/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
NC
|
Second Home
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
5
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Second Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC
for this fee, nor evidence of cure in file.
|
Reviewer Comment (2026-01-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD)
resulting in a cleared exception.
Seller Comment (2026-01-02): PCCD attached matching amounts to final Settlement statement.
Reviewer Comment (2025-12-15): [redacted] Lender Credit and Lender Cure are different amounts. Provided lender Credit $[redacted] cannot be consider as
lender cure as Cure amount is not mentioned under section [redacted] inner column. If Lender credit $[redacted] is provided for exceeding Second Appraisal fee than provide Corrected PCCD and LOE updated with $[redacted] under section
[redacted] inner column.
Seller Comment (2025-12-12): Lender credit was applied at close. No PCCD is required if cure was provided at close. Please clear
Reviewer Comment (2025-12-11): [redacted] received rebuttal, however if credit was provided towards cure. Corrected PCCD updating the cure amount of
$[redacted] on inner column of sec [redacted] along with LOE and true & certified copy of final settlement statement is required.
Seller Comment (2025-12-10): 2nd appraisal amount was balanced out with a lender credit on the final CD. Sufficient cure amount provided to borrower at
close. Please clear.
Reviewer Comment (2025-12-05): [redacted] received updated LE and COC dated [redacted], but it does not give sufficient information on what new
information was received that required to add the additional appraisal fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee added and when lender became aware of the change. A
valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
Seller Comment (2025-12-04): COC attached
|
01/05/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
NC
|
Second Home
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
5
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: AUS not provided
|
The file is missing the DU approval, required by the guides. The file contained an LP approval which is not acceptable. Note: the DU can be
Approve/Eligible or Approve/Ineligible for the loan amount only.
|
Reviewer Comment (2025-12-08): Received AUS. Exception Cleared.
Seller Comment (2025-12-08): Attached
|
12/08/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
NC
|
Second Home
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
5
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Asset
|
Asset Documentation
|
Asset
|
Guideline Issue:Insufficient asset documentation.
|
The file is missing the statement from [redacted]-[redacted] for account xx[redacted].
|
Reviewer Comment (2025-12-18): Received bank statement. Exception Cleared.
Seller Comment (2025-12-17): Attached
Reviewer Comment (2025-12-11): The guidelines defer to the [redacted] Selling guide and for a purchase transaction, the statements must cover the most
recent full two-month period of account activity ([redacted] days, or, if account information is reported on a quarterly basis, the most recent quarter). Currently income was only verified for the most recent [redacted] days. The
condition is valid and remains open.
Seller Comment (2025-12-10): Guideline does not require [redacted] most recent month's statements, just consecutive statements, which have been provided.
Please clear
Reviewer Comment (2025-12-10): The guidelines require [redacted] months consecutive statements to use the assets for qualification. Additional copies of
the statements with end dates of [redacted], [redacted], and [redacted]. The initial file also contained a statement with an end date of [redacted]. In order to have [redacted] months consecutive statements, the statement with the end
date of [redacted] is required. Condition remains
Seller Comment (2025-12-08): [redacted] months attached
Reviewer Comment (2025-12-08): As per guideline required [redacted] months consecutive bank statements. Required bank statement from [redacted]-[redacted]
for account [redacted] to clear this condition. Exception Remains.
Seller Comment (2025-12-04): AUS does not call for most recent month's statement. [redacted] consecutive months' statements prior to [redacted] provided.
Please clear.
|
12/18/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
NC
|
Second Home
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
6
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-01-23): Waived on Rate Lock: Collateral cleared by Custodian
|
01/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Refinance - Cash-out - Other
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
6
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Title
|
Document Error
|
Title
|
The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to
determine if appropriate coverage is provided.
|
The preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount(no final title policy in file). Unable to determine
if appropriate coverage is provided.
|
12/23/2025
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CA
|
Primary
|
Refinance - Cash-out - Other
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
6
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Closing Disclosure Timing without Waiver
|
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
|
Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing
|
Reviewer Comment (2025-12-28): [redacted] received [redacted] CD received [redacted] business days prior to consummation.
Seller Comment (2025-12-26): [redacted]: Please see the attached //
|
12/28/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Refinance - Cash-out - Other
|
No Defined Cure
|
C
|
B
|
B
|
B
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
7
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of
$[redacted]. Insufficient or no cure was provided to the borrower.
|
Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was
provided to the borrower.
|
Reviewer Comment (2025-12-15): [redacted] received valid COC dated [redacted]
Seller Comment (2025-12-12): Explanation from the lock desk .
Reviewer Comment (2025-12-09): [redacted] received rebuttal comment and as per LEs in the file. The points were removed on revised LE dated [redacted] but
the LE provided is manually updated and rate lock agreement in file also manually updated. Please provide a detailed LOE explaining the reason for change in pricing and reason why the LE was manually updated also provide supporting
documents to validate change in loan pricing for further review this exception.
Seller Comment (2025-12-08): The initial LE disclosed [redacted]% in points ($[redacted]) on [redacted] and then a revised LE on [redacted] removing the
points. Loan amount and rate didn't change and we agree the COC did not sufficiently document this, however this was a betterment to the borrower so we are not sure what we would do at this point to [redacted] this error.
Please let us know what you would like for us to do.
|
12/15/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
FL
|
Second Home
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
8
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Self-Employed Tax Return Recency - QM
|
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent
Tax Return End Date [redacted], Tax Return Due Date [redacted].
|
Personal and business tax return for [redacted] is missing
|
12/01/2025
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
GA
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
8
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Self-Employed Tax Return Recency - QM
|
General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent
Tax Return End Date [redacted], Tax Return Due Date [redacted].
|
Personal and business tax return for [redacted] is missing
|
12/01/2025
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
GA
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
8
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
$[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
The Credit Report Fee changed to $[redacted] on the CD dated [redacted]. A valid change of circumstance was not provided for fee change. The cure provided
at closing ($[redacted]) is insufficient to resolve all tolerance violation.
|
Reviewer Comment (2025-12-10): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD)
resulting in a cleared exception.
Seller Comment (2025-12-09): See closer's comments attached.
Seller Comment (2025-12-09): Per the closer she doesn't see that either of these are needed. See her comments attached.
|
12/10/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
GA
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
8
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2025-12-10): Sufficient Cure Provided At Closing
|
12/10/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
GA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||||||||
|
xxxx
|
9
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Credit report Fee was disclosed on initial Loan estimate as $[redacted] but disclosed on final Closing Disclosure $[redacted]. File does not contain a
valid COC for this fee, nor evidence of cure is provided in file.
|
Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing
|
11/24/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
GA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
10
|
xxxx
|
xxxx
|
Property
|
Property - Appraisal
|
Appraisal Documentation
|
Property - Appraisal
|
Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted]
|
Note Date: ___; Lien Position: ___
|
Reviewer Comment (2025-12-16): Exception cleared.
Seller Comment (2025-12-12): Second appraisal was not required, attached is the C3[redacted] review.
|
12/16/2025
|
No
|
1
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
GA
|
Primary
|
Purchase
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
10
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing
|
11/24/2025
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
GA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||||
|
xxxx
|
10
|
xxxx
|
xxxx
|
Credit
|
Insurance
|
Insurance Documentation
|
Insurance
|
Missing Document: Mortgage Insurance Certificate (MIC) not provided
|
Missing PMI Certificate reflecting establishment of lender-paid MI.
|
Reviewer Comment (2025-12-16): MI is Lender Paid.
Seller Comment (2025-12-12): This was a portfolio doctor loan, no MI was required per our guidelines.
|
12/16/2025
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
GA
|
Primary
|
Purchase
|
D
|
A
|
C
|
A
|
A
|
A
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
12
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-11): Tracking Number [redacted]
|
03/12/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TN
|
Second Home
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
13
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian
|
02/16/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
14
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-02-24): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-02-20): (Rate Lock) proof of delivery/tracking
|
02/24/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Purchase
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
14
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Closing Disclosure Timing without Waiver Test
|
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
|
Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
|
Reviewer Comment (2026-02-24): [redacted] received [redacted] CD received [redacted] business days prior to consummation.
Seller Comment (2026-02-24): (Rate Lock) although the ICD is missing the issue date on page [redacted], we have the attached Docusign Summary which shows
that the ICD was sent on [redacted], which would be the issue date. Please clear this condition. Thanks!
Reviewer Comment (2026-02-22): [redacted] received CD without issue date. Kindly provide initial CD three days prior to closing date in order to clear the
exception.
Seller Comment (2026-02-20): (Rate Lock) ICD was sent within required timeframe before closing
|
02/24/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
FL
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
15
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-02-12): (Rate Lock) original collateral sent [redacted] via [redacted]
|
02/16/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
15
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation.
|
02/09/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
15
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
State Compliance
|
State Defect
|
(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender)
|
[redacted] Constitution Section [redacted](a)([redacted]): Acknowledgment of the Fair Market Value not properly executed by the Lender.
|
Acknowledgment of the Fair Market Value not properly executed by the Lender.
|
Reviewer Comment (2026-02-12): Disclosure executed by the lender was provided.
Seller Comment (2026-02-12): (Rate Lock) signed [redacted] disclosure
|
02/12/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
D
|
A
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an
executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the
original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required,
and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required.
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
15
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit.
Insufficient or no cure was provided to the borrower.
|
Reviewer Comment (2026-02-12): Valid COC provided
Seller Comment (2026-02-12): (Rate Lock) COC provided with initial upload
|
02/12/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
D
|
B
|
A
|
A
|
D
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
16
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-02-23): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-02-19): Tracking Number [redacted]
|
02/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
16
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Verification appraisal was delivered to borrower was not provided.
|
02/18/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
16
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-02-17): Sufficient Cure Provided At Closing
|
02/17/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
17
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-02-26): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-02-24): Tracking Number [redacted]
|
02/26/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
NJ
|
Primary
|
Refinance - Rate/Term
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
17
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] not provided
|
Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] document not provided
|
Reviewer Comment (2026-02-25): Received and associated [redacted]. Exception cleared.
Seller Comment (2026-02-24): [redacted]
|
02/25/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
NJ
|
Primary
|
Refinance - Rate/Term
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
18
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-02-13): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-02-11): (Rate Lock) [redacted]
|
02/13/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Refinance - Cash-out - Other
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
18
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Verification appraisal was delivered to borrower was not provided.
|
02/10/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
FL
|
Primary
|
Refinance - Cash-out - Other
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
18
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-02-10): Sufficient Cure Provided At Closing
|
02/10/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Refinance - Cash-out - Other
|
Final CD evidences Cure
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian
|
03/20/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
AL
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Guideline
|
Guideline Issue
|
Guideline
|
Guidelines require one year Tax Transcript ([redacted]) when a [redacted] personal tax return was used to qualify. File contains no [redacted] transcript.
|
Reviewer Comment (2026-04-09): Transcripts provided
Seller Comment (2026-04-08): (Rate Lock) Tax transcripts
|
04/09/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AL
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM
(APOR) Risk.
|
Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk.
|
Reviewer Comment (2026-04-13): Received Bank Statements. Exception Cleared.
Reviewer Comment (2026-04-09): Condition will be cleared when all QM and guideline conditions are cleared.
Seller Comment (2026-04-08): (Rate Lock) Compliance report passing ATR/QM
|
04/13/2026
|
No
|
1
|
B
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
B
|
A
|
AL
|
Primary
|
Purchase
|
Lender to provide updated ATR/QM status
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
|
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
|
Based on the loan failing one or more guideline components, the loan is at QM risk.
|
Reviewer Comment (2026-04-13): Received Bank Statements. Exception Cleared.
|
04/13/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AL
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Credit
|
AUS Discrepancy / Guidelines Discrepancy
|
Guideline
|
Guideline Requirement: PITIA reserves months discrepancy.
|
PITIA reserves months discrepancy.
|
Reviewer Comment (2026-04-13): Received Bank Statements. Exception Cleared.
Seller Comment (2026-04-10): (Rate Lock) EMD transfers on [redacted].
Reviewer Comment (2026-04-10): Missing documentation to verify source of funds and receipt of funds for EMD in the amount of $[redacted].
Reviewer Comment (2026-04-09): Received email explaining about EMD. Please provide bank statement showing the source of deposit for EMD. To use the
business funds statements for the Business account are not the most recent. Exception remains
Seller Comment (2026-04-08): (Rate Lock) EMD receipt
Reviewer Comment (2026-03-19): Statements for the Business account are not the most recent.
|
04/13/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AL
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-02-24): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-02-20): (Rate Lock) [redacted]
|
02/24/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Verification appraisal was delivered to borrower was not provided.
|
02/19/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
FL
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Closing Disclosure Timing without Waiver Test
|
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
|
Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
|
Reviewer Comment (2026-02-24): [redacted] received copy of complete initial CD dated [redacted].
Seller Comment (2026-02-23): (Rate Lock) cd
Reviewer Comment (2026-02-23): [redacted] received CD dated [redacted] with incomplete closing date. Therefore, kindly provide complete copy of initial CD
along with closing date mentioned on it in order to clear the exception.
Seller Comment (2026-02-20): (Rate Lock) how do we clear this.. it was signed on the [redacted]th
|
02/24/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
FL
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-02-19): Sufficient Cure Provided At Closing
|
02/19/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-02-19): Sufficient Cure Provided At Closing
|
02/19/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
21
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-06): Waived on Rate Lock: Collateral cleared by Custodian
|
03/06/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ID
|
Primary
|
Refinance - Cash-out - Other
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
21
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Sufficient cure was provided
|
Reviewer Comment (2026-03-03): Sufficient Cure Provided At Closing
|
03/03/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ID
|
Primary
|
Refinance - Cash-out - Other
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
21
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Sufficient cure was provided
|
Reviewer Comment (2026-03-03): Sufficient Cure Provided At Closing
|
03/03/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
ID
|
Primary
|
Refinance - Cash-out - Other
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
22
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-30): Waived on Rate Lock: Collateral cleared by Custodian
|
03/30/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
SC
|
Second Home
|
Purchase
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
22
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent Only). Fee Amount of $[redacted] exceeds
tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Title - Attorney's Fee (Closing Agent Only) was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does
not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to
the borrower disclosing the changes made.
|
Reviewer Comment (2026-03-20): [redacted] the fee is within tolerance limit.
Seller Comment (2026-03-19): (Rate Lock) LOX for atty fees
|
03/20/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
SC
|
Second Home
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
23
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian
|
03/12/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MN
|
Second Home
|
Refinance - Cash-out - Other
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
23
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was
provided to the borrower at Closing
|
Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing
|
03/09/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MN
|
Second Home
|
Refinance - Cash-out - Other
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
23
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was
provided to the borrower at Closing
|
Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing
|
03/09/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MN
|
Second Home
|
Refinance - Cash-out - Other
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
24
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-17): Tracking Number [redacted]
|
03/19/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
VA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
24
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine
compliance with appraisal timing requirements.
|
03/12/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
VA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
24
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing
|
03/11/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
VA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
25
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-20): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-19): Tracking Number [redacted]
|
03/20/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
WA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
25
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine
compliance with appraisal timing requirements.
|
03/16/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
WA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
26
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-24): (Rate Lock) Tracking # for Note [redacted] [redacted]
|
03/25/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
GA
|
Second Home
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
26
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Verification appraisal was delivered to borrower was not provided.
|
03/19/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
GA
|
Second Home
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
27
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-12): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-10): (Rate Lock) Note was delivered today, [redacted], via [redacted] tracking #[redacted]
|
03/12/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
UT
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
28
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian
|
03/25/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
IN
|
Primary
|
Purchase
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
28
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
$[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit.
Insufficient or no cure was provided to the borrower.
|
Reviewer Comment (2026-03-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD)
resulting in a cleared exception.
Seller Comment (2026-03-20): [redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was
provided a credit at closing for the increase in the Appraisal Fee.
|
03/23/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
IN
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
28
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-03-24): Sufficient Cure Provided At Closing
|
03/24/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
IN
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||||||||
|
xxxx
|
29
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-11): Waived on Rate Lock: Collateral cleared by Custodian
|
03/11/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CO
|
Primary
|
Purchase
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
29
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Revised Loan Estimate Timing Before Closing
|
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to
closing.
|
Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing.
|
Reviewer Comment (2026-03-11): [redacted] received disclosure summary for revised LE.
Seller Comment (2026-03-10): Please see the attached TRID Disclosure History which shows the borrower received and consented to the the [redacted] LE on
[redacted] which meets the [redacted] business days before closing with the closing date of [redacted]
|
03/11/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CO
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
30
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-10): Waived on Rate Lock: Collateral cleared by Custodian
|
04/10/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
UT
|
Second Home
|
Refinance - Rate/Term
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
30
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-07): Sufficient Cure Provided At Closing
|
04/07/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
UT
|
Second Home
|
Refinance - Rate/Term
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
30
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing
|
04/08/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
UT
|
Second Home
|
Refinance - Rate/Term
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
31
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian
|
04/09/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
NC
|
Second Home
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
32
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-26): Waived on Rate Lock: Collateral cleared by Custodian
|
03/26/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
AZ
|
Primary
|
Purchase
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
32
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Title
|
General
|
Title
|
Title Policy Coverage is less than Original Loan Amount.
|
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
|
The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file.
|
03/24/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
AZ
|
Primary
|
Purchase
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
33
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-24): (Rate Lock) Tracking # for Note [redacted] [redacted]
|
03/25/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TN
|
Second Home
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-15): Waived on Rate Lock: Collateral cleared by Custodian
|
04/15/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: AUS not provided
|
AUS not provided.
|
Reviewer Comment (2026-04-21): Received and associated AUS. Exception cleared
Seller Comment (2026-04-21): [redacted]: Please see the attached document. I've provided the most recent AUS run.
|
04/21/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
Fraud Report not provided.
|
Reviewer Comment (2026-04-21): Received and associated Fraud Report. Exception cleared
Seller Comment (2026-04-21): [redacted]: please see the attached documentation. I've provided the fraud report with the file.
|
04/21/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Loan Package Documentation
|
Closing / Title
|
Missing, Incorrect, or Incomplete Note
|
Missing Document: Note - Subject Lien not provided
|
Note - Subject Lien not provided.
|
Reviewer Comment (2026-04-21): Received Note - Subject Lien. Exception cleared
Seller Comment (2026-04-21): [redacted]: Please see the attached documentation. I've attached the final note for the subject property.
|
04/21/2026
|
No
|
1
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Closing / Title
|
Missing Document
|
Missing Document: Security Instrument - Subject Lien not provided
|
Security Instrument - Subject Lien not provided.
|
Reviewer Comment (2026-04-14): Deed of Trust provided
Seller Comment (2026-04-14): Please see attached Security Instrument
|
04/14/2026
|
No
|
1
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Verification appraisal delivered to borrower was not provided.
|
04/13/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Settlement Service Provider Status
|
TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.
|
Borrower was not provided with a list of service providers.
|
Reviewer Comment (2026-04-28): [redacted] received updated Settlement Service Provider List.
|
04/28/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
No Defined Cure
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or
$[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
[redacted]% tolerance was exceeded by $[redacted] due to an increase in Title - Document Prep. Fee, Title - Endorsement Fee, Title - Settlement Fee, Title
- Courier Fee, and Title - Reconveyance Fee. No valid COC was provided, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of the refund check, proof of
delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
|
Reviewer Comment (2026-04-28): [redacted] received updated SSPL, the consumer was shopped for the services, and the fees are within that tolerance limit.
Seller Comment (2026-04-27): [redacted] Please see attached Service Provide List that was provided in the initial disclosure package
Reviewer Comment (2026-04-24): [redacted] File is missing SSPL in order to verify borrower shopped for title services. Provide copy of SSPL dated within
[redacted] days of the application. Exception will be re-reviewed once SSPL received in file.
Seller Comment (2026-04-23): [redacted] Disagree - All title fees are not subject to tolerance as the borrower choose a title service provider that was
not on the SPL. TRID [redacted] clarified in the Commentary to TILA [redacted] that this is true even if a fee was omitted from the initial LE.
|
04/28/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Verification of Employment Fee was not disclosed on the Loan Estimate. The file does not contain a valid COC for this fee, nor evidence of cure. Provide a
post-close Closing Disclosure disclosing the tolerance cure to include $[redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
|
Reviewer Comment (2026-04-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD)
resulting in a cleared exception.
Seller Comment (2026-04-23): [redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was
provided a credit at closing for the increase in the Verification of Employment Fee
|
04/24/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Asset
|
Asset Calculation / Analysis
|
Asset
|
Available for Closing is insufficient to cover Cash From Borrower.
|
Documented qualifying assets for closing of $[redacted] is less than cash from borrower of $[redacted].
|
Reviewer Comment (2026-04-21): Received Bank Statements. Exception cleared
Seller Comment (2026-04-21): [redacted]: Please see the attached documentation. I've provided the borrowers [redacted] statement for [redacted] and
[redacted]. The account has total funds in the amount of $[redacted]. Including this account in the available funds meets the required cash to close for our borrower.
|
04/21/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Property
|
Property - Appraisal
|
Appraisal Documentation
|
Property - Appraisal
|
Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted]
|
The file is missing a copy of the secondary valuation required for securitization purposes.
|
Reviewer Comment (2026-04-21): Received and associated CDA. Exception cleared
Seller Comment (2026-04-21): [redacted]: Please see the attached documentation. I've provided the secondary valuation for the subject property.
|
04/21/2026
|
No
|
1
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
D
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Credit
|
Credit Documentation
|
Credit
|
No evidence of fraud report in file
|
-
|
Fraud Report not provided.
|
Reviewer Comment (2026-04-21): Received and associated Fraud Report. Exception cleared
Seller Comment (2026-04-21): [redacted]: please see the attached documentation. I've provided the fraud report with the file.
|
04/21/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Credit
|
Credit Documentation
|
Credit
|
No evidence of fraud report in file
|
-
|
Fraud Report not provided.
|
Reviewer Comment (2026-04-24): Fraud report received
Seller Comment (2026-04-23): [redacted]: please see the attached documentation. I've provided the fraud report to the file.
|
04/24/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Hazard Insurance
|
Insufficient Coverage
|
Hazard Insurance
|
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
|
HOI coverage is insufficient by $[redacted]. Provide an updated policy reflecting minimum coverage of $[redacted] OR provide a copy of the insurer's
replacement cost estimate supporting the current coverage amount.
|
Reviewer Comment (2026-04-21): Received and associated Replacement Cost Estimator. Exception cleared
Seller Comment (2026-04-21): [redacted]: Please see the attached documentation. The HOI verbiage supports replacement cost coverage of the insured
property. Additionally, I attached the replacement cost estimator for the subject property
|
04/21/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Revised Loan Estimate Timing Before Closing Test
|
TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to
closing.
|
Revised Loan Estimate provided on [redacted] was not received by the borrower at least [redacted] business days prior to closing.
|
Reviewer Comment (2026-04-24): [redacted] received Disclosure summary showing LE dated [redacted] received by borrower on [redacted].
Seller Comment (2026-04-23): [redacted] Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the
initial Loan Estimate on [redacted] and consented to it on [redacted]. This meets the [redacted] business day cool off before the closing date of [redacted].
|
04/24/2026
|
No
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
TX
|
Primary
|
Purchase
|
No Defined Cure
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-28): Sufficient Cure Provided At Closing
|
04/28/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
Final CD evidences Cure
|
D
|
B
|
D
|
A
|
D
|
B
|
D
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||||||||
|
xxxx
|
35
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-25): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-24): (Rate Lock) Tracking for Note [redacted][redacted]
|
03/25/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
35
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Hazard Insurance
|
Insufficient Coverage
|
Hazard Insurance
|
The Hazard Insurance Policy effective date is after the funds disbursed.
|
Hazard Insurance Policy Effective Date [redacted]; Disbursement Date: [redacted]; Note Date: [redacted]; Transaction Date: [redacted]
|
Reviewer Comment (2026-03-23): HOI received.
Seller Comment (2026-03-20): (Rate Lock) HOI
Seller Comment (2026-03-20): (Rate Lock) HOI policy period [redacted].[redacted] to [redacted].[redacted]
|
03/23/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
35
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
$[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit.
Insufficient or no cure was provided to the borrower.
|
Reviewer Comment (2026-03-25): [redacted] received a valid COC.
Seller Comment (2026-03-24): (Rate Lock) LOX
Reviewer Comment (2026-03-23): [redacted] received COC stating "complexity" however we required the reason as to what caused the property to be complex
.Kindly provide detail reason for complexity in order to clear the exception.
Seller Comment (2026-03-20): (Rate Lock) LE [redacted].[redacted] with COC
|
03/25/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AZ
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
35
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower.
|
Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit.
Insufficient or no cure was provided to the borrower.
|
Reviewer Comment (2026-03-25): [redacted] received a valid COC.
Seller Comment (2026-03-24): (Rate Lock) LOX
Reviewer Comment (2026-03-23): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Second
Appraisal fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure
consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
"
Seller Comment (2026-03-20): (Rate Lock) LE [redacted].[redacted] with COC
|
03/25/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AZ
|
Primary
|
Purchase
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
35
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine
compliance with appraisal timing requirements.
|
03/20/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
36
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-01): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-31): (Rate Lock) ORIGINAL COLLATERAL SENT [redacted] VIA [redacted]
|
04/01/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MD
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
36
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure
was provided to the borrower at Closing.
|
Reviewer Comment (2026-03-27): Sufficient Cure Provided At Closing
|
03/27/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MD
|
Primary
|
Purchase
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
37
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-05-01): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-29): (Rate Lock) [redacted] [redacted]
|
05/01/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
UT
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
37
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Verification appraisal was not provided to the borrower.
|
04/27/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
UT
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
37
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
RESPA
|
RESPA - Initial Escrow Account Statement Missing
|
RESPA: Initial escrow account statement was not provided to the borrower.
|
Initial escrow account statement was not provided to the borrower.
|
Reviewer Comment (2026-04-29): IEAD provided
Seller Comment (2026-04-29): (Rate Lock) IEAD attached
|
04/29/2026
|
No
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
UT
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
37
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-24): Sufficient Cure Provided At Closing
|
04/24/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
UT
|
Second Home
|
Purchase
|
Final CD evidences Cure
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
37
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Title
|
General
|
Title
|
Title Policy Coverage is less than Original Loan Amount.
|
The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.
|
The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Commitment in file.
|
04/27/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
UT
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
37
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Income / Employment
|
Income Documentation
|
Missing Document
|
REO Documents are missing.
|
The file is missing documentation to verify the PITIA for the primary residence.
|
Reviewer Comment (2026-04-29): Documentation to verify the PITIA provided
Seller Comment (2026-04-29): (Rate Lock) [redacted] [redacted]
Seller Comment (2026-04-29): (Rate Lock) See attached
Seller Comment (2026-04-29): (Rate Lock) IEAD attached
|
04/29/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
UT
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
38
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian
|
04/13/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
39
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian
|
04/27/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
39
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
Final CD evidences Cure
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
39
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $[redacted] exceeds
tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
Final CD evidences Cure
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
39
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Disclosure
|
Missing Document
|
Disclosure
|
E-sign Consent Agreement is missing.
|
-
|
E-sign Consent Agreement is missing.
|
Reviewer Comment (2026-04-29): Disclosure provided. Exception cleared.
Seller Comment (2026-04-28): please see attached econsent
|
04/29/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Refinance - Cash-out - Other
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
40
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-20): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-16): (Rate Lock) Delivered [redacted] via [redacted]
|
04/20/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
41
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-14): (Rate Lock) ORIGINAL COLLATERAL SENT [redacted] VIA [redacted]
|
04/16/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
WA
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
42
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-09): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-30): (Rate Lock) Collateral delivered [redacted] via [redacted] tracking #[redacted][redacted]
|
04/09/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
WA
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
43
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-06): Waived on Rate Lock: Collateral cleared by Custodian
|
04/06/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Refinance - Rate/Term
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
44
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian
|
04/16/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
45
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-20): Waived on Rate Lock: Collateral cleared by Custodian
|
04/20/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MN
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
45
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Loan Estimate Timing Electronically Provided
|
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated
[redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in
additional fee tolerance violations.
|
Reviewer Comment (2026-04-20): [redacted] received earliest e-consent dated [redacted].
Seller Comment (2026-04-17): (Rate Lock) [redacted] tracking #[redacted] [redacted] shows collateral was delivered today, [redacted]
Seller Comment (2026-04-17): (Rate Lock) eConsent
Seller Comment (2026-04-17): (Rate Lock) eConsents
|
04/20/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
MN
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
45
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-15): Sufficient Cure Provided At Closing
|
04/15/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MN
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
45
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine
compliance with appraisal timing requirements.
|
Verification appraisal delivered to borrower was not provided.
|
04/16/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
MN
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
46
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-20): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-17): (Rate Lock) TRACKING # FOR NOTE [redacted][redacted]
|
04/20/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Primary
|
Purchase
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
46
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Closing Disclosure Timing without Waiver Test
|
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
|
Closing Disclosure was not provided to Borrower(s) at least [redacted] business days prior to closing.
|
Reviewer Comment (2026-04-17): [redacted] received disclosure Tracking for CD dated [redacted] received to consumer [redacted] business days prior to the
consummation.
Seller Comment (2026-04-16): (Rate Lock) initial cd
|
04/17/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
FL
|
Primary
|
Purchase
|
No Defined Cure
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
47
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-01): [redacted] [redacted] [redacted]
Seller Comment (2026-04-01): note was shipped [redacted] should have soon. we do not have tracking yet
|
04/03/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CO
|
Primary
|
Refinance - Rate/Term
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
47
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Loan File
|
Missing Document
|
Missing Document: Hazard Insurance Policy not provided
|
The file is missing a copy of Hazard Insurance Policy.
|
Reviewer Comment (2026-03-31): Received Hazard Insurance Policy. Exception cleared.
Seller Comment (2026-03-30): HOI
|
03/31/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CO
|
Primary
|
Refinance - Rate/Term
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
48
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-05-11): Waived on Rate Lock: Collateral cleared by Custodian
|
05/11/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
AZ
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
49
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-05-11): (Rate Lock) [redacted]
|
05/12/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
49
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing,
and appraisal was not provided at or before closing.
|
Verification of appraisal delivery to borrower was not provided.
|
04/23/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
49
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Provided Prior to Date Performed
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine
compliance with appraisal timing requirements.
|
04/23/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
49
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
49
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
50
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-05-04): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-30): (Rate Lock) Tracking #[redacted] shows Delivered [redacted] at [redacted]:[redacted].
|
05/04/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
MN
|
Second Home
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
51
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-27): Waived on Rate Lock: Collateral cleared by Custodian
|
04/27/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CO
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
52
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-03-31): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-03-30): (Rate Lock) Tracking #[redacted] shows Delivered [redacted] [redacted] at [redacted]:[redacted].
|
03/31/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
SC
|
Second Home
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
53
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Second Home
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
53
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess
cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing
|
04/17/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
FL
|
Second Home
|
Purchase
|
Final CD evidences Cure
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||
|
xxxx
|
53
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Hazard Insurance
|
Insufficient Coverage
|
Hazard Insurance
|
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
|
HOI coverage is insufficient by $[redacted]. Provide updated policy reflecting minimum coverage of $[redacted] OR provide copy of insurer's replacement
cost estimate supporting current coverage amount.
|
Reviewer Comment (2026-05-13): Verification from the insurance company confirmed guaranteed replacement cost coverage
Seller Comment (2026-04-27): [redacted] - [redacted]: The provided email from the insurance company states "Coverage A - Dwelling reflects the estimated
minimum replacement cost." This clearly confirms that the subject's replacement cost of $[redacted]. Additional documentation confirming the subject's replacement cost is not required.
Reviewer Comment (2026-04-24): Received Email which does not state the replacement cost amount or percentage of replacement cost. Please provide the
replacement cost amount or percentage of replacement cost. Exception Remains.
Seller Comment (2026-04-23): [redacted] - [redacted]: Please see the attached email from the insurance company confirming the dwelling coverage of
$[redacted] reflects the subject's estimated replacement cost.
|
05/13/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
FL
|
Second Home
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
54
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM
(APOR) Fail.
|
Loan designation failure due to Points & Fees. This exception will be cleared once all QM specific exceptions have been cured/cleared.
|
Reviewer Comment (2026-03-10): Mavent provided. Cleared
Buyer Comment (2026-03-09): Please see page [redacted] of uploaded compliance report - Undiscounted rate is [redacted]%, Lender excluded [redacted]% or
$[redacted], [redacted]
Reviewer Comment (2026-03-04): Uploaded docs do not cure.
Buyer Comment (2026-03-03): See upload [redacted].
|
03/10/2026
|
No
|
1
|
B
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
B
|
A
|
CA
|
Primary
|
Purchase
|
Lender to provide updated ATR/QM status
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Exempt from ATR
|
Yes
|
|||||||||
|
xxxx
|
54
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
QM Points and Fees [redacted]
|
Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the
Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%).
|
Provide undiscounted rate and bona fide points excluded for additional testing.
|
Reviewer Comment (2026-03-10): Mavent provided. Cleared
Buyer Comment (2026-03-09): Please see page [redacted] of attached compliance report - Undiscounted rate is [redacted]%, Lender excluded [redacted]% or
$[redacted], [redacted]
|
03/10/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Exempt from ATR
|
No
|
||||||||||
|
xxxx
|
54
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Tax Certificate not provided
|
The taxes used by the lender to qualify were greater than the taxes verified on the tax bill in file. Provide a tax cert or other documentation verifying
the tax amount used by the lender to qualify of $[redacted] per month. Amount used was [redacted]% of purchase price not industry standard for [redacted] property of [redacted].
|
Reviewer Comment (2026-03-04): Received Tax cert confirming the tax rate and [redacted] detailing the tax amount calculation as per the tax rate.
Exception cleared.
Buyer Comment (2026-03-03): Tax Cert and [redacted] which reflect UW's Tax Calc. Thank you.
|
03/04/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Exempt from ATR
|
No
|
|||||||||||
|
xxxx
|
54
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM
|
[redacted] Bank Originated Loan submitted as Non Exempt
|
Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan
would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt.
|
Possible [redacted] Bank Originated, subject to further designation review and clearing. Unable to ascertain if lender is [redacted]. Loan designation not
provided in file or on bid tape.
|
Buyer Comment (2026-03-10): Acknowledged non material EV2
Reviewer Comment (2026-03-10): Lender is a [redacted] lender. This can be waived.
Buyer Comment (2026-03-09): Please see page [redacted] of uploaded compliance report - Undiscounted rate is [redacted]%, Lender excluded [redacted]% or
$[redacted], [redacted]
|
03/10/2026
|
No
|
2
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Exempt from ATR
|
No
|
||||||||||
|
xxxx
|
55
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
56
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-05-22): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-05-20): (Rate Lock) [redacted]
|
05/22/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
56
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation.
|
05/18/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
TX
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
56
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Loan Estimate Timing Electronically Provided
|
TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated
[redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in
additional fee tolerance violations.
|
Loan Estimate not delivered to Borrower(s) within [redacted] business days of application.
|
Reviewer Comment (2026-05-20): [redacted] received e-consent.
Seller Comment (2026-05-19): (Rate Lock) borrower consented [redacted] LE sent [redacted]
|
05/20/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
57
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-28): (Rate Lock) [redacted] Tracking for Collateral sent to Custodian is[redacted] [redacted]
Delivered on [redacted]
|
04/29/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
57
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Title
|
Document Error
|
Title
|
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file).
Unable to determine if appropriate coverage is provided.
|
Title Evidence: ___;
State: ___
|
04/24/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CA
|
Primary
|
Purchase
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
58
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian
|
04/30/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
WA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
58
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing,
and appraisal was not provided at or before closing.
|
Verification appraisal delivered to borrower was not provided.
|
04/23/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
WA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
58
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
WA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
59
|
xxxx
|
xxxx
|
Credit
|
Income / Employment
|
Income Documentation
|
Missing Document
|
REO Documents are missing.
|
-
|
Mortgage Statement is missing for [redacted].
|
Reviewer Comment (2026-03-16): Received Require document of REO Properties. Exception Cleared
Buyer Comment (2026-03-13): REO mtg & [redacted] exchange rate
|
03/16/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
59
|
xxxx
|
xxxx
|
Credit
|
Missing Document
|
General
|
Missing Document
|
Missing Document: Source of Funds/Deposit not provided
|
Require Source of Funds/Deposit on [redacted] in the amount of $[redacted] shown in Bank of America, N.A. checking #[redacted].
|
Reviewer Comment (2026-03-19): LOX is provided for Large deposits of $[redacted]. Exception cleared
Buyer Comment (2026-03-17): LOX
Reviewer Comment (2026-03-16): Received [redacted] account till [redacted] whereas Deposit was made on [redacted]. Require update [redacted] Statement
till [redacted] or before closing date. Additionally Same [redacted] account has been used for qualification, therefore asset requirement subject to re-review upon receipt of updated [redacted] account. without [redacted] account #
[redacted] funds are Shortfall to cover Reserve Requirement. Exception Remains
Buyer Comment (2026-03-13): $[redacted] deposit from [redacted]
|
03/19/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
59
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
Verification appraisal was delivered to borrower within [redacted] days of closing was not provided. Waiver not provided.
|
Buyer Comment (2026-03-12): Acknowledged non-material EV2
|
03/12/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CA
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
59
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Loan does not meet one or more guideline components which could impact the borrower's ability to repay.
|
General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.
|
Reviewer Comment (2026-03-19): LOX is provided for Large deposits of $[redacted]. Exception cleared
Buyer Comment (2026-03-19): see LOX
Reviewer Comment (2026-03-16): Received [redacted] account till [redacted] whereas Deposit was made on [redacted]. Require update [redacted] Statement
till [redacted] or before closing date. Additionally Same [redacted] account has been used for qualification, therefore asset requirement subject to re-review upon receipt of updated [redacted] account. without [redacted] account #
[redacted] funds are Shortfall to cover Reserve Requirement. Exception Remains
Buyer Comment (2026-03-13): $[redacted] deposit from [redacted]
|
03/19/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
59
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ATR/QM Defect
|
Check Loan Designation Match - QM
|
Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM
(APOR) Risk.
|
Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.
|
Reviewer Comment (2026-03-19): LOX is provided for Large deposits of $[redacted]. Exception cleared
Buyer Comment (2026-03-19): See lox
Reviewer Comment (2026-03-16): Received [redacted] account till [redacted] whereas Deposit was made on [redacted]. Require update [redacted] Statement
till [redacted] or before closing date. Additionally Same [redacted] account has been used for qualification, therefore asset requirement subject to re-review upon receipt of updated [redacted] account. without [redacted] account #
[redacted] funds are Shortfall to cover Reserve Requirement. Exception Remains
Buyer Comment (2026-03-13): $[redacted] deposit from [redacted]
|
03/19/2026
|
No
|
1
|
B
|
A
|
C
|
A
|
B
|
A
|
C
|
A
|
B
|
A
|
CA
|
Primary
|
Purchase
|
Lender to provide updated ATR/QM status
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
59
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
Cured at closing
|
Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing
|
03/11/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
B
|
C
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
60
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-05-14): Note tracking is attached!
|
05/21/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
GA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
60
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to
consummation.
|
The verification appraisal delivered to the borrower was not provided.
|
05/13/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
GA
|
Primary
|
Purchase
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
61
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-29): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-28): (Rate Lock) [redacted] Tracking for Collateral/Note is [redacted] [redacted]
|
04/29/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
NC
|
Primary
|
Purchase
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
61
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2026-04-23): Sufficient Cure Provided At Closing
|
04/23/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
NC
|
Primary
|
Purchase
|
Final CD evidences Cure
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
62
|
xxxx
|
xxxx
|
Credit
|
Guideline
|
Guideline Issue
|
Guideline
|
Ineligible property type.
|
___
|
Subject Property Neighborhood Characteristics is Rural and its Zoning Description is Rural. Per guidelines, Rural Zoned properties are Ineligible property
types as per guidelines. There are also images of Large Shed and a Barn on the property. Client to review for acceptability
|
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.
Borrower has been employed in the same industry for more than [redacted] years.
Borrower has worked in the same position for more than [redacted] years.
Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].
The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.
The qualifying DTI on the loan is less than or equal to [redacted]%.
The representative FICO score exceeds the guideline minimum by at least [redacted] points.
The representative FICO score is above [redacted].
|
[redacted] vs [redacted]
|
SitusAMC,Aggregator
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
|
Reviewer Comment (2026-04-08): Investor accepts and agrees to waive with compensating factors.
Buyer Comment (2026-04-08): Exception from [redacted]
|
04/08/2026
|
Yes
|
2
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
MD
|
Primary
|
Purchase
|
C
|
B
|
C
|
B
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||
|
xxxx
|
63
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-04-30): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-04-29): (Rate Lock) Hello. Here is the tracking # for note / collateral sent to custodian [redacted] Tracking#[redacted] [redacted]
|
04/30/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
CA
|
Primary
|
Purchase
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
63
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Title
|
Document Error
|
Title
|
The Commitment or Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file).
Unable to determine if appropriate coverage is provided.
|
Title Evidence: ___;
State: ___
|
The Title Commitment or Preliminary Title Policy amount is blank. Provide a Supplemental report reflecting the policy amount.
|
04/28/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
CA
|
Primary
|
Purchase
|
B
|
B
|
B
|
B
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
64
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-05-05): Waived on Rate Lock: Collateral cleared by Custodian
Seller Comment (2026-05-04): (Rate Lock) Collateral Tracking sent to Custodian is [redacted] Tracking # [redacted] [redacted]
|
05/05/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
NC
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
64
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Hazard Insurance
|
Insufficient Coverage
|
Hazard Insurance
|
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
|
Hazard insurance coverage amount is insufficient by $[redacted].
|
Reviewer Comment (2026-05-07): RCE provided
Seller Comment (2026-05-07): (Rate Lock) Please see attached
|
05/07/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
NC
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
66
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Collateral
|
Missing/Incorrect
|
Collateral
|
Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file.
|
Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian
Buyer Comment (2026-06-09): (Rate Lock) [redacted][redacted] delivered [redacted]
Seller Comment (2026-05-27): doc uploaded
|
06/11/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
66
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Credit
|
Credit Documentation
|
Credit
|
No evidence of fraud report in file
|
The file was missing a copy of the Fraud report.
|
Reviewer Comment (2026-05-27): Received and associated Fraud Report. Exception cleared.
Seller Comment (2026-05-27): doc uploaded
|
05/27/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
66
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing,
and appraisal was not provided at or before closing.
|
Verification appraisal delivered to borrower was not provided.
|
05/22/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
66
|
xxxx
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
Missing Non-Required Data
|
(Missing Data) Last Rate Set Date
|
Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine
rate used for testing.
|
Initial Rate Lock Date not provided.
|
Reviewer Comment (2026-05-28): Rate lock provided
Seller Comment (2026-05-27): doc uploaded
|
05/28/2026
|
No
|
1
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
B
|
A
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
66
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Fraud Report not provided
|
The file was missing a copy of the Fraud report.
|
Reviewer Comment (2026-05-27): Received and associated Fraud Report. Exception cleared.
Seller Comment (2026-05-27): doc uploaded
|
05/27/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
66
|
xxxx
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / [redacted] not provided
|
The file was missing a copy of the Loan Underwriting and Transmittal Summary ([redacted]) / [redacted].
|
Reviewer Comment (2026-05-27): Received and associated Loan Underwriting and Transmittal Summary ([redacted]) / [redacted]. Exception cleared.
Seller Comment (2026-05-27): doc uploaded
|
05/27/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
AZ
|
Primary
|
Purchase
|
C
|
B
|
C
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
67
|
xxxx
|
xxxx
|
Credit
|
Legal / Regulatory / Compliance
|
Title / Lien Defect
|
Title
|
Title Policy is Preliminary or Commitment, and not a Final Title Policy.
|
Reviewer Comment (2026-04-15): Received Final Title Policy. Exception cleared.
|
04/15/2026
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
WA
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||||
|
xxxx
|
67
|
xxxx
|
xxxx
|
Credit
|
Title
|
Document Error
|
Title
|
The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage
is provided.
|
Provided Title commitment reflects Lender title policy as "To Follow" instead of coverage amount. title supplement report or Updated title report or Final
title policy require with Lender's coverage amount covering the loan amount.
|
Reviewer Comment (2026-04-15): Received final title with Loan policy amount. Exception cleared
Buyer Comment (2026-04-14): Final Title Policy
|
04/15/2026
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
WA
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
67
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
ECOA
|
ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation
|
ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower provided appraisal waiver less than [redacted] business days prior to consummation.
|
Appraisal timing waiver is signed within [redacted] business days of closing. it must be signed prior to [redacted] business days
|
Buyer Comment (2026-04-15): Acknowledged non material
Reviewer Comment (2026-04-15): Received appraisal waiver dated [redacted] which is within [redacted] days prior to Note date [redacted]. Also Appraisal
report provided is within [redacted] days prior to the Note date. Provide prior appraisal report and appraisal delivery evidence which is more than [redacted] days prior to the Note date [redacted] along with appraisal waiver signed before
[redacted] days prior to the Note date [redacted]. Exception remains.
Buyer Comment (2026-04-14): Appraisal waiver
|
04/15/2026
|
No
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
WA
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||||
|
xxxx
|
67
|
xxxx
|
xxxx
|
Credit
|
Guideline
|
Guideline Issue
|
Guideline
|
Ineligible property type.
|
___
|
Per Appraisal zoning Rural Area is ineligible per guidelines
|
Borrower has been employed in the same industry for more than [redacted] years.
Borrower has verified disposable income of at least $[redacted].
Borrower has worked in the same position for more than [redacted] years.
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.
Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].
The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.
The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.
The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%.
The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.
The representative FICO score exceeds the guideline minimum by at least [redacted] points.
The representative FICO score is above [redacted].
|
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
SitusAMC
|
Reviewer Comment (2026-04-21): Exception provided.
Buyer Comment (2026-04-21): investor exception approval
Reviewer Comment (2026-04-16): Investor acceptance is required.
Buyer Comment (2026-04-15): PER LENDER- Please consider subject property as location is rural zoning classification the property is more characterized as
residential/suburban in nature.
|
04/21/2026
|
Yes
|
2
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
WA
|
Second Home
|
Purchase
|
C
|
B
|
C
|
B
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
||||||||
|
xxxx
|
68
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Initial Closing Disclosure Timing without Waiver Test
|
TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing.
|
No CD Issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing.
|
Reviewer Comment (2026-08-21): Client elected to waive the condition
|
08/21/2026
|
Yes
|
2
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
B
|
GA
|
Primary
|
Purchase
|
No Defined Cure
|
B
|
B
|
A
|
A
|
B
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||
|
xxxx
|
71
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Finance Charge
|
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page
[redacted] that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
|
Finance Charge of $[redacted] varies from calculated finance charge of $[redacted]
|
Reviewer Comment (2022-12-28): [redacted] received Itemization of finance charges
Seller Comment (2022-12-27): Comment from [redacted] ([redacted]): The finance charge is correct. Please see attached CD addendum for fees paid by others
not to be included as well as the Itemization of Amount Financed for the prepaid finance charge.
|
12/28/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and
Re-open Rescission (required on rescindable transactions)
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
72
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Insufficient or no cure was provided to the borrower.
|
Document Preparation Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid
COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower
disclosing the changes made.
|
Reviewer Comment (2022-10-07): [redacted] received a valid Changed Circumstance on [redacted].
Buyer Comment (2022-10-06): See attached disclosure tracking reasons.
|
10/07/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
SD
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
72
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Insufficient or no cure was provided to the borrower.
|
MERS Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee,
nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes
made.
|
Reviewer Comment (2022-10-17): [redacted] received additional information on valid changed circumstance.
Buyer Comment (2022-10-14): [redacted] Rate locked as [redacted]. Lenders LOE classified as "Other" page [redacted] currently explains fees added and
reason for [redacted] lock.
Reviewer Comment (2022-10-14): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the MERS Fee
was added. 'It states changed Loan program to [redacted]'. On LE dated [redacted] loan amount is $[redacted]. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender
became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
Buyer Comment (2022-10-13): Please see uploaded LOE with snip of COC
Reviewer Comment (2022-10-07): [redacted] received duplicate LE dated [redacted] and MERS Fee added on LE dated [redacted] in the amount of $[redacted]
from $[redacted] [redacted] LE without [redacted]'s. In order to determine a valid changed circumstance with valid more information is necessary on reason for the fee added. A valid Changed Circumstance or cure is required. Cure consists
of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
Buyer Comment (2022-10-06): Per Lender: See attached loan estimate.
|
10/17/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
SD
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
72
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds
tolerance of $[redacted]. Insufficient or no cure was provided to the borrower.
|
Title-Settlement/Closing/Escrow Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not
contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the
borrower disclosing the changes made.
|
Reviewer Comment (2022-10-19): COC provided for cure. Cleared.
Buyer Comment (2022-10-19): LOX w/ COC
Reviewer Comment (2022-10-18): The provided detail does not address the significant increase in the settlement fee. While the program did change, an
increase in the loan amount by [redacted] seems disproportionate to the increase in the settlement fee. Please provide the reason for the increase or provide a cure.
Reviewer Comment (2022-10-17): [redacted] received additional information on changed circumstance. However, the Title-Title Production fee increase is
missing sufficient information to support a valid change reason. That the title company updated fee amounts is not a sufficient reason and typically title fee would not increase this amount on a settlement/closing/production type fee for
only a loan amount change. Pleases provide additional information that supports why the title company increased this fee based on the loan changes or cure is due borrower.
Buyer Comment (2022-10-14): [redacted] Rate locked as [redacted]. Lenders LOE classified as "Other" page [redacted] currently explains fees added and
reason for [redacted] lock.
Reviewer Comment (2022-10-14): [redacted] received Changed Circumstance dated [redacted]; however, Title - Settlement / Closing / Escrow Fee increased
$[redacted] from $[redacted] on [redacted] LE. It has been updated in Section [redacted] (Services you cannot shop for), fees are subject to [redacted]% tolerance as borrower was not given the option to shop for the service or provider.
Please provide valid document for increase in Title - Settlement / Closing / Escrow Fee or provide cure documents. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
Buyer Comment (2022-10-13): Please see uploaded LOE with snip of COC
Reviewer Comment (2022-10-07): [redacted] received duplicate LE dated [redacted] and the Title - Settlement/ Closing / Escrow Fee (Title Production Fee)
increased $[redacted] from $[redacted] on [redacted] LE without [redacted]'s. Also, the inclusion of a fee within Section [redacted] of the most recent LE provided to the consumer carries the primary basis for consideration of whether the
consumer was permitted to shop. As the fee was included in Section [redacted] of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund
check.
Buyer Comment (2022-10-06): Per lender fee disclosed on [redacted] LE uploaded.
|
10/19/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
SD
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
72
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Finance Charge
|
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page
[redacted] that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
|
Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of $[redacted]. Based on review of Lender's compliance
report, Courier/Express Mail/Messenger, Flood Certificate (Life of Loan), and Title-Settlement/Closing/Escrow fees were not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of
Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
|
Reviewer Comment (2022-10-26): Corrected PCCD, Refund Ck and LOE provided. Cleared..
Buyer Comment (2022-10-26): Cashiers check for refund
Buyer Comment (2022-10-26): LOE to borrowers
Buyer Comment (2022-10-26): Disclosure tracking for receipt of [redacted], PCCD and LOE
Buyer Comment (2022-10-26): [redacted] and PCCD
Reviewer Comment (2022-10-20): Current cure amount for this exception is $[redacted]. Please provide PCCD, LOE, Copy of refund check, re-opening of RTC
and proof of delivery as this is a material exception in a refinance transaction.
Buyer Comment (2022-10-18): Please confirm cure amount is now $[redacted]?
Reviewer Comment (2022-10-18): Current prepaids are Flood Cert $[redacted], LDP $[redacted], Loan Origination $[redacted], MERS $[redacted], Prepaid
Interest $[redacted], Tax Service Fee $[redacted], Title - Closing/Settlement Fee $[redacted]. Please provide cure to complete testing.
Buyer Comment (2022-10-14): Exchange fee is not a [redacted], please re-calculate $[redacted] cure amount.
Buyer Comment (2022-10-14): PCCD
|
10/26/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
SD
|
Primary
|
Refinance - Rate/Term
|
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and
Re-open Rescission (required on rescindable transactions)
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
72
|
xxxx
|
xxxx
|
Credit
|
Credit
|
Miscellaneous
|
Guideline
|
Credit Exception:
|
The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within [redacted] business days of the
Originator's application date.
|
Reviewer Comment (2022-10-06): SSPLs not utilized by Lender. LOX provided. Cleared.
Buyer Comment (2022-10-06): LOX from Lender
|
10/06/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
SD
|
Primary
|
Refinance - Rate/Term
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
72
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Insufficient or no cure was provided to the borrower.
|
Corrected fee names
|
Reviewer Comment (2022-10-17): [redacted] received additional information on valid changed circumstance.
|
10/17/2022
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
SD
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||||||||
|
xxxx
|
72
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of
$[redacted]. Insufficient or no cure was provided to the borrower.
|
Corrected fee names
|
Reviewer Comment (2022-10-17): [redacted] received additional information on valid changed circumstance.
|
10/17/2022
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
SD
|
Primary
|
Refinance - Rate/Term
|
Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
|
C
|
A
|
C
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||||||||
|
xxxx
|
73
|
xxxx
|
xxxx
|
Credit
|
Guideline
|
Guideline Issue
|
Guideline
|
Gift funds not allowable.
|
Gift letter dated [redacted] from [redacted] to borrower for $[redacted] include the donor's statement that no repayment is expected with funds with the
source being from donors account #[redacted]. This account is borrower's account and not donor's. File contained evidence the funds were sourced from Donor's HELOC from ([redacted]) different draws made to borrower's. Borrowers attested on
the final loan application they had an obligation in the amount of $[redacted] with monthly payment of $[redacted] to [redacted] to repay these gifted funds, The source of these funds is a loan leveraged by Donor property borrower(s) have
attested to being obligated to.
|
Reviewer Comment (2022-12-02): Corrected [redacted] and LOX from Borrower and Lender Explanation provided confirming gift funds do not require payment and
not encumbering borrowers property. Cleared.
Buyer Comment (2022-12-01): [redacted]
Buyer Comment (2022-12-01): lox
Reviewer Comment (2022-11-22): Final [redacted] signed, attested and dated by borrower(s) [redacted] reflected [redacted] obligation with monthly payment
$[redacted]k with unpaid balance $[redacted]. LOE provided is noted, please provide a corrected final [redacted] omitting the obligation along with signed borrower LOX as to the circumstances.
Buyer Comment (2022-11-22): Lender's comment: The $[redacted] is HELOC proceeds from the property that the donor's mom solely owns and repayment from the
borrower is not required. Also, not sure where you guys are getting $[redacted] on the loan application. Please see the attached LOE from one of our underwriters
|
12/02/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
73
|
xxxx
|
xxxx
|
Credit
|
Credit
|
AUS Discrepancy / Guidelines Discrepancy
|
Guideline
|
Guideline Requirement: PITIA reserves months discrepancy.
|
Reserves Insufficient, All gift funds excluded from reserves.
|
Reviewer Comment (2022-11-22): Re-calculated. [redacted] vs [redacted] required
Buyer Comment (2022-11-22): Lender's rebuttal: May you please re-calculate the verified assets again? We are getting $[redacted] which is excluded from
the borrower's checking accounts. Please see LOE on gift funds attached.
|
11/22/2022
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
CA
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
76
|
xxxx
|
xxxx
|
Credit
|
Credit
|
Credit Documentation
|
Guideline
|
Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided
|
Lenders guidelines require a VOR if renting in the prior [redacted] months. VORs provided for both properties within the last [redacted] months are
incomplete and missing information
|
Reviewer Comment (2023-03-07): The filled out VORs were provided in trailing docs
Seller Comment (2023-03-07): Comment from [redacted] ([redacted]): VORS THAT WERE IN THE SHIPPED PACKAGE
|
03/07/2023
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
WA
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
78
|
xxxx
|
xxxx
|
Credit
|
Loan Package Documentation
|
Application / Processing
|
Missing Document
|
Missing Document: AUS not provided
|
Required AUS not found at time of review. Reserves subject to additional review.
|
Reviewer Comment (2023-02-22): AUS provided.
Buyer Comment (2023-02-21): AUS
|
02/22/2023
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
FL
|
Second Home
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
79
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted].
Sufficient or excess cure was provided to the borrower at Closing.
|
TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing.
|
Reviewer Comment (2023-03-15): Sufficient Cure Provided At Closing
|
03/15/2023
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
TX
|
Primary
|
Purchase
|
Final CD evidences Cure
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
79
|
xxxx
|
xxxx
|
Credit
|
Credit
|
Miscellaneous
|
Guideline
|
Credit Exception:
|
Missing copies of assets being used to disburse Trust income, confirming in the name of the Trust etc.
|
Reviewer Comment (2023-03-21): Trust was recently established as well as acct #[redacted]. Documentation provided reflects trust asset funded and trailed
from other assets. Continue for [redacted] months was confirmed.
Buyer Comment (2023-03-20): Bank acct summary for acct [redacted] is located [redacted], Can we cancel this exception as all docs related are listed in
your docs.
Buyer Comment (2023-03-20): Trust letter is re uploaded but it also is in your doc [redacted]
Buyer Comment (2023-03-17): See attached and also Per lender : See [redacted] pg [redacted].
|
03/21/2023
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
TX
|
Primary
|
Purchase
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|||||||||||
|
xxxx
|
81
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Closing Disclosure Issue Date Not Provided
|
TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to
conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using
an estimated Date Issued based on best information available.
|
Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued.
|
Reviewer Comment (2024-08-29): Received attestation comment to remove incomplete CD from testing as not provided to the borrower.
Seller Comment (2024-08-28): Comment from [redacted] ([redacted]): The initial CD was issued [redacted]. The CD referenced in the suspense condition was
an internal draft only and was not provided to the borrower.
|
08/29/2024
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
IL
|
Primary
|
Purchase
|
Good Faith Redisclosure
|
C
|
A
|
A
|
A
|
C
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
82
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID
|
TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing
|
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or
$[redacted]. Sufficient or excess cure was provided to the borrower at Closing.
|
Reviewer Comment (2024-08-12): Sufficient Cure Provided At Closing
|
08/12/2024
|
No
|
1
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
A
|
UT
|
Second Home
|
Purchase
|
Final CD evidences Cure
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
||||||||||
|
xxxx
|
82
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Amount Financed Test
|
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate
Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable
tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]).
|
Final CD did not include the HOA Association Doc fee of $[redacted] in the finance charges. This fee was paid to a law firm for service rendered on behalf
of the lender.
|
Reviewer Comment (2024-09-06): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.
Seller Comment (2024-09-05): Comment from [redacted] ([redacted]): with check
Reviewer Comment (2024-08-28): [redacted] received Corrected CD, LOE to borrower and proof of mailing. Missing copy of the $[redacted] cure refund for
the underdisclosure and noted in the LOE.
Seller Comment (2024-08-27): Comment from [redacted] ([redacted]): Documents for [redacted]
|
09/06/2024
|
No
|
2
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
UT
|
Second Home
|
Purchase
|
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on
rescindable transactions)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
82
|
xxxx
|
xxxx
|
Compliance
|
Compliance
|
Federal Compliance
|
TRID Defect
|
TRID Final Closing Disclosure Finance Charge
|
TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page
[redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the
$[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]).
|
Final CD did not include the HOA Association Doc fee of $[redacted] in the finance charges. This fee was paid to a law firm for service rendered on behalf
of the lender.
|
Reviewer Comment (2024-09-06): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD.
Seller Comment (2024-09-05): Comment from [redacted] ([redacted]): with check
Reviewer Comment (2024-08-28): [redacted] received Corrected CD, LOE to borrower and proof of mailing. Missing copy of the $[redacted] cure refund for
the underdisclosure and noted in the LOE.
Seller Comment (2024-08-27): Comment from [redacted] ([redacted]): [redacted]
|
09/06/2024
|
No
|
2
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
C
|
B
|
UT
|
Second Home
|
Purchase
|
TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and
Re-open Rescission (required on rescindable transactions)
|
C
|
B
|
A
|
A
|
C
|
B
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
Yes
|
|||||||||
|
xxxx
|
84
|
xxxx
|
xxxx
|
Credit
|
Insurance
|
Insurance Analysis
|
Insurance
|
Insufficient Coverage: Hazard insurance coverage amount is insufficient.
|
The policy provided does not define the percentage for extended coverages, using base coverages provided, results in a $[redacted] shortfall.
|
Reviewer Comment (2024-09-17): Received RCE reflecting sufficient coverage.
|
09/17/2024
|
No
|
1
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
C
|
A
|
NV
|
Primary
|
Refinance - Cash-out - Other
|
C
|
A
|
C
|
A
|
A
|
A
|
A
|
A
|
Safe Harbor QM (APOR)
|
Safe Harbor QM (APOR)
|
No
|
|
SitusAMC Loan ID
|
Customer Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
Note Date
|
Original Loan Amount
|
Sales Price
|
Value for LTV
|
As-Is Value for LTV
|
LTV Value Variance Amount
|
LTV Value Variance Percent
|
Primary Valuation Value
|
Primary Valuation Report Date
|
Primary Valuation Effective Date
|
Primary Valuation Type
|
Primary Valuation Company
|
Primary Valuation Appraiser Name
|
Primary Valuation Appraiser License Num
|
Primary Valuation FSD Score
|
Secondary Valuation Value
|
Secondary Valuation Variance Amount
|
Secondary Valuation Variance Percent
|
Secondary Valuation Report Date
|
Secondary Valuation Effective Date
|
Secondary Valuation Type
|
Secondary Valuation Company
|
Secondary Valuation FSD Score
|
Secondary Valuation Desk Review Risk Score
|
AVM Value
|
AVM Variance Amount
|
AVM Variance Percent
|
AVM Company
|
AVM FSD Score
|
AVM Report Date
|
Desk Review Value
|
Desk Review Variance Amount
|
Desk Review Variance Percent
|
Desk Review Company
|
Desk Review Risk Score
|
Desk Review Report Date
|
Desk Review Effective Date
|
Desktop Appraisal Value
|
Desktop Appraisal Variance Amount
|
Desktop Appraisal Variance Percent
|
Desktop Appraisal Company
|
Desktop Appraisal Report Date
|
Desktop Appraisal Effective Date
|
BPO Value
|
BPO Variance Amount
|
BPO Variance Percent
|
BPO Company
|
BPO Report Date
|
Field Review Value
|
Field Review Variance Amount
|
Field Review Variance Percent
|
Field Review Company
|
Field Review Report Date
|
Field Review Effective Date
|
2055 Value
|
2055 Variance Amount
|
2055 Variance Percent
|
2055 Company
|
2055 Report Date
|
2055 Effective Date
|
AVE/CMA Value
|
AVE/CMA Variance Amount
|
AVE/CMA Variance Percent
|
AVE/CMA Company
|
AVE/CMA Report Date
|
Hybrid Valuation Value
|
Hybrid Valuation Variance Amount
|
Hybrid Valuation Variance Percent
|
Hybrid Valuation Company
|
Hybrid Valuation Report Date
|
Updated Valuation Value
|
Updated Valuation Variance Amount
|
Updated Valuation Variance Percent
|
Updated Valuation Company
|
Updated Valuation Report Date
|
Updated Valuation Effective Date
|
Aggregate Appraised Value
|
Aggregate Variance Amount
|
Aggregate Variance Percent
|
Value Analysis Valuation Value
|
Value Analysis Report Date
|
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
|
LCA Risk Score
|
Collateral Underwriter Risk Score
|
|
xxxx
|
1
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
3.70
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
3
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
4
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.60
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
5
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
5.120%
|
Appraisal
|
N/A
|
3.10
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
6
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
7
|
xxxx
|
0.000%
|
Appraisal
|
8.000%
|
Appraisal
|
N/A
|
4.20
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
8
|
xxxx
|
0.000%
|
Appraisal
|
Yes
|
1.00
|
2.60
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
9
|
xxxx
|
0.000%
|
Appraisal
|
No
|
1.60
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
10
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk-Top Review
|
No
|
2.80
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
11
|
xxxx
|
0.000%
|
Appraisal
|
Yes
|
1.00
|
1.10
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
12
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
5.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
13
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
Yes
|
2.50
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
14
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
2.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
15
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
1.450%
|
Appraisal
|
N/A
|
2.80
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
16
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.360%
|
Appraisal
|
N/A
|
2.50
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
17
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
1.50
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
18
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
4.20
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
19
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
3.90
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
20
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
2.70
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
21
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
2.90
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
22
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
2.60
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
23
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
4.50
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
24
|
xxxx
|
xxxx
|
0.760%
|
Appraisal
|
0.000%
|
Appraisal
|
N/A
|
2.60
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
25
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Appraisal
|
N/A
|
2.30
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
26
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
2.20
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
27
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
1.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
28
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
4.40
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
29
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
2.30
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
30
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Appraisal
|
N/A
|
3.40
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
31
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
5.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
32
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
4.30
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
33
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
2.60
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
34
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
35
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Appraisal
|
N/A
|
3.20
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
36
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
2.90
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
37
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
2.20
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
38
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
3.20
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
39
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
1.60
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
40
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
41
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
4.20
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
42
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
3.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
43
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
2.90
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
44
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
4.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
45
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.80
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
46
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
2.80
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
47
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
3.70
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
48
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
3.50
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
49
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
-4.900%
|
Desk Review
|
Low
|
N/A
|
999.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
50
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.20
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
51
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
52
|
xxxx
|
xxxx
|
1.050%
|
Appraisal
|
0.000%
|
Appraisal
|
N/A
|
3.90
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
53
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
3.20
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
54
|
xxxx
|
0.000%
|
Appraisal
|
0.890%
|
Appraisal
|
N/A
|
1.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
55
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
56
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
57
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
4.30
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
58
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.30
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
59
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.50
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
60
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.60
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
61
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
62
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
5.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
63
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
64
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
1.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
65
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
66
|
xxxx
|
xxxx
|
0.000%
|
Appraisal
|
5.040%
|
Appraisal
|
N/A
|
2.60
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
67
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
4.40
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
68
|
xxxx
|
0.000%
|
Appraisal
|
Yes
|
2.00
|
1.80
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
69
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
70
|
xxxx
|
0.000%
|
Appraisal
|
Yes
|
1.20
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
71
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
3.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
72
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
3.40
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
73
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Appraisal
|
Moderate
|
0.000%
|
Moderate
|
N/A
|
1.50
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
74
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
Yes
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
75
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
2.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
76
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
N/A
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
77
|
xxxx
|
0.000%
|
Appraisal
|
N/A
|
1.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
78
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
N/A
|
4.40
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
79
|
xxxx
|
0.000%
|
Appraisal
|
0.860%
|
Appraisal
|
0.860%
|
Low
|
No
|
4.80
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
80
|
xxxx
|
0.000%
|
Appraisal
|
No
|
5.00
|
1.00
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
81
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
Yes
|
1.00
|
1.90
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
82
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
Yes
|
1.00
|
1.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
83
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
Yes
|
1.00
|
1.00
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
84
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Moderate
|
0.000%
|
No
|
3.00
|
2.70
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
85
|
xxxx
|
0.000%
|
Appraisal
|
0.000%
|
Desk Review
|
Low
|
Yes
|
1.00
|
1.00
|
|
SitusAMC Loan ID
|
Seller Loan ID
|
Investor Loan Number
|
TILA Status Loan Designation
|
Exempt QM/ATR Equivalency
|
CDFI Bank Originated Loan
|
Application Date
|
TRID Tested
|
GSE
|
HOEPA Fees
|
TILA Fees
|
Rate Lock Date
|
Calculated APR
|
Original P&I
|
Qualifying P&I
|
Qualifying Rate
|
Is Borrower Non Occupant
|
Is Co Borrower Non Occupant
|
Borrower Employment Indicator
|
Co Borrower Employment Indicator
|
Co Borrower 2 Employment Indicator
|
Co Borrower 3 Employment Indicator
|
Co Borrower2 Length of Employment
|
Co Borrower3 Length of Employment
|
Borrower Foreign National Indicator
|
Co Borrower Foreign National Indicator
|
Co Borrower 2 Foreign National Indicator
|
Co Borrower 3 Foreign National Indicator
|
Borrower Country Name
|
Co Borrower Country Name
|
Co Borrower2 Country Name
|
Co Borrower3 Country Name
|
Residual Income
|
Num Units
|
Annual Property Tax
|
Annual Insurance Costs
|
Monthly Property Tax
|
Monthly Insurance Costs
|
HOA Name
|
HOA Address State
|
Fee Amount
|
Next Due Date
|
HOA Payment Frequency
|
Investor DTI
|
QM DTI
|
Non QM DTI
|
Original Credit Report Date
|
Qualifying Credit Score
|
Third Wage Earner Original FICO Equifax
|
Third Wage Earner Original FICO Experian
|
Third Wage Earner Original FICO Transunion
|
Fourth Wage Earner Original FICO Equifax
|
Fourth Wage Earner Original FICO Experian
|
Fourth Wage Earner Original FICO Transunion
|
Most Recent Updated Credit Report Date
|
Primary Wage Earner Updated FICO Equifax
|
Primary Wage Earner Updated FICO Experian
|
Primary Wage Earner Updated FICO Transunion
|
Secondary Wage Earner Updated FICO Equifax
|
Secondary Wage Earner Updated FICO Experian
|
Secondary Wage Earner Updated FICO Transunion
|
Third Wage Earner Updated FICO Equifax
|
Third Wage Earner Updated FICO Experian
|
Third Wage Earner Updated FICO Transunion
|
Fourth Wage Earner Updated FICO Equifax
|
Fourth Wage Earner Updated FICO Experian
|
Fourth Wage Earner Updated FICO Transunion
|
Most Recent Updated Co Borrower 2 FICO
|
Most Recent Updated Co Borrower 3 FICO
|
Co Borrower 2 Asset Verification Level
|
Co Borrower 3 Asset Verification Level
|
Co Borrower 2 Income Verification Level
|
Co Borrower 3 Income Verification Level
|
Co Borrower 2 Employment Verification Level
|
Co Borrower 3 Employment Verification Level
|
Asset Depletion Flag
|
Bank Statements Flag
|
Number of Statements
|
Type of Statements
|
Percent of Income From Statements
|
Borrower Business Ownership %
|
CoBorrower Business Ownership %
|
P&L Type
|
Income Doc Detail
|
Tax Return Doc Details
|
Document Level
|
Document Type
|
Most Recent Bankruptcy Type
|
Most Recent Bankruptcy Filing Date
|
Most Recent Bankruptcy Discharge Date
|
Number of Bankruptcy Events
|
Months Bankruptcy (7, 11)
|
Months Bankruptcy (13)
|
Most Recent Deed-in -Lieu Date
|
Number of Deed-in-Lieu Events
|
Months Deed-in-Lieu
|
Most Recent Short Sale Date
|
Number of Short Sale Events
|
Months Short Sale (or Pre FC)
|
Most Recent Foreclosure Date
|
Number of Foreclosure Events
|
Months Foreclosure
|
Prior Mortgage/Rent Late 30d in 24m
|
Prior Mortgage/Rent Late 60d in 24m
|
Prior Mortgage/Rent Late 90d in 24m
|
Has ACH
|
Guideline Name
|
UW Guideline Author
|
ATR QM Total Points and Fees Audit
|
Loan Regulation Benchmark Date
|
Benchmark Rate
|
HUD 1 Page 1 Credits Total
|
Collateral Underwriter Risk Score
|
AUS Decision System
|
Property Inspection Waiver (PIW)
|
Rating Result
|
Eligible For Rep and Warrant Relief Per Collateral Advisor
|
Is Equity Shared Loan
|
Investor Qualifying Rate
|
Borrower Years of W2s
|
CoBorrower Years of W2s
|
Years of Personal Tax Returns
|
Years of Business Tax Returns
|
Years of 4506T
|
Years of Tax Transcripts
|
Months of Personal Bank Statements
|
Months of Business Bank Statements
|
Months of Profit and Loss Statements
|
Expense Letter
|
Total DSCR
|
Total Inverse DSCR
|
Subordinate Lien Type
|
Is Shared Appreciation Mortgage
|
Duration of Payout Months
|
Seller VSH Indicator
|
Seller Indicated VSH Guideline
|
Validated VSH
|
IO Remaining Amortization Term at Recast
|
Maturity Date
|
Borrower Own Funds Cash Amount
|
Borrower Own Funds Percent
|
Is the Note an eNote
|
Borrower WVOE - # of Months of Income provided
|
Co Borrower WVOE - # of Months of Income provided
|
Co Borrower2 WVOE - # of Months of Income provided
|
Co Borrower3 WVOE - # of Months of Income provided
|
Were the origination guidelines utilized for this diligence review?
|
Title Evidence
|
Ownership Type
|
Borrower Type
|
Borrower Designation
|
Co Borrower Type
|
Co Borrower Designation
|
Co Borrower2 Type
|
Co Borrower2 Designation
|
Co Borrower3 Type
|
Co Borrower3 Designation
|
Senior Lien Position
|
Senior Lien Original Loan Amount
|
Senior Lien Original Interest Rate
|
Senior Lien Note Projected Closing Date
|
Senior Lien Current Balance
|
Senior Lien Current P&I
|
Loan Closed in the Name of an Entity
|
Note Executed by
|
Assumable Mortgage Flag
|
Leasehold Flag
|
Buydown Flag
|
Borrower Experian FICO Model Used
|
Borrower Equifax FICO Model Used
|
Borrower TransUnion FICO Model Used
|
Co Borrower Experian FICO Model Used
|
Co Borrower Equifax FICO Model Used
|
Co Borrower TransUnion FICO Model Used
|
Co Borrower2 Experian FICO Model Used
|
Co Borrower2 Equifax FICO Model Used
|
Co Borrower2 TransUnion FICO Model Used
|
Co Borrower3 Experian FICO Model Used
|
Co Borrower3 Equifax FICO Model Used
|
Co Borrower3 TransUnion FICO Model Used
|
Borrower Documentation Used to Determine Legal Residency
|
Co Borrower Documentation Used to Determine Legal Residency
|
Co Borrower2 Documentation Used to Determine Legal Residency
|
Co Borrower3 Documentation Used to Determine Legal Residency
|
Delayed Financing?
|
Months Reserves
|
Correspondent Type
|
Departure Residence
|
Rate Increase on Default
|
Default Interest Rate
|
Default Interest Accrual Start Days
|
MERS Min Number
|
Co Borrower Other Income
|
Co Borrower Wage Income
|
Primary Housing Lates 0 6 Months 30
|
Primary Housing Lates 0 6 Months 60
|
Primary Housing Lates 0 6 Months 90
|
Primary Housing Lates 7 12 Months 30
|
Primary Housing Lates 7 12 Months 60
|
Primary Housing Lates 7 12 Months 90
|
Primary Housing Lates 13 24 Months 30
|
Primary Housing Lates 13 24 Months 60
|
Primary Housing Lates 13 24 Months 90
|
Primary Housing Lates 25 36 Months 30
|
Primary Housing Lates 25 36 Months 60
|
Primary Housing Lates 25 36 Months 90
|
Borrower 1 ITIN Flag
|
Borrower 2 ITIN Flag
|
Borrower 3 ITIN Flag
|
Borrower 4 ITIN Flag
|
Total Number of Mortgaged Properties
|
Amortization Term Less IO
|
Flood Zone Designation
|
Flood Policy Expiration Date
|
Flood Policy Coverage Amount
|
|
|
xxxx
|
1
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024
[Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024
|
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; Transcripts (1040) - No Results Returned - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
1yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
3.7
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
0
|
1
|
0
|
3
|
0
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
No
|
Yes
|
Commitment
|
Fee Simple
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
No
|
xxxx
|
Retail
|
No
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
4
|
360
|
X
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
2
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Other - 2025
[Borrower - | Primary Income - Wages]; Paystubs - 2025
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025
[Borrower - | Primary Income - Wages]; VVOE - 2025
[Borrower - | Primary Income - Wages]; Paystubs - 2024
[Borrower - | Primary Income - Wages]; W-2 - 2024
[Borrower - | Primary Income - Wages]; Paystubs - 2023
[Borrower - | Primary Income - Wages]; W-2 - 2023
|
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.0
|
DU
|
ApproveEligible
|
N/A
|
No
|
xxxx
|
2
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
FICO II
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
Yes
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
X-500
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
6
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2025
[Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025
[Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025
[Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025
[Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024
[Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024
[Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024
|
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 4506-C - 2022
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
1yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
0
|
1
|
0
|
3
|
0
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
No
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
No
|
xxxx
|
Retail
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
X
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
14
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower - | Primary Income - Wages]; Paystubs - 2025
[Borrower - | Primary Income - Wages]; W-2 - 2025
[Borrower - | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2023
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2022
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2022
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
2.0
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
2
|
2
|
0
|
0
|
4
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
36
|
37
|
Yes
|
Commitment
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
No
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
X
|
xxxx
|
xxxx
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
21
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026
[Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024
[Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024
[Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024
[Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023
[Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023
[Borrower - | Non-Primary Income - Wages]; Paystubs - 2026
[Borrower - | Non-Primary Income - Wages]; VVOE - 2026
[Borrower - | Non-Primary Income - Wages]; Paystubs - 2025
[Borrower - | Non-Primary Income - Wages]; Paystubs - 2024
[Borrower - | Non-Primary Income - Wages]; Paystubs - 2024
|
[Borrower]; 4506-C - 2025
[Borrower]; 1040 - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 1040 - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
2.9
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
0
|
2
|
0
|
3
|
0
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
No
|
Yes
|
Commitment
|
Fee Simple
|
Individual
|
Trustee
|
No
|
Trustee
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
No
|
Retail
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
X
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
44
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Employer Letter - 2026
[Borrower - | Primary Income - Wages]; Other - 2026
[Borrower - | Primary Income - Wages]; Other - 2026
[Borrower - | Primary Income - Wages]; Paystubs - 2026
[Borrower - | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower - | Primary Income - Wages]; Vesting Schedule - 2026
[Borrower - | Primary Income - Wages]; VVOE - 2026
[Borrower - | Primary Income - Wages]; Paystubs - 2025
[Borrower - | Primary Income - Wages]; W-2 - 2025
[Borrower - | Primary Income - Wages]; Paystubs - 2024
[Borrower - | Primary Income - Wages]; W-2 - 2024
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
4.0
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
2
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
FICO II
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
X
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
49
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Other - 2026
[Borrower - | Primary Income - Wages]; Paystubs - 2026
[Borrower - | Primary Income - Wages]; VVOE - 2026
[Borrower - | Primary Income - Wages]; W-2 - 2025
[Borrower - | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2024
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
999.0
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
2
|
2
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
2
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
X
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
55
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
Yes
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower - | Primary Income - Wages]; VVOE - 2026
[Borrower - | Primary Income - Wages]; W-2 - 2025
[Borrower - | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026
[Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
1yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.0
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
2
|
1
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
No
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
X
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
57
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower - | Primary Income - Wages]; VVOE - 2026
[Borrower - | Primary Income - Wages]; W-2 - 2025
[Borrower - | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2024
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
4.3
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
2
|
2
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
26
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
Yes
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
X
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
61
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower - | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) - | Primary Income - Wages]; VVOE - 2026
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2025
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 4506-C - 2023
|
Full Documentation (F)
|
1yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.0
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
0
|
1
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
Yes
|
Commitment
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
FICO II
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
FICO II
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
Yes
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
X
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
63
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
xxxx
|
US Citizen
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower - | Primary Income - Wages]; W-2 - 2025
[Borrower - | Primary Income - Wages]; W-2 - 2024
[Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2025
[Coborrower(s) - | Primary Income - Wages]; W-2 - 2024
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
[Coborrower]; 4506-C - 2025
[Coborrower]; 4506-C - 2024
[Coborrower]; 4506-C - 2023
[Coborrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
2yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.0
|
DU
|
ApproveEligible
|
N/A
|
No
|
xxxx
|
2
|
2
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
26
|
26
|
Yes
|
Preliminary
|
Fee Simple
|
Individual
|
Individual
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
Yes
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
X
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
64
|
xxxx
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
No
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Wages]; Paystubs - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026
[Borrower - | Primary Income - Wages]; The Work Number - Income - 2026
[Borrower - | Primary Income - Wages]; VVOE - 2026
[Borrower - | Primary Income - Wages]; W-2 - 2025
|
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2025
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2024
[Borrower]; 4506-C - 2023
[Borrower]; 4506-C - 2023
[Borrower]; 1084 or income worksheet - Year Not Available
|
Full Documentation (F)
|
1yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.0
|
DU
|
ApproveIneligible
|
N/A
|
No
|
xxxx
|
1
|
0
|
0
|
3
|
0
|
xxxx
|
No
|
Yes
|
Mixed
|
Not Tested
|
xxxx
|
xxxx
|
xxxx
|
No
|
14
|
Yes
|
Commitment
|
Fee Simple
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
FICO II
|
Beacon 5.0
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
Yes
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
2
|
360
|
X
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
xxxx
|
68
|
xxxx
|
Safe Harbor QM (APOR)
|
Yes
|
Yes
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
xxxx
|
US Citizen
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
No
|
No
|
[Borrower - | Primary Income - Projected Income]; Employer Letter - 2022
[Borrower - | Primary Income - Projected Income]; Employment Contract - 2022
|
[Borrower]; 4506-C - 2021
[Borrower]; 4506-C - 2020
|
Full Documentation (F)
|
1yr Full Doc
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
xxxx
|
1.8
|
DU
|
ApproveEligible
|
Yes
|
No
|
xxxx
|
0
|
0
|
0
|
2
|
0
|
xxxx
|
No
|
Not Stated
|
xxxx
|
xxxx
|
xxxx
|
No
|
Yes
|
Short Form
|
Fee Simple
|
Individual
|
Individual
|
No
|
Individual
|
No
|
No
|
Fair Isaac (VER. 2)
|
FICO Classic V5 Facta
|
FICO Risk Score Classic 04
|
xxxx
|
Retail
|
No
|
xxxx
|
xxxx
|
No
|
No
|
No
|
No
|
1
|
360
|
X
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
Primary Servicer
|
Servicing Fee Percentage
|
Servicing Fee Flat Dollar
|
Servicing Advance Methodology
|
Originator
|
Loan Group
|
Loan Number
|
Amortization Type
|
Lien Position
|
Heloc Indicator
|
Loan Purpose
|
Cash Out Amount
|
Total Origination and Discount Points in Dollars
|
Covered High Cost Loan Indicator
|
Relocation Loan Indicator
|
Broker Indicator
|
Channel
|
Escrow Indicator
|
Senior Loan Amounts
|
Loan Type of Most Senior Lien
|
Hybrid Period of Most Senior Lien in Months
|
Neg Am Limit of Most Senior Lien
|
Junior Mortgage Balance
|
Origination Date of Most Senior Lien
|
Origination Date
|
Original Loan Amount
|
Original Interest Rate
|
Original Amortization Term
|
Original Term to Maturity
|
First Payment Date of Loan
|
Interest Type Indicator
|
Original Interest Only Term
|
Buy Down Period
|
HELOC Draw Period
|
Current Loan Amount
|
Current Interest Rate
|
Current Payment Amount Due
|
Interest Paid Through Date
|
Current Payment Status
|
Index Type
|
ARM Look Back Days
|
Gross Margin
|
ARM Round Flag
|
ARM Rounding Factor
|
Initial Fixed Rate Period
|
Initial Interest Rate Cap Change Up
|
Initial Interest Rate Cap Change Down
|
Subsequent Interest Rate Reset Period
|
Subsequent Interest Rate Change Down
|
Subsequent Interest Rate Change Up
|
Lifetime Maximum Rate Ceiling
|
Lifetime Minimum Rate Floor
|
Negative Amortization Limit
|
Initial Negative Amortization Recast Period
|
Subsequent Negative Amortization Recast Period
|
Initial Fixed Payment Period
|
Subsequent Payment Reset Period
|
Initial Periodic Payment Cap
|
Subsequent Periodic Payment Cap
|
Initial Minimum Payment Reset Period
|
Subsequent Minimum Payment Reset Period
|
Option ARM Indicator
|
Options at Recast
|
Initial Minimum Payment
|
Current Minimum Payment
|
Prepayment Penalty Calculation
|
Prepayment Penalty Type
|
Prepayment Penalty Total Term
|
Prepayment Penalty Hard Term
|
Primary Borrower ID
|
Number of Mortgaged Properties
|
Total Number of Borrowers
|
Self Employment Flag
|
Current Other Monthly Payment
|
Length of Employment Borrower
|
Length of Employment Co Borrower
|
Years in Home
|
FICO Model Used
|
Most Recent FICO Date
|
Primary Wage Earner Original FICO Equifax
|
Primary Wage Earner Original FICO Experian
|
Primary Wage Earner Original FICO Transunion
|
Secondary Wage Earner Original FICO Equifax
|
Secondary Wage Earner Original FICO Experian
|
Secondary Wage Earner Original FICO Transunion
|
Most Recent Primary Borrower FICO
|
Most Recent Co Borrower FICO
|
Most Recent FICO Method
|
Vantagescore Primary Borrower
|
Vantagescore Co Borrower
|
Most Recent Vantagescore Method
|
Vantagescore Date
|
Credit Report Longest Trade Line
|
Credit Report Maximum Trade Line
|
Credit Report Number of Trade Lines
|
Credit Line Usage Ratio
|
Most Recent 12 Month Pay History
|
Months Bankruptcy
|
Months Foreclosure
|
Primary Borrower Wage Income
|
Co Borrower Wage Income
|
Primary Borrower Other Income
|
Co Borrower Other Income
|
All Borrower Wage Income
|
All Borrower Total Income
|
4506T/C Indicator
|
Borrower Income Verification Level
|
Co Borrower Income Verification Level
|
Borrower Employment Verification Level
|
Co Borrower Employment Verification Level
|
Borrower Asset Verification Level
|
Co Borrower Asset Verification Level
|
Liquid Cash Reserves
|
Monthly Debt All Borrowers
|
Originator DTI
|
Fully Indexed Rate
|
Qualification Method
|
Percentage of Down Payment From Borrower Own Funds
|
City
|
State
|
Postal Code
|
Property Type
|
Occupancy
|
Sales Price
|
Original Appraised Property Value
|
Original Property Valuation Type
|
Original Property Valuation Date
|
Original Automated Valuation Model AVM Model Name
|
Original AVM Confidence Score
|
Most Recent Property Value
|
Most Recent Property Valuation Type
|
Most Recent Property Valuation Date
|
Most Recent AVM Model Name
|
Most Recent AVM Confidence Score
|
Original CLTV
|
Original LTV
|
Original Pledged Assets
|
Mortgage Insurance Company Name
|
Mortgage Insurance Percent
|
MI Lender or Borrower Paid
|
Pool Insurance Co Name
|
Pool Insurance Stop Loss Percent
|
MI Certificate Number
|
Updated DTI Front End
|
Updated DTI Back End
|
Modification Effective Payment Date
|
Total Capitalized Amount
|
Total Deferred Amount
|
Pre Modification Interest Note Rate
|
Pre Modification P&I Payment
|
Pre Modification Initial Interest Rate Change Downward Cap
|
Pre Modification Subsequent Interest Rate Cap
|
Pre Modification Next Interest Rate Change Date
|
Pre Modification IO Term
|
Forgiven Principal Amount
|
Forgiven Interest Amount
|
Number of Modifications
|
Real Estate Interest
|
Community Ownership Structure
|
Year of Manufacture
|
HUD Code Compliance Indicator Y/N
|
Gross Manufacturers Invoice Price
|
LTI Loan to Invoice Gross
|
Net Manufacturers Invoice Price
|
LTI Net
|
Manufacturer Name
|
Model Name
|
Down Payment Source
|
Community Related Party Lender Y/N
|
Defined Underwriting Criteria Y/N
|
Chattel Indicator
|
|
9999999
|
0.000000
|
99
|
UNK
|
12
|
1
|
1
|
0
|
7
|
XXXX
|
XXXX
|
0
|
0
|
0
|
1
|
0
|
XXXX
|
XXXX
|
XXXX
|
2
|
0
|
0
|
0
|
0
|
2
|
1
|
0
|
XXXX
|
XXXX
|
1
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
3
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXXXXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1
|
5
|
3
|
4
|
XXXX
|
XXXX
|
XXXX
|
1
|
XXXX
|
XXXX
|
1
|
2
|
XXXX
|
3
|
0
|
XXXX
|
9
|
0
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23
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24
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|
58
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|
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|
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|
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|
73
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|
71
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
7
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XXXX
|
XXXX
|
XXXX
|
1
|
XXXX
|
XXXX
|
7
|
1
|
XXXX
|
3
|
0
|
0
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
9999999
|
0.000000
|
99
|
UNK
|
6
|
1
|
1
|
0
|
3
|
XXXX
|
XXXX
|
0
|
0
|
0
|
5
|
0
|
XXXX
|
XXXX
|
XXXX
|
2
|
0
|
0
|
0
|
0
|
1
|
1
|
1
|
XXXX
|
XXXX
|
XXXX
|
1
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
3
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXXXXXXXXXX
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|
1
|
3
|
3
|
3
|
XXXX
|
XXXX
|
XXXX
|
1
|
XXXX
|
1
|
1
|
XXXX
|
3
|
0
|
XXXX
|
9
|
0
|
XXXX
|
XXXX
|
XXXX
|
XXXX
|