EXHIBIT 99.11
CLARIFII RATING AGENCY GRADES DETAIL REPORT
| Loan ID | Seller Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 855845 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-01-30 18:02 | 2026-02-20 15:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--Post-Close VVOE confirms borrower remains employed. - Due Diligence Vendor-02/20/2026 Counter-Received duplicate VVOE for xxxxxx position starting xxxxxx. Missing current, as a Resident position, VVOE from xxxxxx - Due Diligence Vendor-02/18/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the VVOE for borrower 1 for current employment, VVOE provided states the borrower does not start until xxxxxx with xxxxxx - Due Diligence Vendor-01/30/2026 |
Resolved--Post-Close VVOE confirms borrower remains employed. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.69 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855845 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-01-30 17:41 | 2026-02-20 11:56 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review supporting value - Due Diligence Vendor-02/20/2026 Open-Per the guidelines a CU score of 2.5 or less is required. CU score is 2.7. No other valuation documents provided. - Due Diligence Vendor-01/30/2026 |
Resolved-Received desk review supporting value - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.69 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855845 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-04 16:05 | 2026-02-04 16:07 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 761 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.69 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855850 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 14:53 | 2026-02-20 18:00 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received waiver for DTI and UDM - Due Diligence Vendor-02/12/2026 Counter-Client requests a waiver. Pending receipt of the Gap Report to ensure DTI does not need to be recalculated. - Due Diligence Vendor-02/10/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited DTI of 49.29% exceeds Guideline DTI of 43%. - Due Diligence Vendor-02/04/2026 |
Resolved-Received waiver for DTI and UDM - Due Diligence Vendor-02/12/2026 |
Credit history exceeds minimum required - Fico is 713. 700 required Months Reserves exceed minimum required - 8.8 months reserves; 2 months reserves required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855850 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-03 20:27 | 2026-02-12 16:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver for DTI of 47.12% > 43%– wavier applied with reviewed comp factors - Due Diligence Vendor-02/20/2026 Counter-Client requests a waiver. Pending receipt of the Gap Report to ensure DTI does not need to be recalculated. - Due Diligence Vendor-02/10/2026 Open-Audited DTI of 49.29% exceeds Guideline DTI of 43%. Per 1008 a DTI Exception was approved, but was not provided. Please provide Exception for DTI about 43%. - Due Diligence Vendor-02/04/2026 |
Waived-Client provided a waiver for DTI of 47.12% > 43%– wavier applied with reviewed comp factors - Due Diligence Vendor-02/20/2026 |
Credit history exceeds minimum required - Fico is 713. 700 required Months Reserves exceed minimum required - 8.8 months reserves; 2 months reserves required. |
Reserves: 8 months verified > 2 months required FICO: 713>700 required |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855850 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-03 19:57 | 2026-02-12 16:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM in Fraud Report. - Due Diligence Vendor-02/12/2026 Counter-Received credit report. Missing Gap Credit report - Due Diligence Vendor-02/12/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/04/2026 |
Resolved-Received UDM in Fraud Report. - Due Diligence Vendor-02/12/2026 |
Credit history exceeds minimum required - Fico is 713. 700 required Months Reserves exceed minimum required - 8.8 months reserves; 2 months reserves required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855850 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-01-30 06:15 | 2026-02-12 15:14 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/12/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal - Due Diligence Vendor-01/30/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/12/2026 |
Credit history exceeds minimum required - Fico is 713. 700 required Months Reserves exceed minimum required - 8.8 months reserves; 2 months reserves required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855850 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 16:13 | 2026-02-04 16:14 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Credit history exceeds minimum required - Fico is 713. 700 required Months Reserves exceed minimum required - 8.8 months reserves; 2 months reserves required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855854 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-06 12:07 | 2026-02-23 07:26 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU and LCA greater than 2.5. - Due Diligence Vendor-02/09/2026 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 |
Qualifying DTI below maximum allowed - DTI 25.43%, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855854 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 11:59 | 2026-02-20 14:14 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - DTI 25.43%, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855854 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 10:12 | 2026-02-17 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Mortgage Insurance Cert Missing | Resolved-Received non delegated Lender Paid Single Premium PMI Certificate - Due Diligence Vendor-02/17/2026 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Guidelines state on Purchase or Refinance: Non-delegated approval required for loans above $1MM and above 89.99% LTV. Subject loan amount is xxxxxx with a 100% LTV. The mortgage insurance certificate is missing from the file. - Due Diligence Vendor-02/09/2026 |
Resolved-Received non delegated Lender Paid Single Premium PMI Certificate - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - DTI 25.43%, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855854 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 10:17 | 2026-02-12 16:20 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - DTI 25.43%, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855854 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 10:17 | 2026-02-09 10:23 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-FEMA disaster after appraisal without a Public PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/09/2026 | Waived-FEMA disaster after appraisal without a Public PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/09/2026 |
Qualifying DTI below maximum allowed - DTI 25.43%, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855855 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-02 08:10 | 2026-02-23 07:29 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU and LCA scores over 2.5, Additional valuation product is required. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 |
Months Reserves exceed minimum required - required 6 months. borrower has 15 months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,194.02; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855855 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-04 15:39 | 2026-02-12 16:23 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/04/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/12/2026 |
Months Reserves exceed minimum required - required 6 months. borrower has 15 months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,194.02; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855855 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-02 09:03 | 2026-02-11 12:48 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Payment History | Waived-Client provided a waiver for student loan deferment– wavier applied with reviewed compfactors - Due Diligence Vendor-02/11/2026 Open-Student loan debt zero monthly payment per 1003. Please provide income-driven payment plan to use monthly paymen tas $0.00. - Due Diligence Vendor-02/02/2026 |
Waived-Client provided a waiver for student loan deferment– wavier applied with reviewed compfactors - Due Diligence Vendor-02/11/2026 |
Months Reserves exceed minimum required - required 6 months. borrower has 15 months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,194.02; minimum required NONE |
Reserves: 13 months verified > 6 months required DTI: 38% verified <43% max allowed |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855855 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-04 16:17 | 2026-02-04 16:18 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Months Reserves exceed minimum required - required 6 months. borrower has 15 months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,194.02; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855858 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-04 16:26 | 2026-02-04 16:27 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 Required is 700 Borrower has 784 Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.54 Required is 50 Borrower has 41.54 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855863 | xxxxxx | C | B | C | B | C | A | B | A | Closed | xxxxxx | 2026-02-04 14:58 | 2026-02-20 15:48 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the verification of the borrower primary housing expense. - Due Diligence Vendor-02/04/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.84 Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income is 9 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855863 | xxxxxx | C | B | C | B | C | A | B | A | Closed | xxxxxx | 2026-02-02 12:16 | 2026-02-20 15:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client waiver applied to missing VOR with compensating factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Provide verification of rent for the borrower. 1003 reflects borrower renting for 6 months paying $3,350 per month. - Due Diligence Vendor-02/02/2026 |
Waived--Client waiver applied to missing VOR with compensating factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.84 Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income is 9 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855863 | xxxxxx | C | B | C | B | C | A | B | A | Closed | xxxxxx | 2026-02-04 12:22 | 2026-02-12 16:27 | Resolved | 1 - Information | B | A | Property | Missing Doc | Completion Report (442/1004D) is Partially Provided (Primary Value) | Resolved-Received 1004D confirming complete. - Due Diligence Vendor-02/12/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is Partially Present 1004 D in file states that the subject is not completed due to missing xxxxxx. Provide proof xxxxxx or updated 442 - Due Diligence Vendor-02/04/2026 |
Resolved-Received 1004D confirming complete. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.84 Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income is 9 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855863 | xxxxxx | C | B | C | B | C | A | B | A | Closed | xxxxxx | 2026-02-04 16:38 | 2026-02-11 08:08 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-----SOL has expired. - Due Diligence Vendor-02/11/2026 Open- ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. - Due Diligence Vendor-02/04/2026 |
Resolved-----SOL has expired. - Due Diligence Vendor-02/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.84 Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income is 9 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855863 | xxxxxx | C | B | C | B | C | A | B | A | Closed | xxxxxx | 2026-01-29 19:14 | 2026-02-04 16:46 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD included $85.00 Lender Credit for increase in fees above legal limit. Finding resolved. - Due Diligence Vendor-02/04/2026 | Resolved-Final CD included $85.00 Lender Credit for increase in fees above legal limit. Finding resolved. - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Qualifying DTI below maximum allowed - Required is 43 Borrower has 19.84 Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income is 9 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855865 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 15:24 | 2026-02-19 08:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-ACH form provided. - Due Diligence Vendor-02/19/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-ACH form provided. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.02 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855865 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 15:14 | 2026-02-13 16:38 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/13/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Mtg Stmt to verify T/I escrowed - Due Diligence Vendor-02/06/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.02 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855865 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 14:47 | 2026-02-13 16:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI, re Taxes and HOA for departure residence - Due Diligence Vendor-02/13/2026 Open-Missing verification that the credit report payment for the departure residence includes taxes and hazard insurance. - Due Diligence Vendor-02/06/2026 |
Resolved-Received HOI, re Taxes and HOA for departure residence - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.02 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855865 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-03 14:27 | 2026-02-05 12:04 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/03/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 786 Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.02 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855866 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-10 03:54 | 2026-02-23 07:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. The ACH is missing from the file. - Due Diligence Vendor-02/10/2026 |
Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855866 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-12 13:25 | 2026-02-17 11:18 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/12/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855866 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 14:26 | 2026-02-17 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/17/2026 Open-Missing Third Party Fraud Report not provided - Due Diligence Vendor-02/06/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855866 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 14:24 | 2026-02-17 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Fraud Report with UDM. - Due Diligence Vendor-02/17/2026 Open-Borrower 1 Gap Credit Report is Missing not provided - Due Diligence Vendor-02/06/2026 |
Resolved-Received Fraud Report with UDM. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855866 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 14:24 | 2026-02-17 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Fraud Report with UDM. - Due Diligence Vendor-02/17/2026 Open-Borrower 2 Gap Credit Report is Missing not provided - Due Diligence Vendor-02/06/2026 |
Resolved-Received Fraud Report with UDM. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855866 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 12:06 | 2026-02-05 12:06 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855866 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-03 12:42 | 2026-02-03 14:11 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.76 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855867 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-02 13:06 | 2026-02-20 18:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client waiver applied to non-material finding with compensating factors. DTI exception for 50.03% DTI - Due Diligence Vendor-02/20/2026 Open-DTI of 50.03%Z exceeds max DTI of 50% - Due Diligence Vendor-02/20/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. DTI exception for 50.03% DTI - Due Diligence Vendor-02/20/2026 |
Verified employment history exceeds guidelines - Borrower has been employed in xxxxxx greater than 2 years. Months Reserves exceed minimum required - Min 0, actual 6.50 Residual Income =/> 1.5 times $3,500 monthly residual income - $8,328.61 Residual Income |
6.5 months of reserves $8,328.61 Residual Income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855867 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-02 14:24 | 2026-02-20 18:04 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/12/2026 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/12/2026 |
Verified employment history exceeds guidelines - Borrower has been employed in xxxxxx greater than 2 years. Months Reserves exceed minimum required - Min 0, actual 6.50 Residual Income =/> 1.5 times $3,500 monthly residual income - $8,328.61 Residual Income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855867 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-01-30 08:19 | 2026-02-12 07:46 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/12/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM - Due Diligence Vendor-01/30/2026 |
Resolved-ARM Disclosure Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-02/12/2026 |
Verified employment history exceeds guidelines - Borrower has been employed in xxxxxx greater than 2 years. Months Reserves exceed minimum required - Min 0, actual 6.50 Residual Income =/> 1.5 times $3,500 monthly residual income - $8,328.61 Residual Income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855867 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-01-30 08:46 | 2026-02-04 16:57 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $175.00 (appraisal fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx ** Client waiver applied to non-material finding. SOL expired. ** - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $175.00 (appraisal fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx ** Client waiver applied to non-material finding. SOL expired. ** - Due Diligence Vendor-02/04/2026 |
Verified employment history exceeds guidelines - Borrower has been employed in xxxxxx greater than 2 years. Months Reserves exceed minimum required - Min 0, actual 6.50 Residual Income =/> 1.5 times $3,500 monthly residual income - $8,328.61 Residual Income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855867 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 16:52 | 2026-02-04 16:53 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Verified employment history exceeds guidelines - Borrower has been employed in xxxxxx greater than 2 years. Months Reserves exceed minimum required - Min 0, actual 6.50 Residual Income =/> 1.5 times $3,500 monthly residual income - $8,328.61 Residual Income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855868 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-04 17:00 | 2026-02-20 16:10 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Long term residence - At current residence for 3.8 years Months Reserves exceed minimum required - Min 0, actual 2.48 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855868 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-01-29 18:36 | 2026-02-20 09:01 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved----Received Initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 Counter------Received a duplicate copy of Final CD. Need a copy of CD 3 days prior to the closing. Finding Remains. - Due Diligence Vendor-02/18/2026 Open- ----- Initial CD is MISSING and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-01/29/2026 |
Resolved----Received Initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 |
Long term residence - At current residence for 3.8 years Months Reserves exceed minimum required - Min 0, actual 2.48 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855870 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-10 04:37 | 2026-02-23 07:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. The ACH is missing from the file. - Due Diligence Vendor-02/10/2026 |
Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.61 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855870 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-10 04:41 | 2026-02-12 16:30 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/10/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.61 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855870 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 14:35 | 2026-02-12 16:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/12/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Loan disbursed on xxxxxx. - Due Diligence Vendor-02/09/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.61 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855870 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-10 04:41 | 2026-02-10 04:45 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/10/2026 |
Waived-Public assistance - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.61 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855870 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 12:08 | 2026-02-05 12:09 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.61 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855874 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 08:51 | 2026-02-20 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-LOX on employment received. - Due Diligence Vendor-02/20/2026 Open-Missing LOX regarding how the purchase of xxxxxx that is located in xxxxxx (both employed by same entity) will impact their income. Additional findings may apply. - Due Diligence Vendor-02/09/2026 |
Resolved-LOX on employment received. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - 42.6% DTI, max 50% LTV is less than guideline maximum - 80% LTV, max 95% Qualifying FICO score is at least 20 points above minimum for program - 804 fico, 700 required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855874 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 07:42 | 2026-02-20 08:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-xxxxxx provided confirming xxxxxx payment was made on time. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Missing evidence of xxxxxx mortgage payment for departure residence to meet 0x30x12 requirement. - Due Diligence Vendor-02/09/2026 |
Resolved-xxxxxx provided confirming May payment was made on time. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - 42.6% DTI, max 50% LTV is less than guideline maximum - 80% LTV, max 95% Qualifying FICO score is at least 20 points above minimum for program - 804 fico, 700 required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855874 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 08:52 | 2026-02-20 08:46 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing evidence of xxxxxx mortgage payment for departure residence to meet 0x30x12 requirement. - Due Diligence Vendor-02/10/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - 42.6% DTI, max 50% LTV is less than guideline maximum - 80% LTV, max 95% Qualifying FICO score is at least 20 points above minimum for program - 804 fico, 700 required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855874 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-10 05:20 | 2026-02-19 11:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH - Due Diligence Vendor-02/19/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. The ACH is missing from the file. - Due Diligence Vendor-02/10/2026 |
Resolved-Received ACH - Due Diligence Vendor-02/19/2026 |
Qualifying DTI below maximum allowed - 42.6% DTI, max 50% LTV is less than guideline maximum - 80% LTV, max 95% Qualifying FICO score is at least 20 points above minimum for program - 804 fico, 700 required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855874 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-11 13:02 | 2026-02-11 13:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Waived-Client provided a waiver for Photo ID and or Patriot Act Disclosure-wavier applied with reviewed compfactors - Due Diligence Vendor-02/11/2026 Open-Missing photo ID or completed Patriot Act/Customer Identification for both borrowers. - Due Diligence Vendor-02/11/2026 |
Waived-Client provided a waiver for Photo ID and or Patriot Act Disclosure-wavier applied with reviewed compfactors - Due Diligence Vendor-02/11/2026 |
Qualifying DTI below maximum allowed - 42.6% DTI, max 50% LTV is less than guideline maximum - 80% LTV, max 95% Qualifying FICO score is at least 20 points above minimum for program - 804 fico, 700 required. |
FICO: 804>700 minimum required Reserves: 23 months verified >0 required |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855874 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 12:11 | 2026-02-05 12:12 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - 42.6% DTI, max 50% LTV is less than guideline maximum - 80% LTV, max 95% Qualifying FICO score is at least 20 points above minimum for program - 804 fico, 700 required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855875 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-10 05:51 | 2026-02-17 11:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received ratified purchase contract. - Due Diligence Vendor-02/17/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase contract is not signed by seller. Provide fully executed contract of sale. - Due Diligence Vendor-02/10/2026 |
Resolved-Received ratified purchase contract. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 751 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855875 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 12:14 | 2026-02-05 12:15 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.53 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 751 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 11:39 | 2026-02-20 18:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected qualifying rate. DTI is 42.88% - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 45.59% exceeds Guideline DTI of 43%. Due to higher arm qualifying payment. - Due Diligence Vendor-02/09/2026 |
Resolved-Corrected qualifying rate. DTI is 42.88% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 11:36 | 2026-02-20 18:47 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Corrected qualifying rate. DTI is 42.88% - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited DTI of 45.59% exceeds Guideline DTI of 43% . Due to higher arm qualifying payment - Due Diligence Vendor-02/09/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Corrected qualifying rate. DTI is 42.88% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-10 06:34 | 2026-02-20 18:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/20/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse not on exclusionary list. Provide updated fraud report - Due Diligence Vendor-02/10/2026 |
Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 11:13 | 2026-02-20 18:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. - Buyer-02/18/2026 Counter-Received rebuttal VOR waived. 1008 does not reflect VOR waived. Please provide final 1008 reflecting VOR waived. - Due Diligence Vendor-02/18/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing VOR for the primary departure residence for 5 months and the additional prior primary for 7 months. - Due Diligence Vendor-02/10/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-10 06:07 | 2026-02-19 11:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH - Due Diligence Vendor-02/19/2026 Open-The ACH form is Missing from file. xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH form is required. - Due Diligence Vendor-02/10/2026 |
Resolved-Received ACH - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 11:15 | 2026-02-19 11:19 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-02/19/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide an unexpired Gap Report or UDM. - Due Diligence Vendor-02/09/2026 |
Resolved-Received UDM - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 11:35 | 2026-02-12 16:26 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx The Property Inspection is required. Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 11:35 | 2026-02-12 16:26 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. The Property Inspection is required. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 10:42 | 2026-02-12 16:25 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Replacement Cost. - Due Diligence Vendor-02/12/2026 Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-02/10/2026 |
Resolved-Received Replacement Cost. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-05 12:16 | 2026-02-05 12:17 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855877 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-03 14:09 | 2026-02-04 08:31 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30 >than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855879 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-02 10:24 | 2026-02-20 16:13 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Client exception granted with comp factors. Liability in question would result in a non-material change to DTI. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Counter-Received credit report. UDM report is in Fraud Report. UDM dated xxxxxx reflects increase in balance for xxxxxx revolving to $2,446 but no payment included. Final 1003 does not reflect change on liability. Please verify balance addressed and payment considered. - Due Diligence Vendor-02/18/2026 Open-Borrower 1 Gap Credit Report is Missing Not provided - Due Diligence Vendor-02/02/2026 |
Waived--Client exception granted with comp factors. Liability in question would result in a non-material change to DTI. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 772. Required is 720 Borrower has 772 Residual Income =/> 1.5 times $3,500 monthly residual income - -1.5 time minimum required. Long term residence - Borrower's renting departing residence for 9 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855879 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 17:06 | 2026-02-04 17:08 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 772. Required is 720 Borrower has 772 Residual Income =/> 1.5 times $3,500 monthly residual income - -1.5 time minimum required. Long term residence - Borrower's renting departing residence for 9 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855882 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 16:54 | 2026-02-20 18:55 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 43.55%% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.5+ minimum residual. Credit history exceeds minimum required - Credit History = 270 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - *Seasoned Loan*: Subject on-time payment history 0x30 for 20 months/life of loan. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855882 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 16:42 | 2026-02-20 18:22 | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Credit History was not Considered Properly | Resolved--Correct student loan payment accounted for in diligence ratio. - Due Diligence Vendor-02/20/2026 Open-ATR: Credit History was not Considered Properly Lender used incorrect payments for student loans. - Due Diligence Vendor-02/20/2026 |
Resolved--Correct student loan payment accounted for in diligence ratio. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.5+ minimum residual. Credit history exceeds minimum required - Credit History = 270 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - *Seasoned Loan*: Subject on-time payment history 0x30 for 20 months/life of loan. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855882 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 16:42 | 2026-02-20 18:18 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI is excessive due to student loan payments - Due Diligence Vendor-02/09/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.5+ minimum residual. Credit history exceeds minimum required - Credit History = 270 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - *Seasoned Loan*: Subject on-time payment history 0x30 for 20 months/life of loan. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855882 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-10 07:56 | 2026-02-20 18:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/20/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing spouse not on list. - Due Diligence Vendor-02/10/2026 |
Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.5+ minimum residual. Credit history exceeds minimum required - Credit History = 270 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - *Seasoned Loan*: Subject on-time payment history 0x30 for 20 months/life of loan. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855882 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 16:54 | 2026-02-11 13:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 Open-Audited Reserves of 4.32 month(s) are less than Guideline Required Reserves of 14 month(s) - Due Diligence Vendor-02/09/2026 |
Waived-Client provided a waiver for reserves, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.5+ minimum residual. Credit history exceeds minimum required - Credit History = 270 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - *Seasoned Loan*: Subject on-time payment history 0x30 for 20 months/life of loan. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855882 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-03 13:53 | 2026-02-05 12:24 | Waived | 2 - Non-Material | B | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,330.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $1,330 Loan Discount Fee and Appraisal Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,330, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. ** Client waiver applied, SOL has expired. ** - Due Diligence Vendor-02/03/2026 | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,330.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $1,330 Loan Discount Fee and Appraisal Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,330, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. ** Client waiver applied, SOL has expired. ** - Due Diligence Vendor-02/03/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.5+ minimum residual. Credit history exceeds minimum required - Credit History = 270 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - *Seasoned Loan*: Subject on-time payment history 0x30 for 20 months/life of loan. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855882 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 12:19 | 2026-02-05 12:20 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.5+ minimum residual. Credit history exceeds minimum required - Credit History = 270 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - *Seasoned Loan*: Subject on-time payment history 0x30 for 20 months/life of loan. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855886 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 16:37 | 2026-02-18 17:46 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Documentation supports ability to repay. - Due Diligence Vendor-02/18/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/09/2026 |
Resolved--Documentation supports ability to repay. - Due Diligence Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - DTI is 29.06% and max allowed is 50% Required is 50 Borrower has 29.06 Qualifying FICO score is at least 20 points above minimum for program - Score is 790 and minimum allowed is 700 Required is 700 Borrower has 790 Residual Income =/> 1.5 times $3,500 monthly residual income - 6+ times minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855886 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-08 09:08 | 2026-02-18 17:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material with comp factors. - Due Diligence Vendor-02/18/2026 Open-Housing History Does Not Meet Guideline Requirements . Missing VOR or rent free letter for the primary residence. - Due Diligence Vendor-02/09/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material with comp factors of high FICO, low DTI and excessive residual income. - Due Diligence Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - DTI is 29.06% and max allowed is 50% Required is 50 Borrower has 29.06 Qualifying FICO score is at least 20 points above minimum for program - Score is 790 and minimum allowed is 700 Required is 700 Borrower has 790 Residual Income =/> 1.5 times $3,500 monthly residual income - 6+ times minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855886 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-08 09:22 | 2026-02-12 16:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 Open-Foreign National but the ACH form is Missing from file. (Not a Foreign National)The ACH form is Missing from file. xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/09/2026 |
Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - DTI is 29.06% and max allowed is 50% Required is 50 Borrower has 29.06 Qualifying FICO score is at least 20 points above minimum for program - Score is 790 and minimum allowed is 700 Required is 700 Borrower has 790 Residual Income =/> 1.5 times $3,500 monthly residual income - 6+ times minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855886 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 08:03 | 2026-02-05 12:27 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - DTI is 29.06% and max allowed is 50% Required is 50 Borrower has 29.06 Qualifying FICO score is at least 20 points above minimum for program - Score is 790 and minimum allowed is 700 Required is 700 Borrower has 790 Residual Income =/> 1.5 times $3,500 monthly residual income - 6+ times minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855887 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 15:47 | 2026-02-12 16:20 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Appraisal dated xxxxxx. Disaster incident occurred xxxxxx. FEMA code xxxxxx. Post Disaster inspection required. - Due Diligence Vendor-02/04/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855887 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 15:47 | 2026-02-05 13:46 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp facotrs - Due Diligence Vendor-02/05/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. Appraisal dated xxxxxx. Disaster incident occurred xxxxxx. FEMA code xxxxxx. Post Disaster inspection required. - Due Diligence Vendor-02/04/2026 |
Waived-Client waiver applied to non material finding with comp facotrs - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855887 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 17:21 | 2026-02-04 17:22 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.92 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855890 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-02-02 12:48 | 2026-02-23 08:08 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. xxxxxx UCDP and LCA are over 2.5 - Due Diligence Vendor-02/04/2026 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 Required is 700 Borrower has 732 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.39 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855890 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-02-04 15:03 | 2026-02-20 16:20 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of payment history for the borrowers primary residence. - Due Diligence Vendor-02/04/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 Required is 700 Borrower has 732 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.39 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855890 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-02-02 14:12 | 2026-02-20 16:16 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements lender to provide 12 month housing history - Due Diligence Vendor-02/02/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 Required is 700 Borrower has 732 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.39 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855890 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-02-04 17:24 | 2026-02-04 17:41 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker." Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker." Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 Required is 700 Borrower has 732 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.39 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855892 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-12 08:01 | 2026-02-20 16:24 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived--------SOL has expired. ----Zero (0%) tolerance fees increased by $195.00 (Transfer Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $195.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/12/2026 |
Waived--------SOL has expired. ----Zero (0%) tolerance fees increased by $195.00 (Transfer Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $195.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - required 6 months. Borrower has 12.3 months Residual Income =/> 1.5 times $3,500 monthly residual income - -2.7+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855892 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-02 12:05 | 2026-02-20 16:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Missing verification of rent for the borrower's current residence. - Due Diligence Vendor-02/02/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - required 6 months. Borrower has 12.3 months Residual Income =/> 1.5 times $3,500 monthly residual income - -2.7+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855892 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 15:05 | 2026-02-20 16:22 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrowers credit profile and income support ability to pay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of rent for the borrower's current residence. - Due Diligence Vendor-02/04/2026 |
Resolved--Borrowers credit profile and income support ability to pay. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - required 6 months. Borrower has 12.3 months Residual Income =/> 1.5 times $3,500 monthly residual income - -2.7+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855892 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 17:43 | 2026-02-20 16:21 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Months Reserves exceed minimum required - required 6 months. Borrower has 12.3 months Residual Income =/> 1.5 times $3,500 monthly residual income - -2.7+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855892 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-12 08:01 | 2026-02-20 09:14 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-02/12/2026 |
Resolved------Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - required 6 months. Borrower has 12.3 months Residual Income =/> 1.5 times $3,500 monthly residual income - -2.7+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855892 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-01-30 11:32 | 2026-02-12 08:08 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-02/12/2026 Open------Missing initial CD - Due Diligence Vendor-01/30/2026 |
Resolved-----Received CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-02/12/2026 |
Months Reserves exceed minimum required - required 6 months. Borrower has 12.3 months Residual Income =/> 1.5 times $3,500 monthly residual income - -2.7+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855893 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-04 17:45 | 2026-02-04 17:46 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 799 Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.4 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855894 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-04 16:16 | 2026-02-12 16:15 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Missing post disaster inspection for xxxxxx Incident Date of Disaster xxxxxx. - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855894 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-01-30 12:41 | 2026-02-04 17:46 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $120 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $120, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-01/30/2026 |
Waived-SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855894 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-04 17:44 | 2026-02-04 17:44 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.91 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855895 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-13 05:31 | 2026-02-20 18:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved--VVOE provided confirming employment. - Due Diligence Vendor-02/20/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing The verbal verification of employment does not reflect the borrower's current employment status, i.e. start date. - Due Diligence Vendor-02/13/2026 |
Resolved--VVOE provided confirming employment. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 LTV is less than guideline maximum - Required is 95 Borrower has 89.99 Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ time minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855895 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-12 11:44 | 2026-02-20 18:30 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. File contains approval documents to confirm terms. - Due Diligence Vendor-02/20/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/12/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. File contains approval documents to confirm terms. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 LTV is less than guideline maximum - Required is 95 Borrower has 89.99 Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ time minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855895 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-13 05:31 | 2026-02-20 18:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved--VVOE provided confirming employment. - Due Diligence Vendor-02/20/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing The verbal verification of employment does not reflect the co-borrower's current employment status, i.e. start date. - Due Diligence Vendor-02/13/2026 |
Resolved--VVOE provided confirming employment. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 LTV is less than guideline maximum - Required is 95 Borrower has 89.99 Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ time minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855895 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-13 05:49 | 2026-02-20 18:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements The guidelines state the borrower’s housing payment history must be documented for the most recent consecutive 12-month period. Borrower 2 stated on the 1003 that she was renting for 1 year and 9 months paying $3,100 per month. The loan file is missing the verification of rent. - Due Diligence Vendor-02/13/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 LTV is less than guideline maximum - Required is 95 Borrower has 89.99 Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ time minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855895 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-13 06:04 | 2026-02-19 11:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH. - Due Diligence Vendor-02/19/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. The ACH form is missing from the file. - Due Diligence Vendor-02/13/2026 |
Resolved-Received ACH. - Due Diligence Vendor-02/19/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 LTV is less than guideline maximum - Required is 95 Borrower has 89.99 Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ time minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855895 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 12:41 | 2026-02-05 12:41 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 LTV is less than guideline maximum - Required is 95 Borrower has 89.99 Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ time minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855897 | xxxxxx | D | B | C | A | D | B | C | B | Closed | xxxxxx | 2026-02-07 07:34 | 2026-02-23 08:15 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU and LCA > 2.5. - Due Diligence Vendor-02/10/2026 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/23/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.14; max allowable 50%. Required is 50 Borrower has 27.14 LTV is less than guideline maximum - Required is 100 Borrower has 92.16 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 700. Required is 700 Borrower has 778 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855897 | xxxxxx | D | B | C | A | D | B | C | B | Closed | xxxxxx | 2026-02-10 06:16 | 2026-02-23 08:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. The ACH form is missing from the file. - Due Diligence Vendor-02/10/2026 |
Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.14; max allowable 50%. Required is 50 Borrower has 27.14 LTV is less than guideline maximum - Required is 100 Borrower has 92.16 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 700. Required is 700 Borrower has 778 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855897 | xxxxxx | D | B | C | A | D | B | C | B | Closed | xxxxxx | 2026-02-04 07:21 | 2026-02-18 07:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received copy Final 1003. Finding Resolved. - Due Diligence Vendor-02/18/2026 Open-The Final 1003 is Missing Final 1003 is missing - Due Diligence Vendor-02/04/2026 |
Resolved-Received copy Final 1003. Finding Resolved. - Due Diligence Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.14; max allowable 50%. Required is 50 Borrower has 27.14 LTV is less than guideline maximum - Required is 100 Borrower has 92.16 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 700. Required is 700 Borrower has 778 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855897 | xxxxxx | D | B | C | A | D | B | C | B | Closed | xxxxxx | 2026-02-08 13:39 | 2026-02-12 16:14 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/08/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.14; max allowable 50%. Required is 50 Borrower has 27.14 LTV is less than guideline maximum - Required is 100 Borrower has 92.16 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 700. Required is 700 Borrower has 778 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855897 | xxxxxx | D | B | C | A | D | B | C | B | Closed | xxxxxx | 2026-02-08 13:39 | 2026-02-10 09:03 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/08/2026 |
Waived-Public assistance - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.14; max allowable 50%. Required is 50 Borrower has 27.14 LTV is less than guideline maximum - Required is 100 Borrower has 92.16 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 700. Required is 700 Borrower has 778 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855897 | xxxxxx | D | B | C | A | D | B | C | B | Closed | xxxxxx | 2026-02-05 12:43 | 2026-02-05 12:43 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 27.14; max allowable 50%. Required is 50 Borrower has 27.14 LTV is less than guideline maximum - Required is 100 Borrower has 92.16 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 700. Required is 700 Borrower has 778 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855898 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-03 14:38 | 2026-02-11 12:33 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Waived-Client provided a waiver “large deposit, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 Open-Asset 5 Does Not Meet Guideline Requirements Large Deposit source not found-xxxxxx xxxxxx 5/21 $69,094.27 - Due Diligence Vendor-02/03/2026 |
Waived-Client provided a waiver “large deposit, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $16,500 exceeds $5250 Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.56 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855898 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 17:38 | 2026-02-04 17:38 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $16,500 exceeds $5250 Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.56 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855900 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-10 07:52 | 2026-02-20 13:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-ACH form provided. - Due Diligence Vendor-02/20/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. The ACH form is missing from the file. - Due Diligence Vendor-02/10/2026 |
Resolved-ACH form provided. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765; guidelines require 700. Required is 700 Borrower has 765 Qualifying DTI below maximum allowed - DTI 35.38%, mas 50% |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855900 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-08 13:43 | 2026-02-12 16:02 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/08/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765; guidelines require 700. Required is 700 Borrower has 765 Qualifying DTI below maximum allowed - DTI 35.38%, mas 50% |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855900 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-07 17:47 | 2026-02-12 16:00 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received Hazard Insurance Effective Date of xxxxxx - Due Diligence Vendor-02/12/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx. Loan disbursed on xxxxxx. - Due Diligence Vendor-02/07/2026 |
Resolved-Received Hazard Insurance Effective Date of xxxxxx - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765; guidelines require 700. Required is 700 Borrower has 765 Qualifying DTI below maximum allowed - DTI 35.38%, mas 50% |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855900 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-08 13:43 | 2026-02-10 07:57 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx; Public Assistance. - Due Diligence Vendor-02/08/2026 |
Waived-Public assistance - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765; guidelines require 700. Required is 700 Borrower has 765 Qualifying DTI below maximum allowed - DTI 35.38%, mas 50% |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855900 | xxxxxx | C | B | C | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 12:57 | 2026-02-05 12:58 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765; guidelines require 700. Required is 700 Borrower has 765 Qualifying DTI below maximum allowed - DTI 35.38%, mas 50% |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855901 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-04 05:21 | 2026-02-12 15:58 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA disaster xxxxxx. Incident Period: xxxxxx. Missing PDI or 1004D. - Due Diligence Vendor-02/04/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 28.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 797 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855901 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-02 11:07 | 2026-02-04 17:35 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived------Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Tax Related Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-02/02/2026 |
Waived------Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 28.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 797 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855901 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-01-30 15:59 | 2026-02-04 14:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-02/04/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non material findings. - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 28.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 797 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855905 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 08:16 | 2026-02-26 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-The borrower provided an employment contract with a start date of xxxxxx, which is within 90 days of closing and allowable per xxxxxx guides. Paystubs from the borrower current position provided. - Due Diligence Vendor-02/26/2026 Open-Borrower 1 Paystubs Missing Missing a paystub from the borrower's current employment through xxxxxx (as noted on the loan application). The paystub must be dated no earlier than 30 days prior to the initial loan application date and it must include all year-to-date earnings. Additional conditions may apply. - Due Diligence Vendor-02/11/2026 |
Resolved-The borrower provided an employment contract with a start date of xxxxxx, which is within 90 days of closing and allowable per xxxxxx guides. Paystubs from the borrower current position provided. - Due Diligence Vendor-02/26/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6 times minimum. Qualifying DTI below maximum allowed - DTI 27.56%, max 50%. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855905 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-12 13:26 | 2026-02-26 12:01 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The borrower provided an employment contract with a start date of xxxxxx, which is within 90 days of closing and allowable per xxxxxx guides. Paystubs from the borrower current position provided. - Due Diligence Vendor-02/26/2026 Open--Missing Paystub. - Due Diligence Vendor-02/20/2026 |
Resolved-The borrower provided an employment contract with a start date of xxxxxx, which is within 90 days of closing and allowable per xxxxxx guides. Paystubs from the borrower current position provided. - Due Diligence Vendor-02/26/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6 times minimum. Qualifying DTI below maximum allowed - DTI 27.56%, max 50%. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855905 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-09 10:19 | 2026-02-23 08:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 Open-Foreign National but the ACH form is Missing from file. (Not a Foreign National). The ACH form is Missing from file. Per guides xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/09/2026 |
Resolved-Received ACH form. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6 times minimum. Qualifying DTI below maximum allowed - DTI 27.56%, max 50%. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855905 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-11 13:58 | 2026-02-17 11:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for 2 months reserves < 3 months required – wavier applied with reviewed compfactors - Due Diligence Vendor-02/17/2026 Open-Audited Reserves of 2.33 month(s) are less than Guideline Required Reserves of 3 month(s) Per guides the borrower is required to have sufficient assets (reserves) to bridge gap between closing xxxxxx and first pmt xxxxxx = 2 months. However, the borrower's start date is xxxxxx, 1 additional month after the first payment date. Therefore, the borrower would require at minimum 3 months and verified only 2.33 months of PITIA reserves. - Due Diligence Vendor-02/11/2026 |
Waived-Client provided a waiver for 2 months reserves < 3 months required – wavier applied with reviewed compfactors - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6 times minimum. Qualifying DTI below maximum allowed - DTI 27.56%, max 50%. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790 |
FICO: 790>700 minimum required DTI: 30%<50% max allowed. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855905 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 13:09 | 2026-02-05 13:10 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6 times minimum. Qualifying DTI below maximum allowed - DTI 27.56%, max 50%. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855906 | xxxxxx | D | B | D | A | B | B | B | A | Closed | xxxxxx | 2026-02-04 12:15 | 2026-02-20 18:14 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Received liability insurance, DTI is 40.71% - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. (1) DTI exceeds maximum alllowed. (2) Missing evidence of xxxxxx for B1. Employment Contract states borrower is responsible for providing personal xxxxxx insurance. Per guides, the monthly premium for xxxxxx must be included in the DTI calculation. - Due Diligence Vendor-02/05/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Received liability insurance, DTI is 40.71% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 735, minimum required is 700 Months Reserves exceed minimum required - Borrowers have 7 months reserves, 1 month was required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855906 | xxxxxx | D | B | D | A | B | B | B | A | Closed | xxxxxx | 2026-02-04 19:15 | 2026-02-20 09:02 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Public assistance only - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. FEMA Post-closing Disaster. xxxxxx Incident Period: xxxxxx; Public Assistance. Post Disaster Inspection required. It should be noted that a 1004D is in file, dated xxxxxx, appears to be for the original appraisal on xxxxxx, that was performed "subject to" a xxxxxx per purchase contract. The appraiser did not address if the property was affected by the natural disaster that occured after the initial appraisal and prior to the completion report. - Due Diligence Vendor-02/05/2026 |
Resolved-Public assistance only - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 735, minimum required is 700 Months Reserves exceed minimum required - Borrowers have 7 months reserves, 1 month was required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855906 | xxxxxx | D | B | D | A | B | B | B | A | Closed | xxxxxx | 2026-02-04 12:13 | 2026-02-20 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-ACH provided and bank statement from xxxxxx was provided. - Due Diligence Vendor-02/20/2026 Counter-ACH provided is not for this loan. Please provide the Bank Statement and ACH. - Due Diligence Vendor-02/12/2026 Open-File does not contain all required Asset Statement(s). Missing a bank statement from xxxxxx with and ACH form. Per Other requirements and exclusions section of guides. (xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required). State Lending Matrix requires a footprint with xxxxxx - Due Diligence Vendor-02/04/2026 |
Resolved-ACH provided and bank statement from xxxxxx was provided. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 735, minimum required is 700 Months Reserves exceed minimum required - Borrowers have 7 months reserves, 1 month was required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855906 | xxxxxx | D | B | D | A | B | B | B | A | Closed | xxxxxx | 2026-02-04 11:45 | 2026-02-12 15:54 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received Liability Insurance. - Due Diligence Vendor-02/12/2026 Open-Missing evidence of xxxxxx for B1. Employment Contract states borrower is responsible for providing personal xxxxxx. Per guides, the monthly premium for xxxxxx must be included in the DTI calculation. Lender to provide a copy of the borrower's xxxxxx (and applicable premium for coverage) or a letter from the employer indicating the borrower is not responsible for their own xxxxxx. - Due Diligence Vendor-02/05/2026 |
Resolved-Received Liability Insurance. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 735, minimum required is 700 Months Reserves exceed minimum required - Borrowers have 7 months reserves, 1 month was required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855906 | xxxxxx | D | B | D | A | B | B | B | A | Closed | xxxxxx | 2026-02-04 11:06 | 2026-02-12 15:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Replacement Cost. - Due Diligence Vendor-02/12/2026 Open-Insufficient Coverage Amount for Insured Subject Property. Lender to provide documentation of 100% replacement cost from insurer or provide updated insurance policy with sufficient coverage. - Due Diligence Vendor-02/05/2026 |
Resolved-Received Replacement Cost. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 735, minimum required is 700 Months Reserves exceed minimum required - Borrowers have 7 months reserves, 1 month was required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855906 | xxxxxx | D | B | D | A | B | B | B | A | Closed | xxxxxx | 2026-02-04 15:27 | 2026-02-04 15:35 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 735, minimum required is 700 Months Reserves exceed minimum required - Borrowers have 7 months reserves, 1 month was required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855908 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 08:47 | 2026-02-12 15:24 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Individual xxxxxx. PDI required - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Months Reserves exceed minimum required - Min 6, actual 17.22 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855908 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-02-02 13:10 | 2026-02-05 13:43 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/05/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. Provide Public PDI or 1004D for FEMA disaster on xxxxxx.Individual xxxxxx finding xxxxxx - Due Diligence Vendor-02/05/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/05/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Months Reserves exceed minimum required - Min 6, actual 17.22 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855908 | xxxxxx | C | B | A | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 17:16 | 2026-02-04 17:17 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Months Reserves exceed minimum required - Min 6, actual 17.22 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855910 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-04 15:07 | 2026-08-25 09:01 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-Missing verification of rent for borrowers primary residence. - Due Diligence Vendor-02/04/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.9+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Qualifying DTI below maximum allowed - Required is 43 Borrower has 24.44 LTV is less than guideline maximum - Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855910 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-03 14:06 | 2026-02-20 16:31 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower stated on the 1003 that he rented his current residence for 1 year and 7 months paying $1,500 per month. The loan file does not contain a verification of rent. - Due Diligence Vendor-02/03/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.9+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Qualifying DTI below maximum allowed - Required is 43 Borrower has 24.44 LTV is less than guideline maximum - Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855910 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-05 08:16 | 2026-02-12 15:23 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Property is located in s FEMA disaster area for xxxxxx incident date xxxxxx and xxxxxx incident date xxxxxx. Post disaster inspection not in the file. - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.9+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Qualifying DTI below maximum allowed - Required is 43 Borrower has 24.44 LTV is less than guideline maximum - Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855910 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-04 17:19 | 2026-02-04 17:19 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.9+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Qualifying DTI below maximum allowed - Required is 43 Borrower has 24.44 LTV is less than guideline maximum - Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-01-29 11:21 | 2026-02-23 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/23/2026 Counter-Warranty Deed provided, please provide the Deed of Trust/Mortgage. - Due Diligence Vendor-02/12/2026 Open-The Deed of Trust is Missing Missing Deed of Trust - Due Diligence Vendor-01/29/2026 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 07:16 | 2026-02-20 16:39 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Counter-Received credit report. Missing Gap Credit Report - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. - Seller-02/18/2026 Counter-Review did not receive attached cure doc. - Due Diligence Vendor-02/18/2026 Counter-Gap Report was not attached. - Due Diligence Vendor-02/12/2026 Open-Borrower 2 Gap Credit Report is Missing Gap Credit Report is missing. - Due Diligence Vendor-02/04/2026 |
Ready for Review-Document Uploaded. - Seller-02/18/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 07:16 | 2026-02-20 16:39 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Counter-Received credit report. Missing Gap Credit Report - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. - Seller-02/18/2026 Counter-Review did not receive attached cure doc. - Due Diligence Vendor-02/18/2026 Counter-Gap Report was not attached. - Due Diligence Vendor-02/12/2026 Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is missing. - Due Diligence Vendor-02/04/2026 |
Ready for Review-Document Uploaded. - Seller-02/18/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 08:39 | 2026-02-12 15:12 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing credit report to determine the borrowers' liabilities. Also cannot determine DTI Status to be updated once received and reviewed. - Due Diligence Vendor-02/04/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 15:19 | 2026-02-12 15:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Received Credit Report. - Due Diligence Vendor-02/12/2026 Open-DTI cannot be determined sue to missing credit report - Due Diligence Vendor-02/04/2026 |
Resolved-Received Credit Report. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 07:16 | 2026-02-12 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Borrower 1 Credit Report - Due Diligence Vendor-02/12/2026 Open-Borrower 1 Credit Report is Missing. Credit Report is missing. Added liabilites based on the 1003 until credit report is received and can be reviewed. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Borrower 1 Credit Report - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 07:16 | 2026-02-12 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received Borrower 2 Credit Report - Due Diligence Vendor-02/12/2026 Open-Borrower 2 Credit Report is Missing. Credit Report is missing. Added liabilites based on the 1003 until credit report is received and can be reviewed. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Borrower 2 Credit Report - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 07:21 | 2026-02-12 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/12/2026 Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 08:32 | 2026-02-12 14:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Perm Res Card. - Due Diligence Vendor-02/12/2026 Open-Borrower Citizenship Documentation Is Missing Per the loan application, B2 is a permanent resident; however, the permanent resident card is missing from the file. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Perm Res Card. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855911 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-01-29 10:52 | 2026-02-04 17:30 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived------Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-01/29/2026 |
Waived------Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -2.5+ time minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787 Qualifying DTI below maximum allowed - Missing credit report in order to verify. Required is 50 Borrower has 35.83 Months Reserves exceed minimum required - No reserves required. Borrowers have 21 months reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855913 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-04 09:02 | 2026-02-12 14:49 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/04/2026 |
Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.04 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855913 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-04 17:25 | 2026-02-04 17:26 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.04 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855916 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-04 17:15 | 2026-02-04 17:15 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756 Required is 700 Borrower has 756 Months Reserves exceed minimum required - 8 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-04 09:04 | 2026-03-18 11:37 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO supporting value. - Due Diligence Vendor-03/18/2026 Counter-The CDA was not performed at time of closing, a BPO is required due to age of appraisal. - Due Diligence Vendor-03/02/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU and LCA are >2.5. File contains multiple LCA that are conflicting . A desk review is required to support the value. If CDA was not performed at time of closing, a BPO would be required due to age of appraisal - Due Diligence Vendor-02/26/2026 |
Resolved-Received BPO supporting value. - Due Diligence Vendor-03/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-04 10:00 | 2026-03-02 13:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received assets. Audited Reserves of 6.05 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/19/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) No asset statements provided in order to verify sufficient funds for closing and reserves. There is an activity statement for xxxxxx ending 2462 however it does not show account identifiers to link to the borrower and it does not cover two months. - Due Diligence Vendor-02/04/2026 |
Resolved-Received assets. Audited Reserves of 6.05 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-04 10:35 | 2026-03-02 13:04 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received compliance doc. ATR/QM status updated. - Due Diligence Vendor-02/19/2026 Counter-Pending receipt of additional compliance documentation. - Due Diligence Vendor-02/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Initial LE missing, pending TRID - Due Diligence Vendor-02/04/2026 |
Resolved-Received compliance doc. ATR/QM status updated. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-19 11:07 | 2026-02-20 16:42 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 4 Less Than 2 Months Verified | Waived--Client exception granted with comp factors. Statement provided shows starting balance consistent with ending balance. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Asset 4 Less Than 2 Months Verified *New* 1 months statement for xxxxxx < 2 months minimum required. - Due Diligence Vendor-02/19/2026 |
Waived--Client exception granted with comp factors. Statement provided shows starting balance consistent with ending balance. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-04 09:54 | 2026-02-19 11:07 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received assets. - Due Diligence Vendor-02/19/2026 Open-Total Qualified Assets Post-Close amount is '$-14926.22'. Assets are Insufficient. No asset statements provided matching assets reflected on Final 1003 in order to support sufficient funds for closing and/or reserves. There is an activity statement for xxxxxx ending 2462 however it does not show account identifiers to link to the borrower and it does not cover two months. - Due Diligence Vendor-02/04/2026 |
Resolved-Received assets. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-04 10:33 | 2026-02-19 11:07 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received 2 months bank statements. - Due Diligence Vendor-02/19/2026 Open-Asset 1 Less Than 2 Months Verified There is an activity statement for xxxxxx ending 2462 however it does not show account identifiers to link to the borrower and it does not cover two months. - Due Diligence Vendor-02/04/2026 |
Resolved-Received 2 months bank statements. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-04 17:12 | 2026-02-18 08:08 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved------Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/18/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-02/04/2026 |
Resolved------Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-18 08:05 | 2026-02-18 08:07 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-SOL has expired on xxxxxx - Due Diligence Vendor-02/18/2026 | Waived-SOL has expired on xxxxxx - Due Diligence Vendor-02/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-01-29 10:01 | 2026-02-12 08:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved------Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-02/12/2026 Open------ Missing all loan Estimates - Due Diligence Vendor-01/29/2026 |
Resolved------Received LE dated xxxxxx. Finding Resolved. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-01-29 09:52 | 2026-02-12 08:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-02/12/2026 Open-Homeownership Counseling Disclosure Is Missing ----- Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-01/29/2026 |
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-01-29 09:25 | 2026-02-04 14:07 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-02-04 10:00 | 2026-02-04 10:52 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/04/2026 Open-Missing Approval/Underwriting Summary No loan approval in file. - Due Diligence Vendor-02/04/2026 |
Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855917 | xxxxxx | D | B | C | B | D | B | C | A | Closed | xxxxxx | 2026-01-29 09:52 | 2026-01-29 10:44 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 |
Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-01/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.74 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855919 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-04 09:53 | 2026-02-20 07:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Proof the policy includes replacement cost coverage. - Due Diligence Vendor-02/20/2026 Open-Insufficient Coverage Amount for Insured Subject Property. Lender to provide documentation of 100% replacement cost from insurer or provide updated insurance policy with sufficient coverage. - Due Diligence Vendor-02/05/2026 Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-02/04/2026 |
Resolved-Proof the policy includes replacement cost coverage. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.57 Credit history exceeds minimum required - 0x30x82 credit history Residual Income =/> 1.5 times $3,500 monthly residual income - $15,861.28 residual income. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855919 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-04 12:43 | 2026-02-20 07:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Seller HUD received - Due Diligence Vendor-02/20/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/04/2026 |
Resolved-Seller HUD received - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.57 Credit history exceeds minimum required - 0x30x82 credit history Residual Income =/> 1.5 times $3,500 monthly residual income - $15,861.28 residual income. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855919 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-05 13:56 | 2026-02-20 07:48 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non-material finding with compensating factors. FEMA public disaster. - Due Diligence Vendor-02/19/2026 Open-xxxxxx Incident Period: xxxxxx; Public Assistance. Post Disaster inspection required. xxxxxx Incident Period: xxxxxx; Public Assistance. Post Disaster inspection required. - Due Diligence Vendor-02/05/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. FEMA public disaster. - Due Diligence Vendor-02/19/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.57 Credit history exceeds minimum required - 0x30x82 credit history Residual Income =/> 1.5 times $3,500 monthly residual income - $15,861.28 residual income. |
$15,861 residual income 20 months of reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855919 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-04 12:43 | 2026-02-20 07:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | File does not contain LOX for credit inquiries | Waived-Client waiver applied to non-material finding with compensating factors. Exception for inquiry letter. - Due Diligence Vendor-02/20/2026 Counter-Fraud Report provided to support no new open accounts, however an LOE from the borrower is required. - Due Diligence Vendor-02/19/2026 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-02/04/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. Exception for inquiry letter. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.57 Credit history exceeds minimum required - 0x30x82 credit history Residual Income =/> 1.5 times $3,500 monthly residual income - $15,861.28 residual income. |
$15,861 residual income 20 months of reserves. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855919 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-06 15:53 | 2026-02-18 11:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH form - Due Diligence Vendor-02/18/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH form - Due Diligence Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.57 Credit history exceeds minimum required - 0x30x82 credit history Residual Income =/> 1.5 times $3,500 monthly residual income - $15,861.28 residual income. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855919 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-04 12:38 | 2026-02-11 12:28 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Client provided a waiver for large deposits, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Source of xxxxxx large deposits on 6/1 $23K & 5/17 $25K not found. - Due Diligence Vendor-02/05/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Source of xxxxxx large deposits on 6/1 $23K & 5/17 $25K not found. - Due Diligence Vendor-02/05/2026 |
Waived-Client provided a waiver for large deposits, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.57 Credit history exceeds minimum required - 0x30x82 credit history Residual Income =/> 1.5 times $3,500 monthly residual income - $15,861.28 residual income. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855919 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-04 15:38 | 2026-02-04 15:39 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.57 Credit history exceeds minimum required - 0x30x82 credit history Residual Income =/> 1.5 times $3,500 monthly residual income - $15,861.28 residual income. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855922 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 10:55 | 2026-08-24 16:12 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Client provided CDA that validates appraised value - Due Diligence Vendor-02/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU/LCA scores > 2.5 - Due Diligence Vendor-02/04/2026 |
Resolved-Client provided CDA that validates appraised value - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves 163.66 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855922 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 13:17 | 2026-02-25 16:37 | Resolved | 1 - Information | C | A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved--Terms of HELOC and payment information provided. - Due Diligence Vendor-02/25/2026 Counter-Client provide the agreement terms of the HELOC, missing documentation for $120,000 draw as well as document the payment amount per lender statement - Due Diligence Vendor-02/23/2026 Open-Additionally, missing documents for additional HELOC draw of $120,000 reflected on Final 1003 liabilities. Audit used the amount shown on the 1003 to qualify. Missing copy of terms after the additional draw. - Due Diligence Vendor-02/04/2026 |
Resolved--Terms of HELOC and payment information provided. - Due Diligence Vendor-02/25/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves 163.66 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855922 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 13:14 | 2026-02-20 16:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved--Tax provided showing taxes paid annually. - Due Diligence Vendor-02/20/2026 Counter-Evidence of taxes paid for the primary, however it does not confirm if this annual/bi-annual/quarterly etc. - Due Diligence Vendor-02/12/2026 Open- Missing evidence of Taxes for REO xxxxxx as reflected on Final 1003. - Due Diligence Vendor-02/04/2026 |
Resolved--Tax provided showing taxes paid annually. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves 163.66 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855922 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 11:25 | 2026-02-17 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received xxxxxx confirming dates of employment. The dates support May 2024 search. - Due Diligence Vendor-02/17/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE. The lender must verify the existence of the borrower's business within 120 calendar days prior to the note date from a third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible; or by verifying a phone listing and address for the borrower's business using a telephone book, the internet, or directory assistance. The xxxxxx printout in file is not dated. - Due Diligence Vendor-02/04/2026 |
Resolved-Received xxxxxx confirming dates of employment. The dates support May 2024 search. - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves 163.66 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855922 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 11:56 | 2026-02-12 14:36 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx Incident Period: xxxxxx - Due Diligence Vendor-02/04/2026 |
Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves 163.66 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855922 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 16:53 | 2026-02-04 16:53 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx . SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx . SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves 163.66 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855922 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 11:56 | 2026-02-04 13:23 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/04/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx Incident Period: xxxxxx xxxxxx Incident Period: xxxxxx - Due Diligence Vendor-02/04/2026 |
Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.81 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves 163.66 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855924 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 09:41 | 2026-02-26 10:42 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Waived-Asset statement is in file, however the blueprint that is required per guides is not provided. Client wavier applied to non material finding with comp factors - Due Diligence Vendor-02/26/2026 Counter-Client provided Memo screen shot. No indication that this statement is from xxxxxx - Due Diligence Vendor-02/23/2026 Open-File does not contain all required Asset Statement(s). Missing a bank statement from xxxxxx with and ACH form. Per Other requirements and exclusions section of guides. (xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required). State Lending Matrix requires a footprint with xxxxxx. - Due Diligence Vendor-02/04/2026 |
Waived-Asset statement is in file, however the blueprint that is required per guides is not provided. Client wavier applied to non material finding with comp factors - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - DTI is 41.40% and max allowed is 50% Required is 50 Borrower has 41.4 Qualifying FICO score is at least 20 points above minimum for program - Score is 741 and minimum allowed is 700 Required is 700 Borrower has 741 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855924 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-26 10:38 | 2026-02-26 10:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Lender provided the ACH form - Due Diligence Vendor-02/26/2026 Open-Foreign National but the ACH form is Missing from file. ACH is missing from the file - Due Diligence Vendor-02/26/2026 |
Resolved-Lender provided the ACH form - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - DTI is 41.40% and max allowed is 50% Required is 50 Borrower has 41.4 Qualifying FICO score is at least 20 points above minimum for program - Score is 741 and minimum allowed is 700 Required is 700 Borrower has 741 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855924 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 09:27 | 2026-02-26 10:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-02/12/2026 Open-The Final SELLER CD/HUD is missing. Missing the Seller CD. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Seller CD. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - DTI is 41.40% and max allowed is 50% Required is 50 Borrower has 41.4 Qualifying FICO score is at least 20 points above minimum for program - Score is 741 and minimum allowed is 700 Required is 700 Borrower has 741 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855924 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 15:10 | 2026-02-20 17:10 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOR for primary residence. - Due Diligence Vendor-02/04/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - DTI is 41.40% and max allowed is 50% Required is 50 Borrower has 41.4 Qualifying FICO score is at least 20 points above minimum for program - Score is 741 and minimum allowed is 700 Required is 700 Borrower has 741 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855924 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 09:09 | 2026-02-20 16:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR for primary residence. - Due Diligence Vendor-02/04/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - DTI is 41.40% and max allowed is 50% Required is 50 Borrower has 41.4 Qualifying FICO score is at least 20 points above minimum for program - Score is 741 and minimum allowed is 700 Required is 700 Borrower has 741 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855924 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 07:48 | 2026-02-12 14:29 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Replacement Cost. - Due Diligence Vendor-02/12/2026 Open-Insufficient Coverage Amount for Insured Subject Property. The coverage is not sufficient. Provide commentary of 100% replacement cost. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Replacement Cost. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - DTI is 41.40% and max allowed is 50% Required is 50 Borrower has 41.4 Qualifying FICO score is at least 20 points above minimum for program - Score is 741 and minimum allowed is 700 Required is 700 Borrower has 741 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855924 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 16:50 | 2026-02-12 08:48 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-----SOL has expired. - Due Diligence Vendor-02/12/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations is 1 year; expiration date is xxxxxx. - Due Diligence Vendor-02/04/2026 |
Waived-----SOL has expired. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - DTI is 41.40% and max allowed is 50% Required is 50 Borrower has 41.4 Qualifying FICO score is at least 20 points above minimum for program - Score is 741 and minimum allowed is 700 Required is 700 Borrower has 741 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855925 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 13:26 | 2026-08-24 16:17 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Client provided CDA that validates appraised value - Due Diligence Vendor-02/23/2026 Open-Primary property value not substantiated. CU and LCA > 2.5. Review product required - Due Diligence Vendor-02/20/2026 |
Resolved-Client provided CDA that validates appraised value - Due Diligence Vendor-02/23/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 95 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855925 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 14:11 | 2026-02-23 08:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Client provided tax bill which shows nothing due however calculated by assessed value X tax rate. Property is xxxxxx there is no HOI - Due Diligence Vendor-02/23/2026 Open-Verification of taxes and insurance not provided for property xxxxxx. - Due Diligence Vendor-02/12/2026 |
Resolved-Client provided tax bill which shows nothing due however calculated by assessed value X tax rate. Property is xxxxxx there is no HOI - Due Diligence Vendor-02/23/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 95 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855925 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-13 07:56 | 2026-02-23 08:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Client provided ACH form - Due Diligence Vendor-02/23/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. The ACH form is missing from the file. - Due Diligence Vendor-02/13/2026 |
Resolved-Client provided ACH form - Due Diligence Vendor-02/23/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 95 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855925 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-13 08:00 | 2026-02-18 11:36 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/13/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 95 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855925 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-13 08:00 | 2026-02-13 08:04 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/25/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/13/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/25/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 95 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855925 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 13:11 | 2026-02-05 13:12 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 95 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855925 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-04 14:37 | 2026-02-04 14:37 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material findings. - Due Diligence Vendor-02/04/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material findings. - Due Diligence Vendor-02/04/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 95 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-12 13:07 | 2026-02-24 14:07 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further review, a Gap credit is in the file dated 12/4 - Due Diligence Vendor-02/24/2026 Ready for Review-Loan closed xxxxxx, Credit Report dated 9/5/24. xxxxxx inquiry was pulled xxxxxx. - Seller-02/23/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Loan closed xxxxxx, Credit Report dated 9/5/24. xxxxxx inquiry was pulled xxxxxx. - Seller-02/23/2026 |
Resolved-Upon further review, a Gap credit is in the file dated 12/4 - Due Diligence Vendor-02/24/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-12 12:57 | 2026-02-23 12:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Received xxxxxx confirmation of retirement benefits. - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Award Letter Missing. Missing xxxxxx Retirement Letter, 1099R or Monthly Pay Stub to support income of $6,485. If used evidence of Receipt income is only 5,666.49 Verified via Direct Deposit. - Due Diligence Vendor-02/12/2026 |
Resolved-Received xxxxxx confirmation of retirement benefits. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-12 13:44 | 2026-02-23 12:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter - Due Diligence Vendor-02/23/2026 Open-LOX for credit inquiries is missing. LOE for inquires is required. Additional findings may apply. - Due Diligence Vendor-02/12/2026 |
Resolved-Received credit inquiry letter - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-10 16:17 | 2026-02-20 19:43 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | ARM Disclosure is Missing | Waived--Waiver applied to non-material findings as SOL has expired. - Due Diligence Vendor-02/21/2026 Open-ARM Disclosure is Missing ----- Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/10/2026 |
Waived--Waiver applied to non-material findings as SOL has expired. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-10 16:17 | 2026-02-20 19:43 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Waived--Waiver applied to non-material findings as SOL has expired. - Due Diligence Vendor-02/21/2026 Open-Homeownership Counseling Disclosure Is Missing ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-02/10/2026 |
Waived--Waiver applied to non-material findings as SOL has expired. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-12 13:33 | 2026-02-20 19:07 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Audited DTI of 49.51% is less than or equal to Guideline DTI of 50%. Qualifying rate corrected. - Due Diligence Vendor-02/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited DTI exceeds Guideline DTI of 50%. Due to a higher arm qualifying term payment - Due Diligence Vendor-02/12/2026 |
Resolved-Audited DTI of 49.51% is less than or equal to Guideline DTI of 50%. Qualifying rate corrected. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-12 13:39 | 2026-02-20 19:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.51% is less than or equal to Guideline DTI of 50%. Qualifying rate corrected. - Due Diligence Vendor-02/21/2026 Open-Audited DTI of 52.11% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/12/2026 |
Resolved-Audited DTI of 49.51% is less than or equal to Guideline DTI of 50%. Qualifying rate corrected. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-13 12:47 | 2026-02-18 11:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for 3 mos reserves< 6 months required– wavier applied with reviewed compfactors - Due Diligence Vendor-02/18/2026 Open-Audited Reserves of 3.18 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/13/2026 |
Waived-Client provided a waiver for 3 mos reserves< 6 months required– wavier applied with reviewed compfactors - Due Diligence Vendor-02/18/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
FICO: 770>700 minimum required LTV: 90% <100% max allowed |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855927 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-10 16:17 | 2026-02-11 07:53 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/10/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-02/10/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. LTV is less than guideline maximum - LTV is 89.99% and max allowed is 100% Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855932 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-09 09:40 | 2026-02-25 17:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Client provided 1003 - Due Diligence Vendor-02/25/2026 Open-1. Missing final 1003 for both borrowers. Audit used information from the initial 1003s provided in file. Additional findings may apply. 2. Missing accurate employment history for B1 on 1003. 1003 notes borrower employed with current employer since xxxxxx which matches VOI. 1003 also notes employment with a third party from xxxxxx; however, file includes a 2023 W2 from same current employer (different entity name) that was not noted on 1003. Additional findings may apply. 3, Missing employment information on 1003 for B2 to match the 1008 net loss reported. Additional findings may apply. - Due Diligence Vendor-02/09/2026 |
Resolved-Client provided 1003 - Due Diligence Vendor-02/25/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.91 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855932 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-05 13:14 | 2026-02-20 14:15 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.91 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855932 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-05 13:16 | 2026-02-20 09:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-02/05/2026 |
Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.91 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855932 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-09 11:59 | 2026-02-18 11:47 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 Open-1. xxxxxx. Major Disaster Declaration declared on xxxxxx. Individual and public assistance. 2. xxxxxx. Major Disaster Declaration declared on xxxxxx. Public assistance only. - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.91 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855932 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-09 11:59 | 2026-02-18 11:47 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 Open-xxxxxx. Major Disaster Declaration declared on xxxxxx. Individual and public assistance. - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -6+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.91 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-12 13:28 | 2026-08-24 16:18 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Confirmation of employment provided. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/12/2026 |
Resolved--Confirmation of employment provided. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-07 20:59 | 2026-08-24 16:18 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-02/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-02/08/2026 |
Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-07 22:14 | 2026-02-20 18:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/20/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-02/08/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-07 22:24 | 2026-02-20 18:46 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-02/08/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-11 18:40 | 2026-02-13 17:00 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. Provide a PDI or 1004 D after xxxxxx - Due Diligence Vendor-02/11/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. - Due Diligence Vendor-02/11/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-11 18:40 | 2026-02-13 16:41 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Provide a PDI or 1004 D after xxxxxx - Due Diligence Vendor-02/11/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. - Due Diligence Vendor-02/11/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-04 12:19 | 2026-02-05 13:20 | Waived | 2 - Non-Material | B | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $115.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $115.00 (appraisal fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $115.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - X Year(s); Expiration Date: xxxxxx ** Client waiver applied, SOL has expired. ** - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $115.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $115.00 (appraisal fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $115.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - X Year(s); Expiration Date: xxxxxx ** Client waiver applied, SOL has expired. ** - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855933 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-05 13:18 | 2026-02-05 13:19 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4.5+ months times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 94.99 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 807; guidelines require 720. Required is 720 Borrower has 807 Months Reserves exceed minimum required - -31.23 months and 6 required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855942 | xxxxxx | C | B | B | B | B | B | C | B | Closed | xxxxxx | 2026-02-05 18:55 | 2026-02-12 14:24 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Individual xxxxxx requires PDI. - Due Diligence Vendor-02/05/2026 |
Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 759 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855942 | xxxxxx | C | B | B | B | B | B | C | B | Closed | xxxxxx | 2026-02-04 13:44 | 2026-02-05 13:54 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/05/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. Need a PDI or 1004 D-xxxxxx Incident Period: xxxxxx - Due Diligence Vendor-02/04/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 759 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855942 | xxxxxx | C | B | B | B | B | B | C | B | Closed | xxxxxx | 2026-02-04 13:48 | 2026-02-05 10:01 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/05/2026 Open-Missing Approval/Underwriting Summary No 1008 or loan approval in file. - Due Diligence Vendor-02/04/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 759 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855942 | xxxxxx | C | B | B | B | B | B | C | B | Closed | xxxxxx | 2026-02-04 15:52 | 2026-02-04 15:53 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.16 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 759 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855945 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-04 16:19 | 2026-02-04 16:20 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx . SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx . SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.95 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6,734.02; minimum required NONE |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855946 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 13:52 | 2026-02-20 18:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Qualifying rate corrected. DTI is 48.01% - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 53.39% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/04/2026 |
Resolved-Qualifying rate corrected. DTI is 48.01% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 794 and minimum allowed is 700 Required is 700 Borrower has 794 Months Reserves exceed minimum required - 12.9 months and 6 required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 67 months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855946 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 13:59 | 2026-02-20 18:26 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Qualifying rate corrected. DTI is 48.01% - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited DTI of 53.39% exceeds Guideline DTI of 50% . DTI exceeds the max allowed due to higher arm qualifying payment. - Due Diligence Vendor-02/04/2026 |
Resolved-Qualifying rate corrected. DTI is 48.01% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 794 and minimum allowed is 700 Required is 700 Borrower has 794 Months Reserves exceed minimum required - 12.9 months and 6 required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 67 months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855946 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 13:41 | 2026-02-18 17:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material. Borrower was residing in temporary rental housing prior to subject purchase and had prior mortgage history paid as agreed prior to sale of prior home. - Due Diligence Vendor-02/18/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing VOR for the primary residence. - Due Diligence Vendor-02/04/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material. Borrower was residing in temporary rental housing prior to subject purchase and had prior mortgage history paid as agreed prior to sale of prior home. - Due Diligence Vendor-02/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 794 and minimum allowed is 700 Required is 700 Borrower has 794 Months Reserves exceed minimum required - 12.9 months and 6 required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 67 months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855946 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-02 11:01 | 2026-02-04 16:06 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Tax Certification in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Tax Certification in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 794 and minimum allowed is 700 Required is 700 Borrower has 794 Months Reserves exceed minimum required - 12.9 months and 6 required. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 67 months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855947 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 14:03 | 2026-02-24 14:41 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Upon further review, only reserves were short to close which were waived. This is a duplicate finding - Due Diligence Vendor-02/24/2026 Open-Asset Record 3 Does Not Meet G/L Requirements According to the 1003 and Loan analysis in file, the borrower received 17k as a cash gift. File contains a xxxxxx with a balance of 5046 as of March 31st and 15, 046 a week later which appears to be from the gift. Provide all of the gift requirements or proof of what the large deposit was in order to qualify. Without using the additional 1k, loan is short reserves - Due Diligence Vendor-02/24/2026 |
Resolved-Upon further review, only reserves were short to close which were waived. This is a duplicate finding - Due Diligence Vendor-02/24/2026 |
Long term residence - 24.25 years in primary residence. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855947 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 14:44 | 2026-02-20 18:34 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Qualifying rate corrected. DTI below 50%. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI over 50% DTI. - Due Diligence Vendor-02/05/2026 |
Resolved-Qualifying rate corrected. DTI below 50%. - Due Diligence Vendor-02/20/2026 |
Long term residence - 24.25 years in primary residence. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855947 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 14:11 | 2026-02-20 18:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.64% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 54.78% exceeds Guideline DTI of 50% Loan is an Arm and must be qualify with the final qualifying Terms. Loan was originally qualify using the initial terms. - Due Diligence Vendor-02/05/2026 |
Resolved-Audited DTI of 47.64% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/20/2026 |
Long term residence - 24.25 years in primary residence. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855947 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 14:58 | 2026-02-11 12:16 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver Reserves, applied to non material finding with Reviewed comp factors - Due Diligence Vendor-02/11/2026 Open-Audited Reserves of 4.9 month(s) are less than Guideline Required Reserves of 6 month(s) Borrower is short of reserves, need evidence of sufficient assets to cover cash to close and reserves. - Due Diligence Vendor-02/05/2026 |
Waived-Client provided a waiver Reserves, applied to non material finding with Reviewed comp factors - Due Diligence Vendor-02/11/2026 |
Long term residence - 24.25 years in primary residence. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |
Reviewed Comp Factors - 730 FICO > 700 minimum required. 24.25 years in primary residence. | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855947 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-04 15:58 | 2026-02-04 15:59 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Long term residence - 24.25 years in primary residence. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855951 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-01-30 16:34 | 2026-02-20 14:12 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | Missing Attorney Preference Letter | Waived-Right To Choose Attorney or Attorney Preference Not In File -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 | Waived-Right To Choose Attorney or Attorney Preference Not In File -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 68.75 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.29 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855951 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-01-30 17:19 | 2026-02-20 14:12 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $609.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----SOL has expired. ---Zero (0%) tolerance fees increased by $609.75(credit report, tax service fee, transfer fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $609.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date:xxxxxx - Due Diligence Vendor-01/30/2026 | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $609.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----SOL has expired. ---Zero (0%) tolerance fees increased by $609.75(credit report, tax service fee, transfer fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $609.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date:xxxxxx - Due Diligence Vendor-01/30/2026 |
LTV is less than guideline maximum - Required is 90 Borrower has 68.75 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.29 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855953 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-02 10:24 | 2026-08-26 11:39 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived--SOL has expired as of xxxxxx. Event grade updated to 2/B. - Due Diligence Vendor-08/26/2026 Waived--Client exception granted to accepted waiver as C grade until SOL expires on xxxxxx. - Due Diligence Vendor-02/20/2026 Counter-----PCCD is more than 60 days after consummation of file. Finding Remains. - Due Diligence Vendor-02/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $619.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $619.00 Discount Points without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $618.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date:xxxxxx. - Due Diligence Vendor-02/02/2026 |
Waived--SOL has expired as of xxxxxx. Event grade updated to 2/B. - Due Diligence Vendor-08/26/2026 Waived--Client exception granted to accepted waiver as C grade until SOL expires on xxxxxx. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 LTV is less than guideline maximum - Required is 85 Borrower has 77.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.95 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 855953 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-02 11:38 | 2026-02-20 14:13 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-SOL has expired. - Due Diligence Vendor-02/20/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Tax Related Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-02/02/2026 |
Waived-SOL has expired. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 LTV is less than guideline maximum - Required is 85 Borrower has 77.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.95 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | ||
| 855953 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-04 16:08 | 2026-02-12 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/12/2026 Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 LTV is less than guideline maximum - Required is 85 Borrower has 77.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.95 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 855953 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-04 16:19 | 2026-02-12 14:08 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA post-closing disaster: xxxxxx Incident Period: xxxxxx Incident Period: xxxxxx. Post disaster inspection required. - Due Diligence Vendor-02/04/2026 |
Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 LTV is less than guideline maximum - Required is 85 Borrower has 77.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.95 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 855953 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-06 15:55 | 2026-02-12 14:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH and evidence of date opened. - Due Diligence Vendor-02/12/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH and evidence of date opened. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 LTV is less than guideline maximum - Required is 85 Borrower has 77.34 Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.95 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||
| 855957 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 14:19 | 2026-02-27 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Upon further review, the document provided contains all required information. - Due Diligence Vendor-02/27/2026 Counter-Documentation provided does not appear to have all pages/attachments. - Due Diligence Vendor-02/23/2026 Counter-Documentation provided does not appear to be all pages of the contract. - Due Diligence Vendor-02/12/2026 Open-Missing income documentation. Missing copy of an acceptable signed contract or job offer letter. Additional findings may apply. - Due Diligence Vendor-02/04/2026 |
Resolved-Upon further review, the document provided contains all required information. - Due Diligence Vendor-02/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700 Required is 700 Borrower has 773 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855957 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 16:14 | 2026-02-23 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received documentation of account being open. - Due Diligence Vendor-02/23/2026 Counter-ACH provided, however we are missing evidence of an account statement and proof account has been opened. - Due Diligence Vendor-02/12/2026 Open-File does not contain all required Asset Statement(s). Missing evidence of an account statement with xxxxxx and proof account has been opened per the guidelines . (ACH is required). - Due Diligence Vendor-02/04/2026 |
Resolved-Received documentation of account being open. - Due Diligence Vendor-02/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700 Required is 700 Borrower has 773 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855957 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 14:06 | 2026-02-20 07:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-The qualifying rate was changed to initial terms. DTI is now 40.37% - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 44.08% exceeds Guideline DTI of 43% . Due to higher qualifying payment for an ARM program. - Due Diligence Vendor-02/14/2026 |
Resolved-The qualifying rate was changed to initial terms. DTI is now 40.37% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700 Required is 700 Borrower has 773 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855957 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 16:15 | 2026-02-20 07:00 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The qualifying rate was changed to initial terms. DTI is now 40.37% - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 44.08% exceeds Guideline DTI of 43%. Due to higher qualifying payment for an ARM program. - Due Diligence Vendor-02/04/2026 |
Resolved-The qualifying rate was changed to initial terms. DTI is now 40.37% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700 Required is 700 Borrower has 773 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855957 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 13:51 | 2026-02-12 13:59 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Property is located in a FEMA disaster are for xxxxxx with an incident date of xxxxxx and xxxxxx with an incident date of xxxxxx. Post disaster inspection not in the file. - Due Diligence Vendor-02/05/2026 |
Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700 Required is 700 Borrower has 773 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855957 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-04 16:48 | 2026-02-04 16:48 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700 Required is 700 Borrower has 773 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855958 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-06 16:38 | 2026-02-17 11:58 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have over $17,000 in residual income per month. Verified employment history exceeds guidelines - Borrower's employment exceeds 2 yrs minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855958 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-06 16:38 | 2026-02-17 11:58 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-02/17/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-02/06/2026 |
Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have over $17,000 in residual income per month. Verified employment history exceeds guidelines - Borrower's employment exceeds 2 yrs minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855958 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-12 13:41 | 2026-02-17 11:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver for DTI of 53.77% > 50.00% allowed– wavier applied with reviewed compfactors - Due Diligence Vendor-02/17/2026 Open-Audited DTI of 53.77% exceeds Guideline DTI of 50% *New* Received Credit report. Consumer debt added to liabilities that was not considered in the initial review. - Due Diligence Vendor-02/12/2026 |
Waived-Client provided a waiver for DTI of 53.77% > 50.00% allowed– wavier applied with reviewed compfactors - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have over $17,000 in residual income per month. Verified employment history exceeds guidelines - Borrower's employment exceeds 2 yrs minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 |
FICO: 732>700 minimum required Residual Income: $17,000 verified. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855958 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-04 15:35 | 2026-02-12 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/12/2026 Open-Borrower 1 Credit Report is Missing. Credit refresh in file; however, the initial credit report with scores is missing. - Due Diligence Vendor-02/04/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have over $17,000 in residual income per month. Verified employment history exceeds guidelines - Borrower's employment exceeds 2 yrs minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855958 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-04 15:35 | 2026-02-12 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/12/2026 Open-Borrower 2 Credit Report is Missing. Credit refresh in file; however, the initial credit report with scores is missing. - Due Diligence Vendor-02/04/2026 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Borrowers have over $17,000 in residual income per month. Verified employment history exceeds guidelines - Borrower's employment exceeds 2 yrs minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 732 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855962 | xxxxxx | D | A | D | A | B | A | A | A | Closed | xxxxxx | 2026-02-06 16:40 | 2026-02-20 17:12 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received credit documentation. - Due Diligence Vendor-02/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved-Received credit documentation. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.3 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855962 | xxxxxx | D | A | D | A | B | A | A | A | Closed | xxxxxx | 2026-02-06 16:40 | 2026-02-20 17:12 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received credit documentation. - Due Diligence Vendor-02/12/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-02/06/2026 |
Resolved-Received credit documentation. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.3 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855962 | xxxxxx | D | A | D | A | B | A | A | A | Closed | xxxxxx | 2026-01-30 11:26 | 2026-02-20 14:44 | Resolved | 1 - Information | B | A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.47% is within allowable threshold of APOR of 7.31% + 1.75% or 9.06% - Due Diligence Vendor-02/20/2026 Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.47% is within allowable threshold of APOR of 7.31% + 1.75% or 9.06% - Due Diligence Vendor-01/30/2026 |
Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.47% is within allowable threshold of APOR of 7.31% + 1.75% or 9.06% - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.3 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855962 | xxxxxx | D | A | D | A | B | A | A | A | Closed | xxxxxx | 2026-02-04 18:17 | 2026-02-12 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage Statement. - Due Diligence Vendor-02/12/2026 Open-Missing verification of taxes, HOI, and HOA on REO xxxxxx. - Due Diligence Vendor-02/05/2026 |
Resolved-Received Mortgage Statement. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.3 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855962 | xxxxxx | D | A | D | A | B | A | A | A | Closed | xxxxxx | 2026-02-06 15:56 | 2026-02-12 12:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.3 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855964 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-09 09:32 | 2026-08-24 16:20 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Initial Closing Disclosure - Due Diligence Vendor-02/09/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.2 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 748 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855964 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-06 11:13 | 2026-08-24 16:20 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Client provided CDA that supports value - Due Diligence Vendor-02/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU in file > 2.5. Desk review is required to support value. - Due Diligence Vendor-02/06/2026 |
Resolved-Client provided CDA that supports value - Due Diligence Vendor-02/23/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.2 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 748 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855964 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-20 09:55 | 2026-02-20 14:15 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. SOL expired xxxxxx - Due Diligence Vendor-02/20/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. SOL expired xxxxxx - Due Diligence Vendor-02/20/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.2 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 748 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855964 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-04 12:23 | 2026-02-20 09:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 Counter------Received copy of Seller's CD. Need copy of initial CD dated 3 days prior to closing. - Due Diligence Vendor-02/18/2026 Open-Missing initial closing disclosure: unable to test fees and tolerances. Additional findings may apply. - Due Diligence Vendor-02/04/2026 |
Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.2 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 748 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855964 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-06 12:03 | 2026-02-12 12:39 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx Incident Period: xxxxxx xxxxxx Incident Period: xxxxxx - Due Diligence Vendor-02/06/2026 |
Resolved-PDI provided with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.2 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 748 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855965 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-13 08:23 | 2026-02-20 18:56 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing LOE for rent free for the primary residence for the recent 6 months. - Due Diligence Vendor-02/13/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying DTI below maximum allowed - 35.07% DTI, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Score is 763 and minimum allowed is 700. Required is 700 Borrower has 763 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855965 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-13 09:15 | 2026-02-18 11:52 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. Public FEMA disaster after appraisal without a PDI or 1004D for county of xxxxxx. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/13/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying DTI below maximum allowed - 35.07% DTI, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Score is 763 and minimum allowed is 700. Required is 700 Borrower has 763 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855965 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-13 09:15 | 2026-02-18 11:52 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Individual FEMA disaster after appraisal without a PDI or 1004D for county of xxxxxx. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/13/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/18/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying DTI below maximum allowed - 35.07% DTI, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Score is 763 and minimum allowed is 700. Required is 700 Borrower has 763 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855965 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-02-05 12:42 | 2026-02-05 12:43 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. Qualifying DTI below maximum allowed - 35.07% DTI, max 43%. Qualifying FICO score is at least 20 points above minimum for program - Score is 763 and minimum allowed is 700. Required is 700 Borrower has 763 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855966 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-05 07:17 | 2026-02-20 18:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-qualifying rate corrected. DTI 48.61%. - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 50.77% exceeds Guideline DTI of 50% Loan is ARM loan and guidelines require using the Greater of Start Rate or Fully Indexed Rate at FULLY Amortized Payment to calculate P&I. Lender used initial rate. 1008 lists DTI as 48.610% actual DTI is 50.77%. Maximum allowable DTI is 50.77%. - Due Diligence Vendor-02/05/2026 |
Resolved-qualifying rate corrected. DTI 48.61%. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 15.81 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 770 Required is 720 Borrower has 770 |
770 FICO > 720 minimum required 15.81 months reserves > 6 months minimum required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 855966 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-06 16:44 | 2026-02-20 18:36 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit Finding has been resolved. - Due Diligence Vendor-02/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved-Credit Finding has been resolved. - Due Diligence Vendor-02/12/2026 |
Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 15.81 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 770 Required is 720 Borrower has 770 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855966 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-06 16:44 | 2026-02-20 18:36 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-qualifying rate corrected. DTI 48.61%. - Due Diligence Vendor-02/20/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-02/06/2026 |
Resolved-qualifying rate corrected. DTI 48.61%. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 15.81 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 770 Required is 720 Borrower has 770 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855966 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-05 08:39 | 2026-02-20 16:56 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived--Client exception granted. Waiver applied to non-material finding as SOL has expired. - Due Diligence Vendor-02/20/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. - Due Diligence Vendor-02/05/2026 |
Waived--Client exception granted. Waiver applied to non-material finding as SOL has expired. - Due Diligence Vendor-02/20/2026 |
Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 15.81 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 770 Required is 720 Borrower has 770 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855972 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 16:45 | 2026-02-20 17:13 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--VVOE confirmation provided. - Due Diligence Vendor-02/20/2026 Counter-Email from the borrower is not sufficient as the verification would need to be the date the VVOE was performed. - Due Diligence Vendor-02/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved--VVOE confirmation provided. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.48 LTV is less than guideline maximum - Required is 100 Borrower has 95 Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855972 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 16:45 | 2026-02-20 17:13 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved--VVOE confirmation provided. - Due Diligence Vendor-02/20/2026 Counter-Email from the borrower is not sufficient as the verification would need to be the date the VVOE was performed. - Due Diligence Vendor-02/12/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-02/06/2026 |
Resolved--VVOE confirmation provided. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.48 LTV is less than guideline maximum - Required is 100 Borrower has 95 Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855972 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 11:04 | 2026-02-20 16:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved--Post-Close VVOE confirms borrower employment. - Due Diligence Vendor-02/20/2026 Counter-Email from the borrower is not sufficient as the verification would need to be the date the VVOE was performed. - Due Diligence Vendor-02/12/2026 Open-VVOE in file not dated. - Due Diligence Vendor-02/05/2026 |
Resolved--Post-Close VVOE confirms borrower employment. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.48 LTV is less than guideline maximum - Required is 100 Borrower has 95 Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855972 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-30 12:43 | 2026-02-20 14:38 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/30/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). -----Client waiver applied to non-material Findings - Due Diligence Vendor-01/30/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.48 LTV is less than guideline maximum - Required is 100 Borrower has 95 Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855972 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 08:43 | 2026-02-05 08:44 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 Required is 700 Borrower has 777 Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.48 LTV is less than guideline maximum - Required is 100 Borrower has 95 Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855973 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-02 08:05 | 2026-02-23 07:26 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Fully executed letter provided. The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/23/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of income. Letter provided is missing rate of pay and the borrowers signature. - Due Diligence Vendor-02/02/2026 |
Resolved-Fully executed letter provided. The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.43 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 65 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 700. Required is 700 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855973 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-02 07:37 | 2026-02-23 07:22 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Client provided fully executed employment letter that includes Annual Salary - Due Diligence Vendor-02/23/2026 Open-Income documentation does not meet guidelines. The offer Letter obtained for future employment must clearly identify the terms of employment, including position, type and rate of pay, and start date. Letter provided is missing rate of pay and the borrowers signature. - Due Diligence Vendor-02/02/2026 |
Resolved-Client provided fully executed employment letter that includes Annual Salary - Due Diligence Vendor-02/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.43 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 65 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 700. Required is 700 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855973 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-02 08:29 | 2026-02-20 18:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Qualifying payment corrected. Audited DTI of 43.43% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 50.57% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/02/2026 |
Resolved-Qualifying payment corrected. Audited DTI of 43.43% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.43 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 65 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 700. Required is 700 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855973 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-02 08:29 | 2026-02-20 17:02 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing letter of explanation | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Missing letter of explanation for living rent free. Required per xxxxxx guidelines. - Due Diligence Vendor-02/02/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.43 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 65 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 700. Required is 700 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855973 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-04 13:29 | 2026-02-12 12:12 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-Property is located in a FEMA disaster for xxxxxx with an incident date of xxxxxx. Post disaster inspection not in the file. - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.43 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 65 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 700. Required is 700 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855973 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-04 16:46 | 2026-02-04 16:46 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.43 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 65 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 746 and minimum allowed is 700. Required is 700 Borrower has 746 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855977 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-13 07:21 | 2026-03-04 10:29 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-The appraisal was made subject to xxxxxx however, the appraiser indicated a final inspection was not required. - Due Diligence Vendor-03/04/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Completion Report not found in file. - Due Diligence Vendor-02/13/2026 |
Resolved-The appraisal was made subject to xxxxxx however, the appraiser indicated a final inspection was not required. - Due Diligence Vendor-03/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.3+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Months Reserves exceed minimum required - 17 months reserves exceed 6 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855977 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-13 13:24 | 2026-03-04 10:27 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit profile, income, assets and residual income confirm ability to repay. - Due Diligence Vendor-02/25/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/13/2026 |
Resolved--Borrower credit profile, income, assets and residual income confirm ability to repay. - Due Diligence Vendor-02/25/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.3+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Months Reserves exceed minimum required - 17 months reserves exceed 6 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855977 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-13 08:57 | 2026-02-25 16:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/25/2026 Open-Audited DTI of 48.79% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/21/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/25/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.3+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Months Reserves exceed minimum required - 17 months reserves exceed 6 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855977 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-13 08:08 | 2026-02-24 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-02/24/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/13/2026 |
Resolved-Received VVOE. - Due Diligence Vendor-02/24/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.3+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Months Reserves exceed minimum required - 17 months reserves exceed 6 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855977 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-05 10:17 | 2026-02-20 19:41 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived--SOL has expired. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax related service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-02/05/2026 |
Waived--SOL has expired. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.3+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Months Reserves exceed minimum required - 17 months reserves exceed 6 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855977 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-04 14:05 | 2026-02-04 14:16 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '14'). -----Client waiver applied to non-material Findings - Due Diligence Vendor-02/04/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '14'). -----Client waiver applied to non-material Findings - Due Diligence Vendor-02/04/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -3.3+ times minimum required. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Months Reserves exceed minimum required - 17 months reserves exceed 6 months reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-05 11:42 | 2026-08-25 12:41 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Per 1003, borrower renting for 1 year and 1 month paying $2,100 per month. The loan file is missing the verification of rent. - Due Diligence Vendor-02/05/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-06 16:46 | 2026-08-24 16:15 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Employment findings resolved. - Due Diligence Vendor-02/20/2026 Counter-Pending resolution of the Employment finding. - Due Diligence Vendor-02/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved-Employment findings resolved. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-06 16:46 | 2026-08-24 16:15 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Employment findings resolved. - Due Diligence Vendor-02/20/2026 Counter-Pending resolution of the Employment finding. - Due Diligence Vendor-02/12/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-02/06/2026 |
Resolved-Employment findings resolved. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-05 09:02 | 2026-08-24 16:14 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-CDA supporting value provided. - Due Diligence Vendor-02/20/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. Additional valuation product is required. CU and LCA are >2.5 - Due Diligence Vendor-02/05/2026 |
Resolved-CDA supporting value provided. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-05 09:25 | 2026-02-20 07:26 | Resolved | 1 - Information | D | A | Credit | Eligibility | Borrower 1 Gap Employment Letter Missing | Resolved-The 1008 indicates there was a small gap of employment, the borrower finished his fellowship and moved to a different state prior to starting emplyment. - Due Diligence Vendor-02/20/2026 Open-Borrower 1 Gap Employment Letter Missing Borrower has gap in employment from 7/1/23 - 9/20/23 with no documentation in file to support. - Due Diligence Vendor-02/05/2026 |
Resolved-The 1008 indicates there was a small gap of employment, the borrower finished his fellowship and moved to a different state prior to starting emplyment. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-05 09:25 | 2026-02-20 07:23 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Current employment is verified, the prior W2 provided for previous job. - Due Diligence Vendor-02/20/2026 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months B1 employment history documented from 7/1/22 - 7/1/23 and 9/20/23 - Current. That only provides 20 months of employment history. - Due Diligence Vendor-02/05/2026 |
Resolved-Current employment is verified, the prior W2 provided for previous job. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-06 15:57 | 2026-02-19 10:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received signed ACH. - Due Diligence Vendor-02/19/2026 Counter-Received ACH form, however it is not signed. Finding remains. - Due Diligence Vendor-02/12/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received signed ACH. - Due Diligence Vendor-02/19/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855983 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-02-02 00:24 | 2026-02-12 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received I-797A - Due Diligence Vendor-02/12/2026 Open-Borrower Citizenship Documentation Is Missing Borrower Final 1003 reflects both borrowers as Non Permanent Resident alien with no documentation provided to support. - Due Diligence Vendor-02/05/2026 |
Resolved-Received I-797A - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -16+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.9 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.15 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855985 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 12:44 | 2026-02-20 17:14 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855985 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 12:44 | 2026-02-20 17:14 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-02/19/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-02/06/2026 |
Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855985 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 12:37 | 2026-02-20 12:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 100% is less than or equal to Guideline LTV of 100% - Due Diligence Vendor-02/20/2026 Open-Audited LTV of 101.72% exceeds Guideline LTV of 100% Condition added for Appraisal low value. - Due Diligence Vendor-02/06/2026 |
Resolved-Audited LTV of 100% is less than or equal to Guideline LTV of 100% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855985 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 12:59 | 2026-02-11 13:03 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, no further documentation is required. - Due Diligence Vendor-02/11/2026 Open-Purchased REO per LOE and MERS shows loan date, but no docs found evidencing purchased on that date to use lease income for rental income. - Due Diligence Vendor-02/11/2026 |
Resolved-Upon further review, no further documentation is required. - Due Diligence Vendor-02/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855985 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 08:48 | 2026-02-05 08:49 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855990 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 12:18 | 2026-02-05 12:18 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 813; guidelines require 700 Required is 700 Borrower has 813 LTV is less than guideline maximum - Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - Qualifying DTI 33.19%; max allowable 50%. Required is 50 Borrower has 33.19 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855991 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 16:05 | 2026-02-24 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received printout of account considered for ACH. - Due Diligence Vendor-02/24/2026 Counter-ACH provided. Please provide evidence of an account statement with xxxxxx and proof account has been opened per the guidelines - Due Diligence Vendor-02/12/2026 Open-File does not contain all required Asset Statement(s). Missing evidence of an account statement with xxxxxx and proof account has been opened per the guidelines . (ACH is required). - Due Diligence Vendor-02/02/2026 |
Resolved-Received printout of account considered for ACH. - Due Diligence Vendor-02/24/2026 |
Qualifying DTI below maximum allowed - DTI is 37.28 % and max allowed is 50% Required is 50 Borrower has 37.28 Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 720. Required is 720 Borrower has 803 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855991 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 14:57 | 2026-02-22 18:44 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-02/22/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU over 2.5. - Due Diligence Vendor-02/04/2026 |
Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-02/22/2026 |
Qualifying DTI below maximum allowed - DTI is 37.28 % and max allowed is 50% Required is 50 Borrower has 37.28 Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 720. Required is 720 Borrower has 803 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855991 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 15:51 | 2026-02-12 11:56 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. 1. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx 2. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx 3. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx. - Due Diligence Vendor-02/04/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - DTI is 37.28 % and max allowed is 50% Required is 50 Borrower has 37.28 Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 720. Required is 720 Borrower has 803 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855991 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-04 16:42 | 2026-02-04 16:44 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
Qualifying DTI below maximum allowed - DTI is 37.28 % and max allowed is 50% Required is 50 Borrower has 37.28 Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 720. Required is 720 Borrower has 803 LTV is less than guideline maximum - LTV is 90% and max allowed is 100% Required is 100 Borrower has 90 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855998 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-06 15:58 | 2026-02-12 11:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH - Due Diligence Vendor-02/12/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855998 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 10:43 | 2026-02-12 11:47 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx, and xxxxxx. Disaster declared xxxxxx-Individual and public. PDI is required - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855998 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 08:55 | 2026-02-05 08:56 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.73 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 15:42 | 2026-02-26 10:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Lender provided a Copy of the I797B that shows its is for the borrower - Due Diligence Vendor-02/26/2026 Counter-Received Case Status Printout from xxxxxx. Printout does not reflect borrower information. Original finding remains. - Due Diligence Vendor-02/26/2026 Open-Borrower Citizenship Documentation Is Missing Missing proof of Non Permanent Residence Documentation - Provide unexpired l Employment Authorization Document (EAD), valid work visa (xxxxxx, etc.), Green Card, or passport with I-551/entry stamps, allowing borrower to qualify for mortgages. - Due Diligence Vendor-02/05/2026 |
Resolved-Lender provided a Copy of the I797B that shows its is for the borrower - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 16:42 | 2026-02-26 08:50 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Lender provided proof of HOA dues for DTI - Due Diligence Vendor-02/26/2026 Counter-Pending Reo finding - Due Diligence Vendor-02/23/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved-Lender provided proof of HOA dues for DTI - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 11:29 | 2026-02-26 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided xxxxxx listing which supports the 517.00 monthly HOA fee - Due Diligence Vendor-02/26/2026 Counter-Received Mortgage statement that appear to include escrows, but figure does not match taxes and insurance provided. 1003 reflect 517 in escrows, unable to confirm figure with documents provided. Property also appear to be a xxxxxx, Missing proof of HOA. - Due Diligence Vendor-02/23/2026 Open-Missing evidence of taxes/insurance on REO xxxxxx, as reflected on Final 1003. - Due Diligence Vendor-02/05/2026 |
Resolved-Lender provided xxxxxx listing which supports the 517.00 monthly HOA fee - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 11:23 | 2026-02-20 14:38 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. Provide a PDI or 1004D confirming no Damage after the following disaster xxxxxx) Incident Period: xxxxxx xxxxxx) Incident Period: xxxxxx - Due Diligence Vendor-02/05/2026 |
Waived-Client waiver applied to non material finding with comp factors - Due Diligence Vendor-02/06/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 11:23 | 2026-02-12 11:44 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Provide a PDI or 1004D confirming no Damage after the following disaster xxxxxx) Incident Period: xxxxxx xxxxxx) Incident Period: xxxxxx - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 17:12 | 2026-02-11 11:53 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver Reserves, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 Open-Audited Reserves of 2.47 month(s) are less than Guideline Required Reserves of 6 month(s) 6 Months of reserves is require and borrower is short of funds to cover the reserves. - Due Diligence Vendor-02/05/2026 |
Waived-Client provided a waiver Reserves, applied to non material finding with reviewed comp factors - Due Diligence Vendor-02/11/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
Reviewed comp factors - 16.63% DTI < 43% maximum allowed. 777 FICO > 700 minimum required. | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-01 20:12 | 2026-02-11 08:06 | Resolved | 1 - Information | C | A | Compliance | Closing | Loan Origination Company NMLS Status is Not Active | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/11/2026 Open-Loan Origination Company NMLS Status is Not Active NOT LISTED IN xxxxxx - Due Diligence Vendor-02/02/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/11/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-01 20:12 | 2026-02-11 08:06 | Resolved | 1 - Information | C | A | Compliance | Closing | Loan Originator NMLS Status is Not Active | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/11/2026 Open-Loan Originator NMLS Status is Not Active NOT LISTED IN xxxxxx - Due Diligence Vendor-02/02/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/11/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855999 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 09:23 | 2026-02-05 09:24 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.14 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856001 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 14:11 | 2026-02-23 12:58 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-02/23/2026 Counter-Document was not attached. - Due Diligence Vendor-02/22/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-02/05/2026 |
Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-02/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.59 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 LTV is less than guideline maximum - Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856001 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 14:02 | 2026-02-12 11:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received Revised Appraisal. - Due Diligence Vendor-02/12/2026 Open-Corrected appraisal as PUD not found in file. Correction not found on 1004D similarly. - Due Diligence Vendor-02/05/2026 |
Resolved-Received Revised Appraisal. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.59 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 LTV is less than guideline maximum - Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856001 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 09:39 | 2026-02-05 09:48 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.59 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 LTV is less than guideline maximum - Required is 100 Borrower has 95 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856002 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-01 16:07 | 2026-02-12 09:15 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID Total of Payments Test | Waived------SOL has expired. SOL was verified at 1 year. - Due Diligence Vendor-02/12/2026 Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(o)(1) )The total of payments is $1,193,125.64. The disclosed total of payments of $1,150,091.83 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. ----- ADDRESSED IN OTHER FINDING - Due Diligence Vendor-02/01/2026 |
Waived------SOL has expired. SOL was verified at 1 year. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.84 Required is 50 Borrower has 23.84 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 22.92 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 Required is 700 Borrower has 723 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856002 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-01 16:07 | 2026-02-12 09:04 | Waived | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Waived-----SOL has expired - Due Diligence Vendor-02/12/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $753,146.15. The disclosed finance charge of $710,112.34 is not considered accurate because it is understated by more than $100. ----- This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $753,146.15. The disclosed finance charge of $ 710,112.34is not considered accurate because it is understated by more than $100 at $43,033.81. Provide evidence of refund or principal reduction of $43,033.81, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-02/01/2026 |
Waived-----SOL has expired - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.84 Required is 50 Borrower has 23.84 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 22.92 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 Required is 700 Borrower has 723 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856002 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-05 09:53 | 2026-02-05 09:57 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.84 Required is 50 Borrower has 23.84 Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 22.92 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 Required is 700 Borrower has 723 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-09 05:53 | 2026-03-25 17:25 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided a BPO which supports the value - Due Diligence Vendor-03/25/2026 Counter-Document was not attached, please provide a BPO. - Due Diligence Vendor-02/27/2026 Counter-A Desk review was provided, however, due to the age of the appraisal, a BPO would be required - Due Diligence Vendor-02/26/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Both the CU and LCA scores are > 2.5. - Due Diligence Vendor-02/09/2026 |
Resolved-Lender provided a BPO which supports the value - Due Diligence Vendor-03/25/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-09 16:46 | 2026-02-20 17:17 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/09/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-07 11:04 | 2026-02-20 17:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR for the current primary residence. - Due Diligence Vendor-02/09/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-20 10:07 | 2026-02-20 17:09 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That Cannot Increase Test | Waived--Client exception granted accepting as C grade until SOL expires on xxxxxx - Due Diligence Vendor-02/20/2026 Open-****NEW****---Zero (0%) tolerance fees increased by $1,330.00 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,330.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,330.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/20/2026 |
Waived--Client exception granted accepting as C grade until SOL expires on xxxxxx - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-05 10:08 | 2026-02-20 14:14 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-01 13:29 | 2026-02-20 10:11 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 Open------ There is no evidence in file to determine if CD was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-02/01/2026 |
Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-01 12:28 | 2026-02-18 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-02/18/2026 Open-Borrower Citizenship Documentation Is Missing. Provide documentation to support citizenship for a permanent resident alien. - Due Diligence Vendor-02/01/2026 |
Resolved-Received Permanent Resident Card. - Due Diligence Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-07 11:14 | 2026-02-12 11:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 Open-Foreign National but the ACH form is Missing from file. The ACH form is Missing from file. xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH form is required. - Due Diligence Vendor-02/07/2026 |
Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-07 11:14 | 2026-02-12 11:37 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856005 | xxxxxx | D | C | D | B | C | C | C | B | Closed | xxxxxx | 2026-02-07 11:14 | 2026-02-09 07:41 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/09/2026 |
Waived-Public assistance - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 31.32 On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 20 months. Qualifying FICO score is at least 20 points above minimum for program - Score is 773 and minimum allowed is 700. Required is 700 Borrower has 773 Residual Income =/> 1.5 times $3,500 monthly residual income - -4+ times minimum. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856006 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-06 09:44 | 2026-02-12 11:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation, 100% replacement cost. - Due Diligence Vendor-02/12/2026 Open-Insufficient Coverage Amount for Insured Subject Property. coverage xxxxxx required coverage $xxxxxx- Due Diligence Vendor-02/06/2026 |
Resolved-Received confirmation, 100% replacement cost. - Due Diligence Vendor-02/12/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.44 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856006 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-05 10:16 | 2026-02-05 10:17 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Required is 700 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.44 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856007 | xxxxxx | C | B | C | B | B | B | C | B | Closed | xxxxxx | 2026-02-06 13:07 | 2026-02-12 11:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-02/12/2026 Open-Foreign National but the ACH form is Missing from file. ACH form is Missing from file. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower has a 738 FICO. LTV is less than guideline maximum - Maximum LTV is 100%. Subject LTV is 95%. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856007 | xxxxxx | C | B | C | B | B | B | C | B | Closed | xxxxxx | 2026-02-06 13:07 | 2026-02-12 11:32 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx. Continuing; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower has a 738 FICO. LTV is less than guideline maximum - Maximum LTV is 100%. Subject LTV is 95%. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856007 | xxxxxx | C | B | C | B | B | B | C | B | Closed | xxxxxx | 2026-02-09 08:36 | 2026-02-09 08:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator Waiver applied to Non-Material Finding - Audited DTI of 46.31% exceeds Guideline DTI of 43% DTI exceeds guidelines. Approved exception in file. Non-material based on comp factors. - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 46.31% exceeds Guideline DTI of 43% DTI exceeds guidelines. Approved exception in file. Non-material based on comp factors. - Due Diligence Vendor-02/09/2026 |
Waived-Originator Waiver applied to Non-Material Finding - Audited DTI of 46.31% exceeds Guideline DTI of 43% DTI exceeds guidelines. Approved exception in file. Non-material based on comp factors. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower has a 738 FICO. LTV is less than guideline maximum - Maximum LTV is 100%. Subject LTV is 95%. |
No comp factors provided. | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 856007 | xxxxxx | C | B | C | B | B | B | C | B | Closed | xxxxxx | 2026-02-06 13:07 | 2026-02-09 08:43 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx continuing; Public Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/06/2026 |
Waived-Public assistance - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower has a 738 FICO. LTV is less than guideline maximum - Maximum LTV is 100%. Subject LTV is 95%. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856007 | xxxxxx | C | B | C | B | B | B | C | B | Closed | xxxxxx | 2026-02-05 10:19 | 2026-02-05 10:19 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower has a 738 FICO. LTV is less than guideline maximum - Maximum LTV is 100%. Subject LTV is 95%. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856010 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-04 16:35 | 2026-02-28 11:12 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-SOL has expired. Client waiver applied o non material finding with comp factors - Due Diligence Vendor-02/28/2026 Open------Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations is 1 year; expiration date is xxxxxx. - Due Diligence Vendor-02/04/2026 |
Waived-SOL has expired. Client waiver applied o non material finding with comp factors - Due Diligence Vendor-02/28/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 82 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856010 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-02 11:32 | 2026-02-24 16:00 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/24/2026 Open-Audited DTI of 53.58% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/23/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 82 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856010 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-02 11:25 | 2026-02-24 15:58 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower income and credit profile supposed ability to repay. - Due Diligence Vendor-02/24/2026 Open-DTI exceeds the guidelines due to lower calculated income. - Due Diligence Vendor-02/04/2026 |
Resolved--Borrower income and credit profile supposed ability to repay. - Due Diligence Vendor-02/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 82 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856010 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-02 11:22 | 2026-02-23 12:46 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received insurance and added to the DTI. - Due Diligence Vendor-02/23/2026 Open-Income/Employment General. Borrower is a new 1099 contract employee. Per the contract agreement, the contractors are responsible for the cost of xxxxxx and must be documented and added to liabilities. Missing proof of insurance in file. - Due Diligence Vendor-02/02/2026 |
Resolved-Received insurance and added to the DTI. - Due Diligence Vendor-02/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum allowed is 700. Required is 700 Borrower has 760 Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 82 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856012 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 07:24 | 2026-02-22 18:31 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-02/22/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU > 2.5 and LCA no score. - Due Diligence Vendor-02/11/2026 |
Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-02/22/2026 |
LTV is less than guideline maximum - LTV 64.07%. Allowed LTV 85%. Required is 85 Borrower has 64.07 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806; guidelines require 700. Required is 700 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856012 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 13:30 | 2026-02-20 19:04 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/12/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/21/2026 |
LTV is less than guideline maximum - LTV 64.07%. Allowed LTV 85%. Required is 85 Borrower has 64.07 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806; guidelines require 700. Required is 700 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856012 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 08:22 | 2026-02-20 19:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/21/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-02/09/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/21/2026 |
LTV is less than guideline maximum - LTV 64.07%. Allowed LTV 85%. Required is 85 Borrower has 64.07 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806; guidelines require 700. Required is 700 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856012 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-11 13:35 | 2026-02-18 11:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-ACH provided. - Due Diligence Vendor-02/18/2026 Open-Guidelines state xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. The loan file soes not contain an ACH verifying the xxxxxx checking account. - Due Diligence Vendor-02/11/2026 |
Resolved-ACH provided. - Due Diligence Vendor-02/18/2026 |
LTV is less than guideline maximum - LTV 64.07%. Allowed LTV 85%. Required is 85 Borrower has 64.07 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806; guidelines require 700. Required is 700 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856012 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 09:05 | 2026-02-13 17:03 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 |
LTV is less than guideline maximum - LTV 64.07%. Allowed LTV 85%. Required is 85 Borrower has 64.07 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806; guidelines require 700. Required is 700 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856012 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-09 09:05 | 2026-02-11 13:42 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/09/2026 | Waived-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/09/2026 |
LTV is less than guideline maximum - LTV 64.07%. Allowed LTV 85%. Required is 85 Borrower has 64.07 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806; guidelines require 700. Required is 700 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 856012 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 11:05 | 2026-02-05 11:06 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
LTV is less than guideline maximum - LTV 64.07%. Allowed LTV 85%. Required is 85 Borrower has 64.07 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.36 Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 806; guidelines require 700. Required is 700 Borrower has 806 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 856013 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-09 09:30 | 2026-02-20 09:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase Contract fully executed provided. - Due Diligence Vendor-02/20/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. The purchase contract is not completed. Buyer, seller, address etc... are all blank. Provide fully executed contract of sale. - Due Diligence Vendor-02/09/2026 |
Resolved-Purchase Contract fully executed provided. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 LTV is less than guideline maximum - Required is 100 Borrower has 75.47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856013 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 18:37 | 2026-02-20 09:16 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI received confirming no damage. - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx) Incident Period: xxxxxx xxxxxx) Incident Period: xxxxxx - Due Diligence Vendor-02/05/2026 |
Resolved-PDI received confirming no damage. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 LTV is less than guideline maximum - Required is 100 Borrower has 75.47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856013 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 18:37 | 2026-02-12 11:29 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Public - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx) Incident Period: xxxxxx xxxxxx) Incident Period: xxxxxx - Due Diligence Vendor-02/05/2026 |
Resolved-Public - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 LTV is less than guideline maximum - Required is 100 Borrower has 75.47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856013 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 11:01 | 2026-02-05 11:02 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx . SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx . SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 LTV is less than guideline maximum - Required is 100 Borrower has 75.47 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856015 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 15:37 | 2026-02-12 11:27 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx) Incident Period: xxxxxx - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.69%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856015 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 10:52 | 2026-02-05 10:53 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791 LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.69%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 05:46 | 2026-02-20 19:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/21/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing signer not reflected on participant list - Due Diligence Vendor-02/12/2026 |
Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 05:43 | 2026-02-20 19:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/21/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing The lender must verify the existence of the borrower's business within 120 calendar days prior to the note date. - Due Diligence Vendor-02/12/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 08:46 | 2026-02-20 18:15 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds - Due Diligence Vendor-02/12/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-11 18:33 | 2026-02-20 18:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected qualifying terms. Audited DTI of 41.48% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 47.26% exceeds Guideline DTI of 43% Income lower than lender, student loan payment higher and qualified at fully amortized payment - Due Diligence Vendor-02/12/2026 |
Resolved-Corrected qualifying terms. Audited DTI of 41.48% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 06:03 | 2026-02-19 11:33 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. - Seller-02/18/2026 Counter-PDI was not attached. - Due Diligence Vendor-02/18/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx and continuing; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. - Seller-02/18/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/19/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-12 06:03 | 2026-02-18 11:53 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public. - Due Diligence Vendor-02/18/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx and continuing; Public Assistance. - Due Diligence Vendor-02/12/2026 |
Waived-Public. - Due Diligence Vendor-02/18/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 15:19 | 2026-02-05 15:22 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Related Service in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitation is 1 year. Expiration date is xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Related Service in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitation is 1 year. Expiration date is xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856018 | xxxxxx | D | B | D | A | B | B | C | B | Closed | xxxxxx | 2026-02-05 12:55 | 2026-02-05 13:38 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). ------Client waiver applied to non-material Findings - Due Diligence Vendor-02/05/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). ------Client waiver applied to non-material Findings - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income = $9141.78 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856022 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-06 16:41 | 2026-02-20 17:25 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/06/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - DTI is 26.31% and minimum allowed is 43%. Required is 43 Borrower has 26.31 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856022 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-06 16:41 | 2026-02-20 17:25 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-02/20/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-02/06/2026 |
Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - DTI is 26.31% and minimum allowed is 43%. Required is 43 Borrower has 26.31 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856022 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-05 15:39 | 2026-02-20 17:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing a VOR supporting a complete 12 month history of rent for the borrower's current residence. - Due Diligence Vendor-02/06/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - DTI is 26.31% and minimum allowed is 43%. Required is 43 Borrower has 26.31 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856022 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-05 15:56 | 2026-02-19 15:03 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non-material finding. Public disaster. - Due Diligence Vendor-02/19/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx. Provide a property inspection for subject property in the county of xxxxxx. - Due Diligence Vendor-02/06/2026 |
Waived-Client waiver applied to non-material finding. Public disaster. - Due Diligence Vendor-02/19/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - DTI is 26.31% and minimum allowed is 43%. Required is 43 Borrower has 26.31 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856022 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-05 10:24 | 2026-02-05 10:25 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ time minimum required. Qualifying FICO score is at least 20 points above minimum for program - Score is 770 and minimum allowed is 700 Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - DTI is 26.31% and minimum allowed is 43%. Required is 43 Borrower has 26.31 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856026 | xxxxxx | C | B | C | A | C | B | B | B | Closed | xxxxxx | 2026-02-03 11:47 | 2026-02-20 10:23 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date -----CHARM Booklet was provided on xxxxxx. - Due Diligence Vendor-02/03/2026 |
Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 |
LTV is less than guideline maximum - LTV is 80% and max allowed is 100% Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% Required is 50 Borrower has 37.95 Qualifying FICO score is at least 20 points above minimum for program - Score is 809 and minimum allowed is 700 Required is 700 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856026 | xxxxxx | C | B | C | A | C | B | B | B | Closed | xxxxxx | 2026-02-03 11:47 | 2026-02-20 10:23 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date -----ARM Disclosure was provided on xxxxxx. - Due Diligence Vendor-02/03/2026 |
Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 |
LTV is less than guideline maximum - LTV is 80% and max allowed is 100% Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% Required is 50 Borrower has 37.95 Qualifying FICO score is at least 20 points above minimum for program - Score is 809 and minimum allowed is 700 Required is 700 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856026 | xxxxxx | C | B | C | A | C | B | B | B | Closed | xxxxxx | 2026-02-06 07:40 | 2026-02-17 12:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD. - Due Diligence Vendor-02/17/2026 Open-The Final SELLER CD/HUD is missing. Missing copy of the Seller CD. - Due Diligence Vendor-02/06/2026 |
Resolved-Received final seller CD. - Due Diligence Vendor-02/17/2026 |
LTV is less than guideline maximum - LTV is 80% and max allowed is 100% Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% Required is 50 Borrower has 37.95 Qualifying FICO score is at least 20 points above minimum for program - Score is 809 and minimum allowed is 700 Required is 700 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856026 | xxxxxx | C | B | C | A | C | B | B | B | Closed | xxxxxx | 2026-02-06 07:54 | 2026-02-12 11:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 Open-Foreign National but the ACH form is Missing from file. Missing ACH form linked to a xxxxxx account. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH. - Due Diligence Vendor-02/12/2026 |
LTV is less than guideline maximum - LTV is 80% and max allowed is 100% Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% Required is 50 Borrower has 37.95 Qualifying FICO score is at least 20 points above minimum for program - Score is 809 and minimum allowed is 700 Required is 700 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856026 | xxxxxx | C | B | C | A | C | B | B | B | Closed | xxxxxx | 2026-02-06 07:40 | 2026-02-06 08:49 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/06/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. Provide a Property Inspection. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/06/2026 |
Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/06/2026 |
LTV is less than guideline maximum - LTV is 80% and max allowed is 100% Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% Required is 50 Borrower has 37.95 Qualifying FICO score is at least 20 points above minimum for program - Score is 809 and minimum allowed is 700 Required is 700 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856026 | xxxxxx | C | B | C | A | C | B | B | B | Closed | xxxxxx | 2026-02-05 10:21 | 2026-02-05 10:22 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
LTV is less than guideline maximum - LTV is 80% and max allowed is 100% Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% Required is 50 Borrower has 37.95 Qualifying FICO score is at least 20 points above minimum for program - Score is 809 and minimum allowed is 700 Required is 700 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856026 | xxxxxx | C | B | C | A | C | B | B | B | Closed | xxxxxx | 2026-02-03 11:47 | 2026-02-03 12:26 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
LTV is less than guideline maximum - LTV is 80% and max allowed is 100% Required is 100 Borrower has 80 Qualifying DTI below maximum allowed - DTI is 37.95% and max allowed is 50% Required is 50 Borrower has 37.95 Qualifying FICO score is at least 20 points above minimum for program - Score is 809 and minimum allowed is 700 Required is 700 Borrower has 809 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-24 15:11 | 2026-03-05 10:48 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-Tax Related Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. ***SOL expired.*** Client waiver applied to non-material finding. - Due Diligence Vendor-02/24/2026 Open-Tax Related Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-02/24/2026 |
Waived-Tax Related Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. ***SOL expired.*** Client waiver applied to non-material finding. - Due Diligence Vendor-02/24/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-12 09:31 | 2026-03-05 08:56 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Waived-Client waiver applied to non-material finding. The property was new construction and the appraisal was made subject to completion. Drive by inspection provided in lieu of a 1004D. - Due Diligence Vendor-03/05/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-02/12/2026 |
Waived-Client waiver applied to non-material finding. The property was new construction and the appraisal was made subject to completion. Drive by inspection provided in lieu of a 1004D. - Due Diligence Vendor-03/05/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-12 08:21 | 2026-03-05 08:53 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | PUD Rider is Missing | Waived-Document Uploaded. Client waiver applied to non-material finding. Exception for PUD rider. - Due Diligence Vendor-03/05/2026 Counter-Per Appraisal and Title, subject is located within a planned unit development. - Due Diligence Vendor-02/27/2026 Open-PUD Rider is Missing - Due Diligence Vendor-02/12/2026 |
Waived-Document Uploaded. Client waiver applied to non-material finding. Exception for PUD rider. - Due Diligence Vendor-03/05/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 13:38 | 2026-02-26 10:25 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 13:38 | 2026-02-26 10:24 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 13:38 | 2026-02-26 10:24 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-02/26/2026 Open-The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Your total tolerance violation is $68.00. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. ----- ***NEW*** Zero (0%) tolerance fees increased by $68.00 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $68.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx. - Due Diligence Vendor-02/24/2026 |
Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-02/26/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 12:12 | 2026-02-26 10:17 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-26 09:50 | 2026-02-26 10:11 | Resolved | 1 - Information | C | A | Credit | Closing | Security Instrument Date does not equal Note Date | Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-02/26/2026 Open-Security Instrument Date does not match the Note Date - Due Diligence Vendor-02/26/2026 |
Resolved-Security Instrument Date matches Note Date - Due Diligence Vendor-02/26/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-24 08:28 | 2026-02-26 10:10 | Resolved | 1 - Information | C | A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Calculated Initial P&I Payment Amount matches Initial Payment Amount or is within $0.01 variance. - Due Diligence Vendor-02/26/2026 Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) - Due Diligence Vendor-02/24/2026 |
Resolved-Calculated Initial P&I Payment Amount matches Initial Payment Amount or is within $0.01 variance. - Due Diligence Vendor-02/26/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856028 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 13:38 | 2026-02-26 09:47 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA APR Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/24/2026 |
Months Reserves exceed minimum required - Reserves = 40 months – Required Reserves = 18 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,774.69; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||
| 856029 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-04 18:23 | 2026-02-12 11:24 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx) Incident Period: xxxxxx - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 22 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 Required is 700 Borrower has 736 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.15% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856029 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-03 13:28 | 2026-02-05 11:06 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-Client waiver applied - SOL expired. - Due Diligence Vendor-02/05/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $14.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $14 (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $14, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-02/03/2026 |
Waived-Client waiver applied - SOL expired. - Due Diligence Vendor-02/05/2026 |
Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 22 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 Required is 700 Borrower has 736 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.15% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856029 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-05 10:57 | 2026-02-05 10:58 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 22 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 Required is 700 Borrower has 736 Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.15% |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-11 15:01 | 2026-02-24 11:38 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Updated Completion Report (442/10040) | Resolved-Upon further review, 1 1004D is required. - Due Diligence Vendor-02/24/2026 Open-Second appraisal with a value of xxxxxx was completed subject to plans and specs. Provide completion report. - Due Diligence Vendor-02/11/2026 |
Resolved-Upon further review, 1 1004D is required. - Due Diligence Vendor-02/24/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-07 15:49 | 2026-02-24 11:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the remaining items are xxxxxx only. - Due Diligence Vendor-02/24/2026 Open-Property Issues are identified for the property Both appraisals were completed subject to completion of plans and specs. The most recent completion cert for one the appraisals reflected xxxxxx. - Due Diligence Vendor-02/08/2026 |
Resolved-Upon further review, the remaining items are xxxxxx only. - Due Diligence Vendor-02/24/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-12 14:04 | 2026-02-20 19:10 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 Open-Approval/1008 in file disclose incorrect appraisal value. Please provide final 1008 with final sales price and appraisal value. - Due Diligence Vendor-02/12/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-11 14:45 | 2026-02-20 19:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved--Client exception granted with comp factors. Waiver applied to non-material finding. Final closing documents signed by borrower support final sales price. - Due Diligence Vendor-02/21/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Provide contract addendum with correct sales price. - Due Diligence Vendor-02/11/2026 |
Resolved--Client exception granted with comp factors. Waiver applied to non-material finding. Final closing documents signed by borrower support final sales price. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-11 15:26 | 2026-02-20 19:08 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 Open-Housing History Does Not Meet Guideline Requirements Per the 1003, the borrower rented for 2 years and 2 months paying $7,200 per month. The loan file contains 4 cancelled checks verifying the rental payments. Provide the additional 8 months of verification. - Due Diligence Vendor-02/11/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-11 15:45 | 2026-02-20 18:12 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing complete housing history and DTI exceeds guidelines. - Due Diligence Vendor-02/11/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-08 17:41 | 2026-02-20 18:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Corrected the qualifying terms, DTI is now 46%, Max 50%. - Due Diligence Vendor-02/21/2026 Open-Audited DTI of 51.33% exceeds Guideline DTI of 43% Lender's DTI 46.76%. Audit DTI 51.33% using the qualifying payment. - Due Diligence Vendor-02/21/2026 |
Resolved-Corrected the qualifying terms, DTI is now 46%, Max 50%. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-09 12:06 | 2026-02-20 14:32 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-02/20/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-02/11/2026 |
Waived-Public assistance - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-11 15:46 | 2026-02-13 17:18 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves <6 months – wavier applied with reviewed compfactors - Due Diligence Vendor-02/13/2026 Open-Audited Reserves of 4.98 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/11/2026 |
Waived-Client provided a waiver for reserves <6 months – wavier applied with reviewed compfactors - Due Diligence Vendor-02/13/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
Residual income, when accounting for the fully indexed rate, is $23,954.26 / $3500 = 6.84 Long time residence: borrower resided in current residence over 2 years. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-09 12:06 | 2026-02-13 17:14 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx) Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-02/11/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856034 | xxxxxx | D | B | C | B | B | B | D | B | Closed | xxxxxx | 2026-02-05 13:33 | 2026-02-05 14:36 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee, in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. SOL 1 Year- expiration date of xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee, in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. SOL 1 Year- expiration date of xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -Residual income 8+ times minimum. Credit history exceeds minimum required - Credit History = 185 Months Minimum Credit History = 24 Months |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-05 17:07 | 2026-02-27 08:12 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Client waiver applied to non-material Findings. *** SOL has expired *** - Due Diligence Vendor-02/06/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Client waiver applied to non-material Findings. *** SOL has expired *** - Due Diligence Vendor-02/06/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-07 08:58 | 2026-02-23 12:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report Missing Fraud Report. The Fraud Report is required. - Due Diligence Vendor-02/07/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-07 07:34 | 2026-02-23 12:23 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received addendums reflecting buyers agent contributing to closing costs. - Due Diligence Vendor-02/23/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Contract addendum reflecting seller credit in the amount of $22,162.50. - Due Diligence Vendor-02/11/2026 |
Resolved-Received addendums reflecting buyers agent contributing to closing costs. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-07 11:57 | 2026-02-23 12:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH and checking statement summary for account considered. - Due Diligence Vendor-02/23/2026 Open-Foreign National but the ACH form is Missing from file. The ACH form is Missing from file. xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH Form is required. - Due Diligence Vendor-02/11/2026 |
Resolved-Received ACH and checking statement summary for account considered. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-05 16:26 | 2026-02-23 08:20 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/23/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-02/05/2026 |
Resolved-----Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-02/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-12 13:32 | 2026-02-20 20:17 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/12/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-07 08:57 | 2026-02-20 19:30 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and 2 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-02/07/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856036 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-07 08:57 | 2026-02-20 19:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR for the primary residence. - Due Diligence Vendor-02/11/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -12+ times minimum. Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.52% Required is 50 Borrower has 34.65 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Required is 700 Borrower has 792 LTV is less than guideline maximum - Required is 100 Borrower has 72.93 Required is 100 Borrower has 72.93 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856037 | xxxxxx | D | B | D | A | C | B | C | B | Closed | xxxxxx | 2026-02-06 10:56 | 2026-02-20 17:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved- xxxxxx VISA provided. - Due Diligence Vendor-02/20/2026 Open-Borrower Citizenship Documentation Is Missing. Borrower is non permanent alien and citizen documentation is required. - Due Diligence Vendor-02/06/2026 |
Resolved- xxxxxx VISA provided. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 700. Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.7 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856037 | xxxxxx | D | B | D | A | C | B | C | B | Closed | xxxxxx | 2026-02-03 11:09 | 2026-02-20 10:26 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date ----- CHARM provided in 4 business days - Due Diligence Vendor-02/03/2026 |
Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 700. Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.7 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856037 | xxxxxx | D | B | D | A | C | B | C | B | Closed | xxxxxx | 2026-02-03 11:09 | 2026-02-20 10:26 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date ------ ARM disclosure provided in 4 business days - Due Diligence Vendor-02/03/2026 |
Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 700. Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.7 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856037 | xxxxxx | D | B | D | A | C | B | C | B | Closed | xxxxxx | 2026-02-06 12:21 | 2026-02-12 11:22 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Provide a copy of the Property Inspection. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/06/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 700. Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.7 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856037 | xxxxxx | D | B | D | A | C | B | C | B | Closed | xxxxxx | 2026-02-06 12:21 | 2026-02-06 14:57 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-02/20/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. Provide a copy of the Property Inspection. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/06/2026 |
Waived-Public assistance - Due Diligence Vendor-02/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 700. Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.7 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856037 | xxxxxx | D | B | D | A | C | B | C | B | Closed | xxxxxx | 2026-02-05 11:12 | 2026-02-05 11:13 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 700. Required is 700 Borrower has 766 Qualifying DTI below maximum allowed - Required is 43 Borrower has 29.7 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856042 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-06 10:04 | 2026-02-12 11:19 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx) Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/06/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - DTI is 33.50% and max allowed is 50% Required is 50 Borrower has 33.5 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 LTV is less than guideline maximum - LTV is 89.99% and max allowed 100% Required is 100 Borrower has 89.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856042 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-05 11:24 | 2026-02-05 11:25 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - DTI is 33.50% and max allowed is 50% Required is 50 Borrower has 33.5 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 LTV is less than guideline maximum - LTV is 89.99% and max allowed 100% Required is 100 Borrower has 89.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856042 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-02 16:13 | 2026-02-02 16:13 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/02/2026 |
Qualifying DTI below maximum allowed - DTI is 33.50% and max allowed is 50% Required is 50 Borrower has 33.5 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 LTV is less than guideline maximum - LTV is 89.99% and max allowed 100% Required is 100 Borrower has 89.99 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 15:41 | 2026-08-25 15:38 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Hazard Insurance Policy is Partial | Waived-Client provided a waiver for estimated HOI Policy, applied to non material finding with comp factors. Non-material, is current policy was provided, there appears to be no gaps. Insurance is also impounded. - Due Diligence Vendor-08/25/2026 Counter-Post close policy with an effective date of xxxxxx. Please provide the policy in effective at the time of origination. - Due Diligence Vendor-02/25/2026 Counter-Email chain for RCE provided. Please provide the HOI Policy as the policy in file is an estimate only. - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. - Seller-02/18/2026 Counter-Document was not attached. - Due Diligence Vendor-02/18/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provided is only an estimate, missing actual bound coverage. - Due Diligence Vendor-02/05/2026 |
Ready for Review-Document Uploaded. - Seller-02/18/2026 |
Waived-Client provided a waiver for estimated HOI Policy, applied to non material finding with comp factors. Non-material, is current policy was provided, there appears to be no gaps. Insurance is also impounded. - Due Diligence Vendor-08/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 11:30 | 2026-08-25 15:35 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-08/25/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-08/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 12:57 | 2026-02-22 18:27 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-02/22/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-02/05/2026 |
Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-02/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-02 16:56 | 2026-02-19 07:43 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/19/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-02/02/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 10:27 | 2026-02-19 07:36 | Resolved | 1 - Information | C | A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received notification disclosure sent xxxxxx. Finding Resolved. - Due Diligence Vendor-02/19/2026 Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. -----Not issued within 3 days of application date of xxxxxx. Provide disclosure within 3 days. This is not curable. - Due Diligence Vendor-02/03/2026 |
Resolved-Received notification disclosure sent xxxxxx. Finding Resolved. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-02 15:58 | 2026-02-19 07:33 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received notification disclosure sent xxxxxx. Finding Resolved. - Due Diligence Vendor-02/19/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. This is not curable. - Due Diligence Vendor-02/02/2026 |
Resolved-Received notification disclosure sent xxxxxx. Finding Resolved. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 10:27 | 2026-02-19 07:33 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Received notification disclosure sent xxxxxx. Finding Resolved. - Due Diligence Vendor-02/19/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date Missing ARM/CHARM Booklet within 3 days of application or within 3 days of change in product from fixed to ARM. This is not curable. - Due Diligence Vendor-02/03/2026 |
Resolved-Received notification disclosure sent xxxxxx. Finding Resolved. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 16:00 | 2026-02-18 11:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH - Due Diligence Vendor-02/18/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH - Due Diligence Vendor-02/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 13:05 | 2026-02-13 17:20 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received replacement cost from insurer confirming sufficient coverage. - Due Diligence Vendor-02/13/2026 Open-Insufficient Coverage Amount for Insured Subject Property. Coverage does not meet 80% of the loan amount. - Due Diligence Vendor-02/05/2026 |
Resolved-Received replacement cost from insurer confirming sufficient coverage. - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 13:53 | 2026-02-12 11:11 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. 1.xxxxxx Incident Period: xxxxxx. 2.Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx 3.Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 13:53 | 2026-02-05 16:04 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/05/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-02/05/2026 |
Waived-Client waiver applied to non material finding - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856045 | xxxxxx | D | B | D | B | C | B | C | B | Closed | xxxxxx | 2026-02-03 10:27 | 2026-02-03 10:30 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 700. Required is 700 Borrower has 800 Qualifying DTI below maximum allowed - DTI 13.87%, max 50%. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 11:24 | 2026-02-20 17:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved--Closing instructions provided. - Due Diligence Vendor-02/20/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/06/2026 |
Resolved--Closing instructions provided. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-09 16:49 | 2026-02-20 17:39 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Credit documentation provided. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-02/09/2026 |
Resolved--Credit documentation provided. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-02 16:07 | 2026-02-20 10:28 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. - Due Diligence Vendor-02/02/2026 |
Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-02 16:07 | 2026-02-20 10:28 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. - Due Diligence Vendor-02/02/2026 |
Resolved-----Received acknowledgement that disclosure was sent with in 3 days of application. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 11:35 | 2026-02-17 12:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH form. - Due Diligence Vendor-02/17/2026 Open-ACH is required - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH form. - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 11:24 | 2026-02-12 11:00 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx. Declaration Date: xxxxxx xxxxxx.Declaration Date: xxxxxx xxxxxx Declaration Date: xxxxxx -PDI is required - Due Diligence Vendor-02/06/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 10:29 | 2026-02-12 10:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-02/12/2026 Open-Insufficient Coverage Amount for Insured Subject Property. Missing evidence of adequate coverage. Coverage provided does not meet minimum required. - Due Diligence Vendor-02/06/2026 |
Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 15:31 | 2026-02-12 10:54 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Gift Deposit. - Due Diligence Vendor-02/12/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Missing proof of gift deposit - Due Diligence Vendor-02/06/2026 |
Resolved-Received Gift Deposit. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 11:34 | 2026-02-11 11:48 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client provided a waiver FICO Score, applied to non material finding with comp factors - Due Diligence Vendor-02/11/2026 Open-Audited FICO of 681 is less than Guideline FICO of 700 When there are multiple borrowers, determine the applicable credit score for each individual borrower and select the lowest applicable score from the group as the representative credit score for the loan. - Due Diligence Vendor-02/06/2026 |
Waived-Client provided a waiver FICO Score, applied to non material finding with comp factors - Due Diligence Vendor-02/11/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
9 months reserves > 0 months minimum required 0x30x24 on primary residence payment history. $6,179.45 Residual Income. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-06 11:24 | 2026-02-11 11:36 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public FEMA disaster finding. Please see the Individual FEMA Finding. - Due Diligence Vendor-02/11/2026 Open-FEMA disaster after appraisal without a Public PDI or 1004D. xxxxxx. Declaration Date: xxxxxx xxxxxx.Declaration Date: xxxxxx -PDI is required - Due Diligence Vendor-02/06/2026 |
Waived-Public FEMA disaster finding. Please see the Individual FEMA Finding. - Due Diligence Vendor-02/11/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856046 | xxxxxx | C | B | C | B | C | B | C | B | Closed | xxxxxx | 2026-02-05 11:42 | 2026-02-05 11:42 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $6,179.45 Residual Income Long term residence - Long term residence 3 years Months Reserves exceed minimum required - 9 Months Reserves exceed 0 minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856049 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 11:57 | 2026-02-20 17:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing VOR for prior primary address for xxxxxx. (for 4 months). - Due Diligence Vendor-02/05/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 785 and minimum allowed is 700 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - DTI is 29.97% and max allowed is 50% Required is 50 Borrower has 29.97 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856049 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 11:41 | 2026-02-20 17:42 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending - Due Diligence Vendor-02/06/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 785 and minimum allowed is 700 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - DTI is 29.97% and max allowed is 50% Required is 50 Borrower has 29.97 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856049 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 11:08 | 2026-02-20 09:09 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Assignment confirmation provided, employment is in xxxxxx. - Due Diligence Vendor-02/20/2026 Open-Income documentation does not meet guidelines. Borrower is a new contract employee. Per Contract Agreement the state of the employer is in xxxxxx and subject purchase in in the state of xxxxxx. Provide a remote Contract Agreement for the borrower. - Due Diligence Vendor-02/05/2026 |
Resolved-Assignment confirmation provided, employment is in xxxxxx. - Due Diligence Vendor-02/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 785 and minimum allowed is 700 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - DTI is 29.97% and max allowed is 50% Required is 50 Borrower has 29.97 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856049 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 11:51 | 2026-02-17 12:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received ACH form - Due Diligence Vendor-02/17/2026 Counter-Received ACH form. Missing bank statement noted xxxxxx - Due Diligence Vendor-02/13/2026 Counter-Received ACH - Due Diligence Vendor-02/13/2026 Open-File does not contain all required Asset Statement(s). Missing a bank statement from xxxxxx with and ACH form. Per Other requirements and exclusions section of guides. (xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required). State Lending Matrix requires a footprint with xxxxxx - Due Diligence Vendor-02/05/2026 |
Resolved-Received ACH form - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 785 and minimum allowed is 700 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - DTI is 29.97% and max allowed is 50% Required is 50 Borrower has 29.97 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856049 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-05 11:46 | 2026-02-05 11:46 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. LTV is less than guideline maximum - Required is 100 Borrower has 89.99 Qualifying FICO score is at least 20 points above minimum for program - Score is 785 and minimum allowed is 700 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - DTI is 29.97% and max allowed is 50% Required is 50 Borrower has 29.97 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-17 08:03 | 2026-02-26 10:17 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Waived-SOL expired. Finding deemed non material - Due Diligence Vendor-02/26/2026 Open-****New****Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 1 years- Expiration date is xxxxxx - Due Diligence Vendor-02/26/2026 |
Waived-SOL expired. Finding deemed non material - Due Diligence Vendor-02/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-06 09:16 | 2026-02-20 17:45 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Income docs provided. - Due Diligence Vendor-02/20/2026 Counter-Pending receipt of B1 income not supported by paystubs and prior year 1099 provided. Missing lender calculation for comparison. - Due Diligence Vendor-02/17/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing satisfactory support for B1 calculated income. - Due Diligence Vendor-02/06/2026 |
Resolved--Income docs provided. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-06 09:30 | 2026-02-20 17:44 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-02/17/2026 Open-Missing Approval/Underwriting Summary MIssing - Due Diligence Vendor-02/06/2026 |
Resolved-Received 1008 - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-06 09:32 | 2026-02-20 17:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Required ACH form is missing from the file | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 Open-ACH is required - Due Diligence Vendor-02/06/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/20/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-06 08:44 | 2026-02-18 11:35 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 1008, UW states the 1099 was not used for qualification. - Due Diligence Vendor-02/18/2026 Open-Income and Employment Do Not Meet Guidelines B1 income not supported by paystubs and prior year 1099 provided. Missing lender calculation for comparison. - Due Diligence Vendor-02/06/2026 |
Resolved-Received 1008, UW states the 1099 was not used for qualification. - Due Diligence Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-06 08:57 | 2026-02-17 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/17/2026 Open-Missing Third Party Fraud Report Missing fraud report will all parties checked - Due Diligence Vendor-02/06/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:35 | 2026-02-17 08:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-----Received initial LE xxxxxx. Finding Resolved. - Due Diligence Vendor-02/17/2026 Open------Missing initial LE - Due Diligence Vendor-02/03/2026 |
Resolved-----Received initial LE xxxxxx. Finding Resolved. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-17 07:58 | 2026-02-17 07:59 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. SOL has expired xxxxxx. - Due Diligence Vendor-02/17/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. SOL has expired xxxxxx. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:23 | 2026-02-17 07:30 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received ARM Disclosure Provided tracking notification. Finding Resolved. - Due Diligence Vendor-02/17/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Provide disclosure within 3 days of application date of xxxxxx - Due Diligence Vendor-02/03/2026 |
Resolved-Received ARM Disclosure Provided tracking notification. Finding Resolved. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:23 | 2026-02-17 07:30 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Received CHARM Booklet Provided tracking notification. Finding Resolved. - Due Diligence Vendor-02/17/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date Provide disclosure within 3 days of application date of xxxxxx - Due Diligence Vendor-02/03/2026 |
Resolved-Received CHARM Booklet Provided tracking notification. Finding Resolved. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:23 | 2026-02-17 07:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure tracking notification. Finding Resolved. - Due Diligence Vendor-02/17/2026 Open-Homeownership Counseling Disclosure Is Missing Provide disclosure within 3 days of application date of 03/06/2024 - Due Diligence Vendor-02/03/2026 |
Resolved-Received Homeownership Counseling Disclosure tracking notification. Finding Resolved. - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:23 | 2026-02-17 07:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-02/17/2026 Open-Right To Choose Attorney or Attorney Preference Not In File Missing Attorney Preference disclosure - Due Diligence Vendor-02/03/2026 |
Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-02/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:23 | 2026-02-03 13:09 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856053 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:23 | 2026-02-03 13:09 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-02/03/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.63% Residual Income =/> 1.5 times $3,500 monthly residual income - -5+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 784 Required is 720 Borrower has 784 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856058 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-02-05 11:54 | 2026-02-27 07:56 | Waived | 3 - Material | C | C | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Waived-Investor agrees to accept as xxxxxx, SOL 3 yrs, Expires xxxxxx. - Due Diligence Vendor-02/27/2026 Counter-Lender provided a copy of the Final CD. Need a copy of the initial CD dated at least 3 days prior to consummation. - Due Diligence Vendor-02/26/2026 Open----- Missing CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 1 years- Expiration date is xxxxxx. - Due Diligence Vendor-02/26/2026 |
Waived-Investor agrees to accept as xxxxxx, SOL 3 yrs, Expires xxxxxx. - Due Diligence Vendor-02/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.62 LTV is less than guideline maximum - Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856058 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-02-05 09:09 | 2026-02-20 17:42 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation of all factors of subject PITIA (Hazard insurance) - Due Diligence Vendor-02/05/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.62 LTV is less than guideline maximum - Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856058 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-02-05 08:23 | 2026-02-17 13:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy - Due Diligence Vendor-02/17/2026 Open-Missing Hazard Insurance Policy Missing hazard policy. Additional conditions may apply. - Due Diligence Vendor-02/05/2026 |
Resolved-Received HOI policy - Due Diligence Vendor-02/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.62 LTV is less than guideline maximum - Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856058 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-02-06 16:01 | 2026-02-17 13:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH. - Due Diligence Vendor-02/17/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH. - Due Diligence Vendor-02/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.62 LTV is less than guideline maximum - Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856058 | xxxxxx | D | C | D | A | C | C | A | A | Closed | xxxxxx | 2026-02-05 11:50 | 2026-02-05 11:51 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Related Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of limitations - 1 year; Expiration date xxxxxx. ** Client waiver applied to non-material finding. SOL has expired ** - Due Diligence Vendor-02/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Qualifying DTI below maximum allowed - Required is 43 Borrower has 25.62 LTV is less than guideline maximum - Required is 100 Borrower has 90 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856061 | xxxxxx | D | B | A | A | B | B | D | B | Closed | xxxxxx | 2026-02-07 11:25 | 2026-02-18 11:20 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-02/18/2026 Open-Appraisal is Missing Notes in file indicate there are 2 Full Appraisals. There are CU and LCA for 2 Appraisals. File is missing Appraisal used for LTV - $2,200,000 by Appraiser xxxxxx - Due Diligence Vendor-02/07/2026 |
Resolved-Received Appraisal. - Due Diligence Vendor-02/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.5% Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856061 | xxxxxx | D | B | A | A | B | B | D | B | Closed | xxxxxx | 2026-02-07 12:01 | 2026-02-12 10:49 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and Clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. Individual – xxxxxx – Incident Period: xxxxxx – File is missing Post-Disaster Inspection Report Individual – xxxxxx – Incident Period: xxxxxx and continuing – File is missing Post-Disaster Inspection Report - Due Diligence Vendor-02/07/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and Clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.5% Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856061 | xxxxxx | D | B | A | A | B | B | D | B | Closed | xxxxxx | 2026-02-07 12:01 | 2026-02-11 12:27 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-FEMA disaster after appraisal without a Public PDI or 1004D. Client waiver applied to non-material finding with comp factors. - Due Diligence Vendor-02/07/2026 | Waived-FEMA disaster after appraisal without a Public PDI or 1004D. Client waiver applied to non-material finding with comp factors. - Due Diligence Vendor-02/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.5% Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856061 | xxxxxx | D | B | A | A | B | B | D | B | Closed | xxxxxx | 2026-02-05 13:32 | 2026-02-05 14:13 | Waived | 2 - Non-Material | B | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $405.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $405.00 (Reinspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $405.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $405.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $405.00 (Reinspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $405.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.5% Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856061 | xxxxxx | D | B | A | A | B | B | D | B | Closed | xxxxxx | 2026-02-05 13:32 | 2026-02-05 14:13 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ------(Tax Related Service Fee) in section B is payable to Lender however, fees paid to Lender must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 1 years- Expiration date is xxxxxx. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ------(Tax Related Service Fee) in section B is payable to Lender however, fees paid to Lender must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations 1 years- Expiration date is xxxxxx. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.5% Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-09 11:11 | 2026-02-20 19:35 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 Open-Audited DTI of 50.38% exceeds Guideline DTI of 50% 1008 reflects higher income than actual - Due Diligence Vendor-02/12/2026 |
Waived--Client exception granted with comp factors. Waiver applied to non-material finding. - Due Diligence Vendor-02/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-12 07:10 | 2026-02-20 19:33 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/21/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guidelines - Due Diligence Vendor-02/12/2026 |
Resolved--Borrower credit and income profile supports ability to repay. - Due Diligence Vendor-02/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-06 23:45 | 2026-02-20 19:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/21/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing missing pre-close VVOE within 10 days of closing - Due Diligence Vendor-02/07/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/21/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-05 14:42 | 2026-02-20 14:18 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-SOL has expired. - Due Diligence Vendor-02/13/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Tax Service Fee in section B is payable to Lender however, fees paid to Lender must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-02/05/2026 |
Waived-SOL has expired. - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-09 11:04 | 2026-02-13 17:29 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. Public – xxxxxx – Incident Period: xxxxxx - File is missing PDI - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-09 11:04 | 2026-02-13 17:29 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. File is missing PDI - Individual – xxxxxx – Incident Period: xxxxxx - Due Diligence Vendor-02/09/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-05 14:42 | 2026-02-13 07:30 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-SOL has Expired. - Due Diligence Vendor-02/13/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $138.31.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $138.31 without a valid COC in file. A lender credit of $136.00 was provided but is not sufficient to cover total of $138.31. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2.31, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/05/2026 |
Waived-SOL has Expired. - Due Diligence Vendor-02/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856066 | xxxxxx | D | B | D | B | C | B | C | A | Closed | xxxxxx | 2026-02-06 09:47 | 2026-02-06 09:47 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '77'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/06/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '77'). Client waiver applied to non-material Findings. - Due Diligence Vendor-02/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Months Reserves exceed minimum required - Min 2, actual 32.33 Residual Income =/> 1.5 times $3,500 monthly residual income - -4.65 times minimum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 856069 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-03 13:05 | 2026-02-25 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Employer sponsor letter. - Due Diligence Vendor-02/25/2026 Counter-Received I-94. Missing Form I-797 (Notice of Action) for xxxxxx VISA - Due Diligence Vendor-02/17/2026 Open-Borrower Citizenship Documentation Is Missing Missing documentation to verify borrower's citizen / residency status. Additional conditions may apply, pending review. - Due Diligence Vendor-02/06/2026 |
Resolved-Received Employer sponsor letter. - Due Diligence Vendor-02/25/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.66 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856069 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-05 09:20 | 2026-02-24 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received evidence of xxxxxx account - Due Diligence Vendor-02/24/2026 Counter-Received ACH, please provide the Bank Statement. - Due Diligence Vendor-02/18/2026 Open-File does not contain all required Asset Statement(s). Missing a bank statement from xxxxxx with and ACH form. Per Other requirements and exclusions section of guides. (xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing). ACH is required). State Lending Matrix requires a footprint with xxxxxx. - Due Diligence Vendor-02/05/2026 |
Resolved-Received evidence of xxxxxx account - Due Diligence Vendor-02/24/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.66 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856069 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-06 16:10 | 2026-02-17 13:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH - Due Diligence Vendor-02/17/2026 Open-Per guides, xxxxxx eligibility is predicated on an xxxxxx Checking account prior to closing. ACH is required. - Due Diligence Vendor-02/06/2026 |
Resolved-Received ACH - Due Diligence Vendor-02/17/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.66 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856069 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-05 09:02 | 2026-02-12 10:47 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and Clear of disaster related damage. - Due Diligence Vendor-02/12/2026 Open-FEMA disaster after appraisal without a Individual PDI or 1004D. xxxxxx Incident Period: xxxxxx. Individual Assistance. Post Disaster inspection required. xxxxxx Incident Period: xxxxxx. Individual Assistance. Post Disaster inspection required. - Due Diligence Vendor-02/05/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and Clear of disaster related damage. - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.66 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856069 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-03 12:37 | 2026-02-12 09:43 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-SOL has expired. ---- Zero (0%) tolerance fees increased by $10 (Residential Mortgage Act Fee (xxxxxx Only) ) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. SOL 1year, Expiration Date: xxxxxx - Due Diligence Vendor-02/12/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $10.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $10 (Residential Mortgage Act Fee (xxxxxx Only) ) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. ***** This is non-curable. - Due Diligence Vendor-02/03/2026 |
Waived-SOL has expired. ---- Zero (0%) tolerance fees increased by $10 (Residential Mortgage Act Fee (GA Only) ) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. SOL 1year, Expiration Date: xxxxxx - Due Diligence Vendor-02/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - -8+ times minimum. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792 Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.66 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856074 | xxxxxx | C | C | C | B | B | C | C | B | Closed | xxxxxx | 2026-02-06 18:40 | 2026-08-27 17:02 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-08/27/2026 Resolved-CDA provided supporting value. - Due Diligence Vendor-02/19/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU score exceeds 2.5, additional valuation is required - Due Diligence Vendor-02/06/2026 |
Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-08/27/2026 Resolved-CDA provided supporting value. - Due Diligence Vendor-02/19/2026 |
Long term residence - Borrowers have lived at the primary residence for 4.5 years Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856074 | xxxxxx | C | C | C | B | B | C | C | B | Closed | xxxxxx | 2026-02-05 13:07 | 2026-03-10 09:57 | Waived | 3 - Material | B | C | Compliance | TRID | Charges That Cannot Increase Test | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $10.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $10.00 (Residential Mortgage Act Fee (xxxxxx Only)) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. -----Client waiver applied to material Findings. - Due Diligence Vendor-03/10/2026 | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $10.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $10.00 (Residential Mortgage Act Fee (xxxxxx Only)) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. -----Client waiver applied to material Findings. - Due Diligence Vendor-03/10/2026 |
Long term residence - Borrowers have lived at the primary residence for 4.5 years Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856074 | xxxxxx | C | C | C | B | B | C | C | B | Closed | xxxxxx | 2026-02-05 13:07 | 2026-03-10 09:56 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- (Tax Service Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statue of Limitations 1 year - expiration date is xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- (Tax Service Fee) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statue of Limitations 1 year - expiration date is xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-02/05/2026 |
Long term residence - Borrowers have lived at the primary residence for 4.5 years Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856074 | xxxxxx | C | C | C | B | B | C | C | B | Closed | xxxxxx | 2026-02-12 08:39 | 2026-02-19 16:57 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds due to lender did not qualify at full amortized payment - Due Diligence Vendor-02/12/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/19/2026 |
Long term residence - Borrowers have lived at the primary residence for 4.5 years Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856074 | xxxxxx | C | C | C | B | B | C | C | B | Closed | xxxxxx | 2026-02-09 10:16 | 2026-02-19 15:23 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non-material finding. FEMA public finding. - Due Diligence Vendor-02/19/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. xxxxxx County - xxxxxx Incident Period: xxxxxx, Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx - missing PDI - Due Diligence Vendor-02/09/2026 |
Waived-Client waiver applied to non-material finding. FEMA public finding. - Due Diligence Vendor-02/19/2026 |
Long term residence - Borrowers have lived at the primary residence for 4.5 years Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 856074 | xxxxxx | C | C | C | B | B | C | C | B | Closed | xxxxxx | 2026-02-06 21:29 | 2026-02-17 13:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver for DTI of 47.59% exceeds Guideline DTI of 43%, applied to non material finding with comp factors - Due Diligence Vendor-02/19/2026 Open-Audited DTI of 52.25% exceeds Guideline DTI of 43% Lender qualified at initial rate not fully amortized - Due Diligence Vendor-02/07/2026 |
Waived-Client provided a waiver for DTI of 47.59% exceeds Guideline DTI of 43%, applied to non material finding with comp factors - Due Diligence Vendor-02/19/2026 |
Long term residence - Borrowers have lived at the primary residence for 4.5 years Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |
FICO: 742 fico vs 700min LTV: 79.61% CLTV vs 100% max, $13k/mo residual income Residual Income: $13k/mo residual income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 856077 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-02-05 09:02 | 2026-02-12 10:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received colored version of the Appraisal. - Due Diligence Vendor-02/12/2026 Open-Missing appraisal with photos in color - Due Diligence Vendor-02/05/2026 |
Resolved-Received colored version of the Appraisal. - Due Diligence Vendor-02/12/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 86.92 Required is 100 Borrower has 86.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.52 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856077 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-02-03 12:47 | 2026-02-12 09:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-02/12/2026 Open-Right To Choose Attorney or Attorney Preference Not In File -----Missing Attorney Preference Letter - Due Diligence Vendor-02/03/2026 |
Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-02/12/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 86.92 Required is 100 Borrower has 86.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.52 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 856077 | xxxxxx | D | B | C | A | D | B | A | A | Closed | xxxxxx | 2026-02-04 15:52 | 2026-02-04 15:55 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. Statute of limitations is 1 year; expiration date is xxxxxx. SOL has expired. Client waiver applied to non-material Findings. - Due Diligence Vendor-02/04/2026 |
LTV is less than guideline maximum - Required is 100 Borrower has 86.92 Required is 100 Borrower has 86.92 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 Required is 700 Borrower has 785 Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.52 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861829 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 10:10 | 2026-05-15 07:59 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That Cannot Increase Test | Waived-The investor agrees to accept xxxxxx, SOL 1yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $10.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). --------Zero (0%) tolerance fees increased by $10.00 Appraisal without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 1yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Months Reserves exceed minimum required - Min 0, atual 59.09 Long term residence - Borrowers at primary residence for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861829 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 10:10 | 2026-05-15 07:59 | Waived | 3 - Material | C | C | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived-The investor agrees to accept xxxxxx, SOL 1yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Counter- Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/23/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -------A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx - Due Diligence Vendor-03/24/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 1yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Months Reserves exceed minimum required - Min 0, atual 59.09 Long term residence - Borrowers at primary residence for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861829 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 09:45 | 2026-04-08 08:33 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-SOL expired xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date - Due Diligence Vendor-03/24/2026 |
Resolved-SOL expired xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - Min 0, atual 59.09 Long term residence - Borrowers at primary residence for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861829 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 09:45 | 2026-04-08 08:33 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-SOL expired xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-03/24/2026 |
Resolved-SOL expired xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - Min 0, atual 59.09 Long term residence - Borrowers at primary residence for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861829 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 10:19 | 2026-04-08 08:29 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/01/2026 Open-Missing e-Consent. - Due Diligence Vendor-03/24/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/01/2026 |
Months Reserves exceed minimum required - Min 0, atual 59.09 Long term residence - Borrowers at primary residence for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861829 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 10:10 | 2026-04-01 07:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/01/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. --------- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/01/2026 |
Months Reserves exceed minimum required - Min 0, atual 59.09 Long term residence - Borrowers at primary residence for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861829 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 09:45 | 2026-03-24 10:41 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Months Reserves exceed minimum required - Min 0, atual 59.09 Long term residence - Borrowers at primary residence for 8 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861830 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-03-24 14:11 | 2026-05-06 16:22 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | File does not contain LOX for credit inquiries | Waived-The request for an exception is granted for missing LOE for inquiries. Applied the non-material with comp factors. - Due Diligence Vendor-05/06/2026 Open-LOX for credit inquiries is missing. Provide Letter of explanation for credit inquiries listed in the credit report. - Due Diligence Vendor-03/24/2026 |
Waived-The request for an exception is granted for missing LOE for inquiries. Applied the non-material with comp factors. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 809 Months Reserves exceed minimum required - 162 months Verified for reserves; 0 months required to be verified. |
Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861830 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-03-24 10:44 | 2026-04-15 07:54 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received copy of COC. Finding Resolved. - Due Diligence Vendor-04/15/2026 Counter-Received duplicate of LE xxxxxx. Need a COC for the increase in the appraisal fee. Finding Remains. - Due Diligence Vendor-04/01/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $145.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $145.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $145.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/24/2026 |
Resolved-Received copy of COC. Finding Resolved. - Due Diligence Vendor-04/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 809 Months Reserves exceed minimum required - 162 months Verified for reserves; 0 months required to be verified. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861830 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-03-24 13:44 | 2026-04-01 10:14 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided a copy of the BPO that supports the value - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU in file -or LCA in file_ is >2.5. A BPO is required to support the original value - Due Diligence Vendor-03/26/2026 |
Resolved-Lender provided a copy of the BPO that supports the value - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 809 Months Reserves exceed minimum required - 162 months Verified for reserves; 0 months required to be verified. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861830 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-03-24 10:26 | 2026-04-01 07:55 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-SOL expired. Client waiver applied to non-material finding. - Due Diligence Vendor-04/01/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date ARM Disclosure provided xxxxxx and Application Date is xxxxxx - Due Diligence Vendor-03/24/2026 |
Resolved-SOL expired. Client waiver applied to non-material finding. - Due Diligence Vendor-04/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 809 Months Reserves exceed minimum required - 162 months Verified for reserves; 0 months required to be verified. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861830 | xxxxxx | C | B | C | B | C | B | C | A | Closed | xxxxxx | 2026-03-24 10:26 | 2026-03-24 10:26 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 809 Months Reserves exceed minimum required - 162 months Verified for reserves; 0 months required to be verified. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-31 12:19 | 2026-04-10 07:24 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID 10% Tolerance Violation | Resolved-Received LE xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-04/10/2026 Open-*NEW* Unable to test compliance properly therefore 10% tolerance violation due to missing LE(s). Statute of limitations 3 years - Expiration date xxxxxx - Due Diligence Vendor-03/31/2026 |
Resolved-Received LE xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-31 12:18 | 2026-04-10 07:23 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID 0% Tolerance Violation | Resolved-Received LE xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-04/10/2026 Open-*NEW* Unable to test compliance properly therefore 0% tolerance violation due to missing LE(s). Statute of limitations 3 years - Expiration date xxxxxx - Due Diligence Vendor-03/31/2026 |
Resolved-Received LE xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 13:34 | 2026-03-31 12:29 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/31/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing paystubs and W2s for the Borrower 2 since DU requires and only a short term letter in file. - Due Diligence Vendor-03/24/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 13:26 | 2026-03-31 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-03/31/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/24/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 12:30 | 2026-03-31 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-03/31/2026 Open-Missing Evidence of Property Tax No tax Bill or Tax Cert and used the cd figures. - Due Diligence Vendor-03/24/2026 |
Resolved-Received Evidence of Property Tax - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 13:17 | 2026-03-31 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Received WVOE - Due Diligence Vendor-03/31/2026 Open-Borrower 2 Paystubs Missing Per DU required Paystub for xxxxxx date no earlier than 30 days prior to the initial application date. - Due Diligence Vendor-03/24/2026 |
Resolved-Received WVOE - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 13:17 | 2026-03-31 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received WVOE - Due Diligence Vendor-03/31/2026 Open-Borrower 2 W2/1099 Missing Per DU required prior years (2023) W2 for xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received WVOE - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-31 12:15 | 2026-03-31 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received WVOE - Due Diligence Vendor-03/31/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/31/2026 |
Resolved-Received WVOE - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 09:35 | 2026-03-31 12:21 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | TRID: Missing Loan Estimate | Waived-Investor waiver applied due to SOL expiration, finding deemed non-material - Due Diligence Vendor-03/31/2026 Open-Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. [SOL expired xxxxxx] - Due Diligence Vendor-03/24/2026 |
Waived-Investor waiver applied due to SOL expiration, finding deemed non-material - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 13:39 | 2026-03-31 12:20 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount (Replacement Cost Estimator Provided by Insurer is Not Provided) | Resolved-Received HOI policy with Replacement. - Due Diligence Vendor-03/31/2026 Open-Per DU Approved Arm Overlays xxxxxx replacement cost coverage is required on all loans. - Due Diligence Vendor-03/24/2026 |
Resolved-Received HOI policy with Replacement. - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-31 12:16 | 2026-03-31 12:19 | Resolved | 1 - Information | C | A | Compliance | TRID | RESPA 10% tolerance violation | Resolved-*NEW* Unable to test compliance properly therefore 10% tolerance violation due to missing LE(s). Statute of limitations 3 years - Expiration date xxxxxx - Due Diligence Vendor-03/31/2026 | Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 12:43 | 2026-03-31 12:16 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI policy - Due Diligence Vendor-03/31/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Please provide evidence of HOI for the subject property effective no later than xxxxxx (Note date). - Due Diligence Vendor-03/26/2026 |
Resolved-Received HOI policy - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861831 | xxxxxx | D | B | D | A | D | B | A | A | Closed | xxxxxx | 2026-03-24 09:49 | 2026-03-24 09:49 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Months Reserves exceed minimum required - 37.03 months reserves. On time mortgage history exceeds guideline requirement - 0x30x12 in the past 38 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861832 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 09:39 | 2026-05-15 08:01 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That Cannot Increase Test | Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Counter------Zero (0%) tolerance fees increased by $236.40 (appraisal reinspection, appraisal rent schedule, transfer taxes ) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $149.64, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations -3 Year(s); Expiration Date: xxxxxx. Lender credit on Final CD of $86.76 is not enough to cover full finding. - Due Diligence Vendor-03/30/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,260.40.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1,260.40 (loan discount, appraisal reinspection, appraisal rent schedule, transfer taxes ) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,260.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations -3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/24/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,980.38; minimum required NONE Verified employment history exceeds guidelines - Both borrower have over 10 years with current employment. On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months Credit history exceeds minimum required - Credit History = 365 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx | ||
| 861832 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 09:17 | 2026-05-15 08:01 | Waived | 3 - Material | C | C | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Counter-Expiration for the ARM disclosure is 3 years - xxxxxx, please provide. finding remains - Due Diligence Vendor-04/17/2026 Counter-Initial Arm disclosure is dated xxxxxx, it is not within 3 days of application. Finding Remains. - Due Diligence Vendor-03/30/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM - Due Diligence Vendor-03/24/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,980.38; minimum required NONE Verified employment history exceeds guidelines - Both borrower have over 10 years with current employment. On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months Credit history exceeds minimum required - Credit History = 365 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx | ||
| 861832 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 09:17 | 2026-03-30 08:36 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Received CHARM Booklet Provided Within 3 Days of Application Date. Finding Resolved. - Due Diligence Vendor-03/30/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date ------Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM - Due Diligence Vendor-03/24/2026 |
Resolved-Received CHARM Booklet Provided Within 3 Days of Application Date. Finding Resolved. - Due Diligence Vendor-03/30/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,980.38; minimum required NONE Verified employment history exceeds guidelines - Both borrower have over 10 years with current employment. On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months Credit history exceeds minimum required - Credit History = 365 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861835 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 11:00 | 2026-05-15 08:03 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That Cannot Increase Test | Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $150 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Months Reserves exceed minimum required - No reserves required. Borrowers have 14.49 months of reserves. Long term residence - Borrowers have resided in their departing primary for 4 years and 6 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861835 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-03-24 11:27 | 2026-03-30 09:05 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/30/2026 Open-Missing e-Consent. -----Missing e-consent - Due Diligence Vendor-03/24/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/30/2026 |
Months Reserves exceed minimum required - No reserves required. Borrowers have 14.49 months of reserves. Long term residence - Borrowers have resided in their departing primary for 4 years and 6 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861837 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-03-25 11:49 | 2026-05-28 15:16 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-PDI provided confirming no damage. - Due Diligence Vendor-05/28/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. Post closing Disaster xxxxxx Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-03/25/2026 |
Resolved-PDI provided confirming no damage. - Due Diligence Vendor-05/28/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11.2k) Months Reserves exceed minimum required - 17 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861837 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-04-01 15:42 | 2026-05-28 14:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client waiver applied to non-material finding with compensating factors. 1008 provided confirming loan closed at the lower value. - Due Diligence Vendor-05/22/2026 Open-The file contains 2 appraisals. One for xxxxxx, dated xxxxxx and one for xxxxxx, dated xxxxxx. Loan was approved with a property value of xxxxxx. Should have been approved with a value of xxxxxx. - Due Diligence Vendor-04/01/2026 |
Waived-Client waiver applied to non-material finding with compensating factors. 1008 provided confirming loan closed at the lower value. - Due Diligence Vendor-05/22/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11.2k) Months Reserves exceed minimum required - 17 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861837 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-04-01 16:16 | 2026-05-12 12:29 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITIA validation - Due Diligence Vendor-05/12/2026 Counter-Received credit supplement confirming mtg includes escrows but does not provide confirmation of property tied to. (property is not reflecting on fraud report). Review is not able to confirm mortgage tied to the property. - Due Diligence Vendor-04/08/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of taxes and insurance for REO xxxxxx. - Due Diligence Vendor-04/01/2026 |
Resolved-Received PITIA validation - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11.2k) Months Reserves exceed minimum required - 17 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861837 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-03-25 11:59 | 2026-05-12 12:26 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Client provided a waiver for REO PITIA validation, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 Counter-Received credit supplement confirming mtg includes escrows but does not provide confirmation of property tied to. (property is not reflecting on fraud report). Review is not able to confirm mortgage tied to the property. - Due Diligence Vendor-04/08/2026 Open-Missing proof of taxes and insurance for REO (xxxxxx). If escrowed, provide mortgage statement. Additional conditional may apply. - Due Diligence Vendor-04/01/2026 |
Waived-Client provided a waiver for REO PITIA validation, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11.2k) Months Reserves exceed minimum required - 17 mths reserves; 0 mths required. |
Residual income more than 2.5x the amount required by guidelines Reserves exceed requirement by 10 months or more |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861837 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-03-25 11:49 | 2026-04-20 14:55 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Post closing xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11.2k) Months Reserves exceed minimum required - 17 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861837 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-03-24 13:28 | 2026-03-25 09:37 | Waived | 2 - Non-Material | B | B | Compliance | TRID | Charges That Cannot Increase Test | Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- SOL Expired: xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Waived-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- SOL Expired: xxxxxx. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+11.2k) Months Reserves exceed minimum required - 17 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861839 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 861840 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 12:22 | 2026-05-26 15:48 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-AUS in file states that only the prior yr must be validated. Loan contains W2, Paystub for 14 mos as well as a VOE - Due Diligence Vendor-05/26/2026 Counter-Received note income documentation follows AUS. Per guideline matrix: Two years verified employment history is required. Original finding remains. - Due Diligence Vendor-04/08/2026 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months B1 started new position xxxxxx. Missing W2 2022 for xxxxxx to support a complete 2 year of work history. - Due Diligence Vendor-03/24/2026 |
Resolved-AUS in file states that only the prior yr must be validated. Loan contains W2, Paystub for 14 mos as well as a VOE - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - 30.1% DTI is lower than max of 45% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 792 is higher than required 700. Months Reserves exceed minimum required - required 6 months borrower has 43.13 months of reserves |
1 - Credit Score 30+ points > minimum required 2 - DTI <= 36% which is below requirement in guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 861840 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-24 07:04 | 2026-05-13 08:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to credit trades paid as agreed. - Due Diligence Vendor-05/13/2026 Counter-Received question from originator: We do not have a VOR, unless non traditional credit is Used I don't see where this was required?? Review response: ARM Matrix requires Minimum 12 months history is required - Due Diligence Vendor-04/08/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing VOR for the borrowers primary residence. - Due Diligence Vendor-03/24/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to credit trades paid as agreed. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - 30.1% DTI is lower than max of 45% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 792 is higher than required 700. Months Reserves exceed minimum required - required 6 months borrower has 43.13 months of reserves |
1 - Credit Score 30+ points > minimum required 2 - DTI <= 36% which is below requirement in guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861840 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 08:45 | 2026-04-08 16:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received ULI - Due Diligence Vendor-04/08/2026 Open-Missing ULI, please provide - Due Diligence Vendor-03/23/2026 |
Resolved-Received ULI - Due Diligence Vendor-04/08/2026 |
Qualifying DTI below maximum allowed - 30.1% DTI is lower than max of 45% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 792 is higher than required 700. Months Reserves exceed minimum required - required 6 months borrower has 43.13 months of reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861840 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-24 09:04 | 2026-04-08 16:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received RCE from insurer. - Due Diligence Vendor-04/08/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided. Missing copy of the Replacement Cost Estimator. Per ARM Overlays -Homeowners Insurance Coverage-Replacement Cost Coverage is required on all loans. - Due Diligence Vendor-03/24/2026 |
Resolved-Received RCE from insurer. - Due Diligence Vendor-04/08/2026 |
Qualifying DTI below maximum allowed - 30.1% DTI is lower than max of 45% Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 792 is higher than required 700. Months Reserves exceed minimum required - required 6 months borrower has 43.13 months of reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861841 | xxxxxx | C | B | C | A | C | A | B | B | Closed | xxxxxx | 2026-04-01 08:31 | 2026-05-13 07:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for Final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 Counter-The CD dated and signed xxxxxx that you sent in shows a lender credit of $ 748.56, the final CD shows a Lender credit of $621.00. Finding Remains. - Due Diligence Vendor-05/06/2026 Counter-Received a copy of the Esigned CD xxxxxx that corelates with the COC. Lender Credit decreased again on the final CD issued and signed on xxxxxx. Please provide COC or PCCD with a refund to the borrower. - Due Diligence Vendor-04/23/2026 Counter-Received COC dated xxxxxx. Change occurred on CD xxxxxx. Need COC that correlates to that CD. - Due Diligence Vendor-04/15/2026 Open-****New***** Lender credit decreased from $749.00 to $621.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $128.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/01/2026 |
Resolved-Received COC for Final CD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $10,741.61 residual income. On time mortgage history exceeds guideline requirement - 10+ Years reporting |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861841 | xxxxxx | C | B | C | A | C | A | B | B | Closed | xxxxxx | 2026-03-24 16:33 | 2026-04-29 13:49 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. The initial CD was provided. - Due Diligence Vendor-04/29/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The Initial CD is missing from the loan file. Unable to determine the status. Additional findings may apply. - Due Diligence Vendor-03/24/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. The initial CD was provided. - Due Diligence Vendor-04/29/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $10,741.61 residual income. On time mortgage history exceeds guideline requirement - 10+ Years reporting |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861841 | xxxxxx | C | B | C | A | C | A | B | B | Closed | xxxxxx | 2026-03-24 11:14 | 2026-04-01 08:37 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/01/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/01/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $10,741.61 residual income. On time mortgage history exceeds guideline requirement - 10+ Years reporting |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861841 | xxxxxx | C | B | C | A | C | A | B | B | Closed | xxxxxx | 2026-03-24 14:03 | 2026-03-26 08:43 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding - Due Diligence Vendor-03/26/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx and xxxxxx xxxxxx Incident Period: xxxxxx Public Assistance. - Due Diligence Vendor-03/24/2026 |
Waived-Client waiver applied to non material finding - Due Diligence Vendor-03/26/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - $10,741.61 residual income. On time mortgage history exceeds guideline requirement - 10+ Years reporting |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861842 | xxxxxx | D | B | D | B | D | A | C | A | Closed | xxxxxx | 2026-03-26 10:55 | 2026-05-18 09:30 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received 1.9 year verified income. - Due Diligence Vendor-05/12/2026 Counter-Pending receipt of 2 year employment history. - Due Diligence Vendor-05/05/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. .Total Qualified Assets Post-Close amount is '$-50121.99'. Assets are Insufficient - Due Diligence Vendor-03/26/2026 |
Resolved-Received 1.9 year verified income. - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 0 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,028.20; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861842 | xxxxxx | D | B | D | B | D | A | C | A | Closed | xxxxxx | 2026-03-26 10:37 | 2026-05-12 13:21 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived-Client provided a waiver for <2 year verified income, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 Counter-Client comments - AUS requested a paystub and the most recent W2- that was provided in the file. AUDIT response - Income documentation is sufficient, however 1 year and 9 months of employment provided and a 2 year employment history is required. Finding remains. - Due Diligence Vendor-05/05/2026 Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months. Missing a complete 2 year history of employment for the co-borrower. - Due Diligence Vendor-03/26/2026 |
Waived-Client provided a waiver for <2 year verified income, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 0 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,028.20; minimum required NONE |
DTI <= 40% which is below requirement in guidelines Credit Score 30+ points > minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861842 | xxxxxx | D | B | D | B | D | A | C | A | Closed | xxxxxx | 2026-03-24 13:44 | 2026-05-05 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-05/05/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/24/2026 |
Resolved-Received VOE. - Due Diligence Vendor-05/05/2026 |
Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 0 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,028.20; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861842 | xxxxxx | D | B | D | B | D | A | C | A | Closed | xxxxxx | 2026-03-24 14:10 | 2026-05-05 14:33 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional assets. - Due Diligence Vendor-05/05/2026 Open-Total Qualified Assets Post-Close amount is '$-50121.99'. Assets are Insufficient. - Due Diligence Vendor-03/24/2026 |
Resolved-Received additional assets. - Due Diligence Vendor-05/05/2026 |
Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 0 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,028.20; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861842 | xxxxxx | D | B | D | B | D | A | C | A | Closed | xxxxxx | 2026-03-26 11:05 | 2026-04-20 14:56 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-FEMA disaster (Individual) after appraisal without a PDI or 1004D. xxxxxx (individual). Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/26/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 0 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,028.20; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861842 | xxxxxx | D | B | D | B | D | A | C | A | Closed | xxxxxx | 2026-03-24 12:20 | 2026-04-08 08:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Received Collateral Protection Notice. Finding Resolved - Due Diligence Vendor-04/08/2026 Open-Collateral Protection Notice is Missing Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-03/24/2026 |
Resolved-Received Collateral Protection Notice. Finding Resolved - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 0 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,028.20; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861843 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-24 12:08 | 2026-04-08 08:38 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-SOL has expired. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Appraisal Desk Review in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-03/24/2026 |
Resolved-SOL has expired. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - Reserves required 15.00 Verified $30,149.19 Qualifying FICO score is at least 20 points above minimum for program - Credit score required 700 and verified 750 |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861845 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-24 13:17 | 2026-05-12 08:27 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/12/2026 Counter-The borrower must be given 3 days to review the CD prior to closing. The CD dated xxxxxx was signed at closing on xxxxxx so is the final CD. We are in need of the initial CD acknowledged by borrower a minimum of 3 days prior to closing. Finding Remains. - Due Diligence Vendor-05/06/2026 Counter-W have a CD dated xxxxxx borrower signed on xxxxxx which matches the notary date of the mortgage. We have a PCCD dated xxxxxx. We need aa initial CD borrower acknowledged 3 days prior to the closing. - Due Diligence Vendor-04/30/2026 Counter-Mortgage notary date is xxxxxx, final application is dated xxxxxx. PCCD in file shows closing date as xxxxxx. Please provide the initial CD 3 days prior. - Due Diligence Vendor-04/10/2026 Counter-CD provided is the final CD signed on xxxxxx, please provide initial signed CD 3 days prior to consummation. - Due Diligence Vendor-04/08/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - The borrower has over 23 months of reserves after closing. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861845 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-24 11:01 | 2026-04-30 07:48 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received confirmation of lock date and LE within 3 days. Finding Resolved. - Due Diligence Vendor-04/30/2026 Counter-Please provide Information to the Lock date and a LE or CD within 3 days of lock. - Due Diligence Vendor-04/10/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. ------missing initial CD unable to test properly additional findings may apply - Due Diligence Vendor-03/24/2026 |
Resolved-Received confirmation of lock date and LE within 3 days. Finding Resolved. - Due Diligence Vendor-04/30/2026 |
Months Reserves exceed minimum required - The borrower has over 23 months of reserves after closing. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861845 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-24 10:24 | 2026-04-08 08:47 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-SOL expired xxxxxx. - Due Diligence Vendor-04/08/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date ------Please provide COC for when loan program changed from Fixed to ARM. ARM Disclosure was signed on closing, xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-SOL expired xxxxxx. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - The borrower has over 23 months of reserves after closing. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861845 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-24 10:24 | 2026-04-08 08:44 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-04/08/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date -----Please provide COC for when loan program changed from Fixed to ARM. CHARM was signed on closing, xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - The borrower has over 23 months of reserves after closing. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861845 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-24 13:13 | 2026-04-08 08:44 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/01/2026 Open-Missing e-Consent. -----Missing e-consent and borrower acknowledge. - Due Diligence Vendor-03/24/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/01/2026 |
Months Reserves exceed minimum required - The borrower has over 23 months of reserves after closing. Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861846 | xxxxxx | D | D | A | A | D | D | A | A | Closed | xxxxxx | 2026-03-24 10:43 | 2026-05-15 08:09 | Waived | 3 - Material | D | D | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. Statute of Limitations 3 years - Expiration Date is xxxxxx - Due Diligence Vendor-03/31/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $2,797.33 ; minimum required NONE Credit history exceeds minimum required - Credit History = 120 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861847 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-24 08:55 | 2026-05-13 10:03 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to credit trades paid as agreed 50+ months and 5x+ residual income required. - Due Diligence Vendor-05/13/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing VOR for the borrowers primary residence. xxxxxx requires on FTHB. - Due Diligence Vendor-03/24/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to credit trades paid as agreed 50+ months and 5x+ residual income required. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 21.93% below maximum allowed Months Reserves exceed minimum required - Borrower has $116,066.01 months of reserves. |
1 - DTI <= 36% which is below requirement in guidelines 2 - Reserves exceed requirement by 10 months or more |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861847 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-25 23:33 | 2026-05-12 13:27 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOR for the borrowers primary residence. xxxxxx requires on FTHB - Due Diligence Vendor-03/26/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI 21.93% below maximum allowed Months Reserves exceed minimum required - Borrower has $116,066.01 months of reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861848 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-24 11:30 | 2026-04-23 11:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/23/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,736.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $4736.50 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4736.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,952.43; minimum required NONE Months Reserves exceed minimum required - Reserves = 136 months – Required Reserves = 0 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861848 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 13:14 | 2026-04-09 08:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received fully executed CD from sale of property. Asset Record 3 Meets G/L Requirements - Due Diligence Vendor-04/09/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Lender to provide proof borrower has received the proceeds from the sale of property. File contained an estimated settlement statement that is unsigned. Additional findings may apply. - Due Diligence Vendor-03/25/2026 |
Resolved-Received fully executed CD from sale of property. Asset Record 3 Meets G/L Requirements - Due Diligence Vendor-04/09/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $9,952.43; minimum required NONE Months Reserves exceed minimum required - Reserves = 136 months – Required Reserves = 0 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-24 15:47 | 2026-05-13 10:20 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Upon further review asset was not required for cash to close or reserves and 0% access to account applied. - Due Diligence Vendor-05/13/2026 Open-Asset 5 Does Not Meet Guideline Requirements xxxxxx acct xxxxxx is owned by co-borrower and another party. Missing access letter from other account holders - Due Diligence Vendor-03/30/2026 |
Resolved-Upon further review asset was not required for cash to close or reserves and 0% access to account applied. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-24 15:47 | 2026-05-13 10:20 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Upon further review asset was not required for cash to close or reserves and 0% access to account applied. - Due Diligence Vendor-05/13/2026 Open-Asset 4 Does Not Meet Guideline Requirements xxxxxx acct xxxxxx is owned by co-borrower and another party. Missing access letter from other account holders - Due Diligence Vendor-03/24/2026 |
Resolved-Upon further review asset was not required for cash to close or reserves and 0% access to account applied. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-24 15:52 | 2026-05-11 10:59 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-DTI within guides and 3% of AUS. - Due Diligence Vendor-05/11/2026 Counter-Documents were not attached. - Due Diligence Vendor-05/08/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guidelines - Due Diligence Vendor-03/30/2026 |
Resolved-DTI within guides and 3% of AUS. - Due Diligence Vendor-05/11/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-24 16:06 | 2026-05-11 10:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Received 1007 and lease. - Due Diligence Vendor-05/06/2026 Counter-Client states the borrowers are renting the departing residence. Missing the Lease and 1007 for the departing residence. Additional findings may apply - Due Diligence Vendor-04/16/2026 Counter-Received AUS submission #4. Audit received submission #9 as final. DTI reflecting 52.16%. Finding remains - Due Diligence Vendor-04/09/2026 Open-Audited DTI of 50.21% exceeds AUS DTI of 38.22% . Missing supporting documents to offset payment on departing residence. DU will need to be rerun - Due Diligence Vendor-03/30/2026 |
Resolved-Received 1007 and lease. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-30 12:32 | 2026-05-11 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | AUS Partially Provided | Resolved-Upon further review, reviewed used the most recent submission #9. Tip income is disclosed as commission and is deemed non-material. - Due Diligence Vendor-04/16/2026 Counter-Received DU submission #4 and note from originator AUS cannot be rerun as purchased from an investor. Missing corrected final AUS reflecting correct income sources. Audit received final AUS submission #9. - Due Diligence Vendor-04/09/2026 Open-Tip income was run on DU incorrectly as commission income. DU needs to be rerun reflecting tip income properly - Due Diligence Vendor-03/30/2026 |
Resolved-Upon further review, reviewed used the most recent submission #9. Tip income is disclosed as commission and is deemed non-material. - Due Diligence Vendor-04/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-24 15:48 | 2026-04-20 15:07 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. INDIVIDUAL: xxxxxx; Major Disaster Declaration declared on xxxxxx. PDI required - Due Diligence Vendor-03/30/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-30 11:51 | 2026-04-09 08:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received processor cert for HOA dues on xxxxxx - Due Diligence Vendor-04/09/2026 Open-Missing verification of HOA dues for property xxxxxx - Due Diligence Vendor-03/30/2026 |
Resolved-Received processor cert for HOA dues on xxxxxx - Due Diligence Vendor-04/09/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861849 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-03-24 12:29 | 2026-03-31 15:49 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | ARM Disclosure is Missing | Waived-ARM Disclosure is Missing Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. Client waived applied to non - material finding. SOL Expired. - Due Diligence Vendor-03/31/2026 | Waived-ARM Disclosure is Missing Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. Client waived applied to non - material finding. SOL Expired. - Due Diligence Vendor-03/31/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 755 Mid FICO with 700 required Months Reserves exceed minimum required - 13.63 mos reserves; 0 mos required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861850 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-04-02 13:57 | 2026-05-12 13:39 | Resolved | 1 - Information | C | A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-ATR: Current Employment Was Verified - Due Diligence Vendor-05/12/2026 Open-ATR: Current Employment Not Verified Missing verification the co-borrower’s self-employed business is open and operating within 10 days of the Promissory Note date. - Due Diligence Vendor-04/02/2026 |
Resolved-ATR: Current Employment Was Verified - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Actual 10,411.64 Months Reserves exceed minimum required - 0 required, 320 months verified |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861850 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-04-01 13:58 | 2026-05-12 13:37 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Waived-Client provided a waiver for pre close VVOE within 10 days for B2, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide verification the co-borrower’s self-employed business is open and operating within 10 days of the Promissory Note date. - Due Diligence Vendor-04/01/2026 |
Waived-Client provided a waiver for pre close VVOE within 10 days for B2, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Actual 10,411.64 Months Reserves exceed minimum required - 0 required, 320 months verified |
Credit Score 10 points > minimum required Reserves exceed requirement by 10 months or more |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861850 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-04-01 13:50 | 2026-04-22 10:49 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/22/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. The subject is located in a FEMA disaster for xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx. A post disaster inspection is required. - Due Diligence Vendor-04/01/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/22/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Actual 10,411.64 Months Reserves exceed minimum required - 0 required, 320 months verified |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861850 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 09:53 | 2026-04-15 08:06 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for changes in fees. Finding Resolved. - Due Diligence Vendor-04/15/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,724.00) exceed the comparable charges ($60.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Closing Protection Letter Fee, Courier / Messenger Fee, Lender's Title Insurance Policy Fee, Recording Service Fee, Settlement or Closing Fee, Title Endorsement Fee, Wire Transfer Fee) increased by $1,724.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,658.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received COC for changes in fees. Finding Resolved. - Due Diligence Vendor-04/15/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Actual 10,411.64 Months Reserves exceed minimum required - 0 required, 320 months verified |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861851 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 13:24 | 2026-04-01 10:26 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided a BPO which supports the value - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU score is 2.7. Lender to provide a BPO to support the appraised value. - Due Diligence Vendor-03/23/2026 |
Resolved-Lender provided a BPO which supports the value - Due Diligence Vendor-04/01/2026 |
Qualifying DTI below maximum allowed - Max DTI allowed is 45%, Borrower has 29.31% Months Reserves exceed minimum required - Borrower has $7,576.23, or 6 months reserves, in assets remaining after closing, no reserves were required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861852 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 15:12 | 2026-04-01 08:47 | Resolved | 1 - Information | C | A | Compliance | TRID | Missing Intent to Proceed | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. ITP in file is not signed and dated - Due Diligence Vendor-03/20/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 |
Additional assets not used to qualify - Qualifying Total Reserves $86,958.69 is higher than $1685.00 required Verified employment history exceeds guidelines - Verified employment history of 36 months exceed 24 months required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861853 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-24 15:57 | 2026-04-02 11:58 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Waived-CHARM Booklet Not Provided Within 3 Days of Application Date Investor waiver applied due to expired SOL. Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. SOL expired. - Due Diligence Vendor-04/02/2026 | Waived-CHARM Booklet Not Provided Within 3 Days of Application Date Investor waiver applied due to expired SOL. Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. SOL expired. - Due Diligence Vendor-04/02/2026 |
Long term residence - Borrower has resided in the primary residence for 26 years. On time mortgage history exceeds guideline requirement - Borrower has a 0x30x82 mortgage history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861853 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-25 15:34 | 2026-03-25 15:34 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied due to expired SOL. - Due Diligence Vendor-03/25/2026 | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied due to expired SOL. - Due Diligence Vendor-03/25/2026 |
Long term residence - Borrower has resided in the primary residence for 26 years. On time mortgage history exceeds guideline requirement - Borrower has a 0x30x82 mortgage history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861854 | xxxxxx | C | B | A | A | A | A | C | B | Closed | xxxxxx | 2026-03-30 11:40 | 2026-05-29 15:48 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Waived-Client exception granted to allow drive by inspection to document xxxxxx. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/29/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing Completion Report (1004D) - Due Diligence Vendor-03/30/2026 |
Waived-Client exception granted to allow drive by inspection to document completion of the driveway and landscaping on a new construction. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-05/29/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $10,214.19 ; minimum required NONE On time mortgage history exceeds guideline requirement - 0x30 credit history to 2015 exceeds 0x30x12 |
Qualifying residual income = $10,214.19 ; minimum required NONE 0x30 credit history to 2015 exceeds 0x30x12 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861857 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-03-26 09:03 | 2026-05-13 08:48 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. deemed non material as assets just shy of 20% more than the amount of funds needed for down payment and closing costs. - Due Diligence Vendor-05/13/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing verification of the receipt of funds from the sale of securities with xxxxxx. DU Findings #22 and 23 require receipt of funds when the estimated liquidation value is not at least 20% more than the amount of funds needed for down payment and closing costs. - Due Diligence Vendor-03/26/2026 |
Waived-Client exception granted, waiver applied with comp factors. deemed non material as assets just shy of 20% more than the amount of funds needed for down payment and closing costs. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 700 minimum required. Qualifying DTI below maximum allowed - 38.61% DTI is less than 45% maximum. |
1 - DTI <= 40% which is below requirement in guidelines 2 - Credit Score 20 points > minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861857 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-03-26 08:09 | 2026-05-13 08:44 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to TWN VOI in file providing 2022 income. - Due Diligence Vendor-05/13/2026 Open-Borrower 1 W2/1099 Less Than 24 Months Provided Missing 2022 W2. Although TWN VOI in file providing 2022 income, xxxxxx does not allow Third Party Vendor VOE in lieu of W2s. - Due Diligence Vendor-03/26/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to TWN VOI in file providing 2022 income. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 700 minimum required. Qualifying DTI below maximum allowed - 38.61% DTI is less than 45% maximum. |
1 - DTI <= 40% which is below requirement in guidelines 2 - Credit Score 20 points > minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861857 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-03-24 10:59 | 2026-04-03 08:37 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '12'). ----- Client waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '12'). ----- Client waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 700 minimum required. Qualifying DTI below maximum allowed - 38.61% DTI is less than 45% maximum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861857 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-03-24 10:59 | 2026-04-03 08:36 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Waived-CHARM Booklet Not Provided Within 3 Days of Application Date. Statute of Limitations - One Year; Expiration date: xxxxxx. SOL Expired. Client waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026 | Waived-CHARM Booklet Not Provided Within 3 Days of Application Date. Statute of Limitations - One Year; Expiration date: xxxxxx. SOL Expired. Client waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 700 minimum required. Qualifying DTI below maximum allowed - 38.61% DTI is less than 45% maximum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861857 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-03-24 10:59 | 2026-04-03 08:35 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Waived-ARM Disclosure Not Provided Within 3 Days of Application Date. Statute of Limitations - One Year; Expiration date: xxxxxx. SOL Expired. Client waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026 | Waived-ARM Disclosure Not Provided Within 3 Days of Application Date. Statute of Limitations - One Year; Expiration date: xxxxxx. SOL Expired. Client waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026 |
Qualifying FICO score is at least 20 points above minimum for program - 789 FICO exceeds 700 minimum required. Qualifying DTI below maximum allowed - 38.61% DTI is less than 45% maximum. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861858 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-03-30 12:44 | 2026-05-18 09:12 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-05/18/2026 Open-Subject is located in a FEMA disaster area for xxxxxx with an incident period of xxxxxx and a declaration date of xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx. - Due Diligence Vendor-03/31/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-05/18/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 7,027.09 Months Reserves exceed minimum required - We have 60.51 mos after closing with no reserves required per DU |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861858 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-03-24 16:43 | 2026-05-12 13:57 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Client provided a waiver for IRS transcripts, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 Counter-Lender provided CPA letter regarding percentage of ownership of business. Still need IRS tax transcripts as required by guidelines. - Due Diligence Vendor-04/01/2026 Open-Borrower 1 IRS Transcripts Missing IRS Transcripts are required for the past two years due to working for family owned business (spouse is owner of company borrower works at). - Due Diligence Vendor-03/24/2026 |
Waived-Client provided a waiver for IRS transcripts, applied to non material finding with comp factors - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 7,027.09 Months Reserves exceed minimum required - We have 60.51 mos after closing with no reserves required per DU |
Reserves exceed requirement by 10 months or more Residual income more than 2.5x the amount required by guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861858 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-03-30 12:56 | 2026-04-20 15:13 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Subject is located in a FEMA disaster area for xxxxxx with an incident period of xxxxxx and a declaration date of xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx. A Post Disaster Inspection is required. - Due Diligence Vendor-03/31/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 7,027.09 Months Reserves exceed minimum required - We have 60.51 mos after closing with no reserves required per DU |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861858 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-03-24 15:22 | 2026-04-01 12:39 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU in file is > 2.5. A BPO is required to support the original value - Due Diligence Vendor-03/24/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 7,027.09 Months Reserves exceed minimum required - We have 60.51 mos after closing with no reserves required per DU |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861858 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-03-24 13:22 | 2026-03-31 15:50 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | ARM Disclosure is Missing | Waived-ARM Disclosure is Missing Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. SOL Expired. Client waiver applied to non-material finding. - Due Diligence Vendor-03/31/2026 | Waived-ARM Disclosure is Missing Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. SOL Expired. Client waiver applied to non-material finding. - Due Diligence Vendor-03/31/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income 7,027.09 Months Reserves exceed minimum required - We have 60.51 mos after closing with no reserves required per DU |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861859 | xxxxxx | C | B | C | A | C | A | C | B | Closed | xxxxxx | 2026-03-26 05:58 | 2026-04-29 15:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared for xxxxxx xxxxxx on xxxxxx Report dated xxxxxx. Sam.Gov search provided by lender as well confirming no matches for this individual. - Due Diligence Vendor-04/29/2026 Open-OFAC Check Not Completed and/or Cleared for all parties on the Fraud Report (xxxxxx, xxxxxx). Provide documentation to clear alert. - Due Diligence Vendor-03/26/2026 |
Resolved-OFAC Check Completed and Cleared for xxxxxx xxxxxx on xxxxxx Report dated xxxxxx. Sam.Gov search provided by lender as well confirming no matches for this individual. - Due Diligence Vendor-04/29/2026 |
Credit history exceeds minimum required - Credit History = 159 Months Minimum Credit History = 12 Months Additional assets not used to qualify - Borrower has additional assets not being used |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861859 | xxxxxx | C | B | C | A | C | A | C | B | Closed | xxxxxx | 2026-03-26 11:24 | 2026-04-20 15:16 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-FEMA disaster declared INDIVIDUAL- xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/26/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - Credit History = 159 Months Minimum Credit History = 12 Months Additional assets not used to qualify - Borrower has additional assets not being used |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861859 | xxxxxx | C | B | C | A | C | A | C | B | Closed | xxxxxx | 2026-03-24 11:38 | 2026-04-16 07:43 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Received IDS Tracking, disclosure sent within 3 days of application. Finding Resolved. - Due Diligence Vendor-04/16/2026 Counter-Received ARM disclosure, still more than 3 days after application. Need proof that ARM disclosure was sent to borrower within 3 days of application dated xxxxxx. - Due Diligence Vendor-04/15/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received IDS Tracking, disclosure sent within 3 days of application. Finding Resolved. - Due Diligence Vendor-04/16/2026 |
Credit history exceeds minimum required - Credit History = 159 Months Minimum Credit History = 12 Months Additional assets not used to qualify - Borrower has additional assets not being used |
Documents provided are not for the borrower on this file. Finding Remains. | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | |
| 861859 | xxxxxx | C | B | C | A | C | A | C | B | Closed | xxxxxx | 2026-03-24 11:38 | 2026-04-16 07:42 | Resolved | 1 - Information | C | A | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Received CHARM Booklet. Finding Resolved. - Due Diligence Vendor-04/15/2026 Counter-Documents provided are not for the borrower on this file. Finding Remains. - Due Diligence Vendor-04/08/2026 Open-CHARM Booklet Not Provided Within 3 Days of Application Date Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received CHARM Booklet. Finding Resolved. - Due Diligence Vendor-04/15/2026 |
Credit history exceeds minimum required - Credit History = 159 Months Minimum Credit History = 12 Months Additional assets not used to qualify - Borrower has additional assets not being used |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861859 | xxxxxx | C | B | C | A | C | A | C | B | Closed | xxxxxx | 2026-03-24 12:19 | 2026-04-15 08:17 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/15/2026 Counter-Documents provided are not for the borrower on this file. Finding Remains. - Due Diligence Vendor-04/08/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $72.21.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $72.02 (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $72.02, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Charge increase of $0.19 due to rounding. - Due Diligence Vendor-03/24/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/15/2026 |
Credit history exceeds minimum required - Credit History = 159 Months Minimum Credit History = 12 Months Additional assets not used to qualify - Borrower has additional assets not being used |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861859 | xxxxxx | C | B | C | A | C | A | C | B | Closed | xxxxxx | 2026-03-26 11:24 | 2026-03-26 11:27 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-FEMA disaster declared PUBLIC ONLY- xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/26/2026 |
Waived-FEMA disaster declared PUBLIC ONLY- xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/26/2026 |
Credit history exceeds minimum required - Credit History = 159 Months Minimum Credit History = 12 Months Additional assets not used to qualify - Borrower has additional assets not being used |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx | ||
| 861860 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-23 15:50 | 2026-04-15 17:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-WVOE provided for B2 confirming ability to work remote. - Due Diligence Vendor-04/15/2026 Counter-Review did not receive upload. Please re upload. - Due Diligence Vendor-04/09/2026 Open-Borrowers are relocating from xxxxxx. Provide verification from xxxxxx that xxxxxx is able to work remote and/or the move will not have an effect on earnings. Currently only an email was received from B1s employer confirming xxxxxx can work remote. - Due Diligence Vendor-03/23/2026 |
Resolved-WVOE provided for B2 confirming ability to work remote. - Due Diligence Vendor-04/15/2026 |
Months Reserves exceed minimum required - no reserves required - have 17.63 months Qualifying DTI below maximum allowed - 45% max DTI - loan has 21.02% DTI |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861860 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-23 15:56 | 2026-04-09 09:50 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received xxxxxx for B2 dated xxxxxx - Due Diligence Vendor-04/09/2026 Open-Income and Employment Do Not Meet Guidelines xxxxxx has been a W2 wage earner with xxxxxx since xxxxxx. Prior to xxxxxx- Brw was employed with xxxxxx from xxxxxx. Prior to xxxxxx- Brw was a Student at xxxxxx. Provide copy of xxxxxx to document a complete 2 year work history. - Due Diligence Vendor-03/23/2026 |
Resolved-Received xxxxxx for B2 dated xxxxxx - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - no reserves required - have 17.63 months Qualifying DTI below maximum allowed - 45% max DTI - loan has 21.02% DTI |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861860 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-24 07:15 | 2026-04-09 09:46 | Resolved | 1 - Information | D | A | Property | Missing Doc | Property 1: Missing Second Valuation Product | Resolved-Received BPO - Due Diligence Vendor-04/09/2026 Open-Missing BPO - Due Diligence Vendor-03/24/2026 |
Resolved-Received BPO - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - no reserves required - have 17.63 months Qualifying DTI below maximum allowed - 45% max DTI - loan has 21.02% DTI |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861861 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-25 14:35 | 2026-08-25 15:04 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO that supports appraised value - Due Diligence Vendor-04/16/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU in file is > 2.5. A BPO is required to support the original value - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO that supports appraised value - Due Diligence Vendor-04/16/2026 |
Long term residence - Borrowers' at primary residence for 7 years Months Reserves exceed minimum required - Min 0, actual 17.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861861 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-24 12:39 | 2026-04-15 08:27 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/15/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. -----Provide LE or CD issued within 3 days of lock date xxxxxx. Additional findings may apply upon receipt. - Due Diligence Vendor-03/24/2026 |
Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/15/2026 |
Long term residence - Borrowers' at primary residence for 7 years Months Reserves exceed minimum required - Min 0, actual 17.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861861 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-25 12:54 | 2026-03-25 12:54 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Waived-ARM Disclosure Not Provided Within 3 Days of Application Date -----[SOL expired xxxxxx] Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. Client waiver applied to non-material Findings. Waived due to being expired. - Due Diligence Vendor-03/25/2026 | Waived-ARM Disclosure Not Provided Within 3 Days of Application Date -----[SOL expired xxxxxx] Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. Client waiver applied to non-material Findings. Waived due to being expired. - Due Diligence Vendor-03/25/2026 |
Long term residence - Borrowers' at primary residence for 7 years Months Reserves exceed minimum required - Min 0, actual 17.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861861 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-24 11:07 | 2026-03-24 11:41 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | ARM Disclosure is Partially Provided | Waived-ARM Disclosure is Partially Provided Missing executed ARM/CHARM disclosure within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. [SOL expired xxxxxx, Client waiver applied to non-material Findings.] - Due Diligence Vendor-03/24/2026 |
Waived-ARM Disclosure is Partially Provided Missing executed ARM/CHARM disclosure within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. [SOL expired xxxxxx, Client waiver applied to non-material Findings.] - Due Diligence Vendor-03/24/2026 |
Long term residence - Borrowers' at primary residence for 7 years Months Reserves exceed minimum required - Min 0, actual 17.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861861 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-24 11:20 | 2026-03-24 11:41 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Waived-CHARM Booklet Not Provided Within 3 Days of Application Date Missing CHARM booklet within 3 days of change in product from fixed to ARM. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Waived-CHARM Booklet Not Provided Within 3 Days of Application Date Missing CHARM booklet within 3 days of change in product from fixed to ARM. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Long term residence - Borrowers' at primary residence for 7 years Months Reserves exceed minimum required - Min 0, actual 17.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861864 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 16:32 | 2026-04-09 10:23 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received correct AUS on 1008 - Due Diligence Vendor-04/09/2026 Open-Approval/Underwriting Summary Partially Provided 1008 in file DU Case ID xxxxxx however, DU Approve/Eligible submission #4 in file list Case ID as xxxxxx. - Due Diligence Vendor-03/23/2026 |
Resolved-Received correct AUS on 1008 - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - 6.82mos reserves. Per guides, no reserves required Credit history exceeds minimum required - Credit History = 88 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861864 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 12:10 | 2026-04-08 09:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 Open-ARM Disclosure is Missing Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - 6.82mos reserves. Per guides, no reserves required Credit history exceeds minimum required - Credit History = 88 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861864 | xxxxxx | D | A | B | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 12:10 | 2026-04-08 09:39 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-Missing e-Consent. provide e-consent for transaction. Document in file is dated xxxxxx - Due Diligence Vendor-03/23/2026 |
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - 6.82mos reserves. Per guides, no reserves required Credit history exceeds minimum required - Credit History = 88 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861865 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-24 13:01 | 2026-04-03 08:57 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Missing e-Consent | Waived-E-Consent is presumed as received, finding is deemed non-material, investor waiver applied - Due Diligence Vendor-04/03/2026 | Waived-E-Consent is presumed as received, finding is deemed non-material, investor waiver applied - Due Diligence Vendor-04/03/2026 |
Verified employment history exceeds guidelines - B1 Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Year Long term residence - Borrower at current residence 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861865 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-24 13:01 | 2026-03-25 11:06 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | ARM Disclosure is Missing | Waived-ARM Disclosure is Missing Missing ARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expired Date: xxxxxx. SOL for this finding is expired, Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Waived-ARM Disclosure is Missing Missing ARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expired Date: xxxxxx. SOL for this finding is expired, Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Verified employment history exceeds guidelines - B1 Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Year Long term residence - Borrower at current residence 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861865 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-24 13:01 | 2026-03-25 11:05 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | CHARM Booklet is Missing | Waived-CHARM Booklet is Missing Missing CHARM booklet within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expired Date: xxxxxx. SOL is expired, Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Waived-CHARM Booklet is Missing Missing CHARM booklet within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year(s); Expired Date: xxxxxx. SOL is expired, Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Verified employment history exceeds guidelines - B1 Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Year Long term residence - Borrower at current residence 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861865 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-03-24 13:01 | 2026-03-24 13:01 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Verified employment history exceeds guidelines - B1 Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Year Long term residence - Borrower at current residence 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861866 | xxxxxx | C | B | A | A | C | B | C | B | Closed | xxxxxx | 2026-03-30 12:47 | 2026-04-20 15:22 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-03/30/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - No reserves required. The borrower's have 24 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Guidelines require minimum FICO of 700. Borrowers have a 763 FICO. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861866 | xxxxxx | C | B | A | A | C | B | C | B | Closed | xxxxxx | 2026-03-23 11:10 | 2026-04-08 09:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/23/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - No reserves required. The borrower's have 24 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Guidelines require minimum FICO of 700. Borrowers have a 763 FICO. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861866 | xxxxxx | C | B | A | A | C | B | C | B | Closed | xxxxxx | 2026-03-23 10:18 | 2026-03-31 09:38 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Upon further review, no additional documentation required - Due Diligence Vendor-03/31/2026 Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. Non-Curable Finding - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review, no additional documentation required - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - No reserves required. The borrower's have 24 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Guidelines require minimum FICO of 700. Borrowers have a 763 FICO. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861866 | xxxxxx | C | B | A | A | C | B | C | B | Closed | xxxxxx | 2026-03-30 12:47 | 2026-03-30 12:56 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Public Assistance. - Due Diligence Vendor-03/30/2026 |
Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 |
Months Reserves exceed minimum required - No reserves required. The borrower's have 24 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Guidelines require minimum FICO of 700. Borrowers have a 763 FICO. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861866 | xxxxxx | C | B | A | A | C | B | C | B | Closed | xxxxxx | 2026-03-23 10:18 | 2026-03-23 13:11 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - No reserves required. The borrower's have 24 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Guidelines require minimum FICO of 700. Borrowers have a 763 FICO. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861867 | xxxxxx | C | B | A | A | A | A | C | B | Closed | xxxxxx | 2026-04-02 12:10 | 2026-04-20 15:23 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-FEMA Disasters -xxxxxx, Declaration Date: xxxxxx- Individual* xxxxxx- Declaration date xxxxxx Individual- Provide PDI - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 66 mths reserves; 3 mths required. Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861867 | xxxxxx | C | B | A | A | A | A | C | B | Closed | xxxxxx | 2026-04-02 12:16 | 2026-04-02 12:23 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Public assistance - Due Diligence Vendor-04/02/2026 Open-xxxxxx-Public Declaration Date: xxxxxx Declaration Date: xxxxxx- Declaration date xxxxxx Public - Due Diligence Vendor-04/02/2026 |
Waived-Public assistance - Due Diligence Vendor-04/02/2026 |
Months Reserves exceed minimum required - 66 mths reserves; 3 mths required. Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861868 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 15:41 | 2026-04-01 13:23 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided BPO which supports value - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU score exceeds 2.5, a BPO is required to support original value. - Due Diligence Vendor-03/25/2026 |
Resolved-Lender provided BPO which supports value - Due Diligence Vendor-04/01/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 in the past 34 months Months Reserves exceed minimum required - 62 months reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861869 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-03-30 14:07 | 2026-05-12 17:31 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of the borrower's housing history. - Due Diligence Vendor-03/30/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - No reserves required. Borrower verified 34.95 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700. Borrower has a 793 FICO. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861869 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-03-23 16:46 | 2026-05-12 17:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as prior residence before rental was owned free and clear 8+ years - Due Diligence Vendor-05/12/2026 Open-Housing History Does Not Meet Guideline Requirements Borrower stated she was renting the her departing residence for 11 months paying $2,275 per month. The file is missing the verification of rent. - Due Diligence Vendor-03/30/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as prior residence before rental was owned free and clear 8+ years - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - No reserves required. Borrower verified 34.95 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700. Borrower has a 793 FICO. |
1 - Employed in same profession > 2 years 2 - Credit Score 30+ points > minimum required 3 - Reserves exceed requirement by 10 months or more |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861869 | xxxxxx | C | B | C | B | A | A | C | A | Closed | xxxxxx | 2026-04-02 15:37 | 2026-05-12 13:53 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO for subject property. Value is supported. - Due Diligence Vendor-05/12/2026 Counter-BPO provided is not for the subject property. Finding remains. - Due Diligence Vendor-05/06/2026 Counter-BPO not attached per comments - Due Diligence Vendor-04/16/2026 Open-The Primary Property Value is unsubstantiated. LCA score is >2.5. provide a BPO to support the value - Due Diligence Vendor-04/02/2026 |
Resolved-Received BPO for subject property. Value is supported. - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - No reserves required. Borrower verified 34.95 months of reserves. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700. Borrower has a 793 FICO. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861871 | xxxxxx | C | B | A | A | C | A | C | B | Closed | xxxxxx | 2026-04-02 11:43 | 2026-08-25 12:43 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Waived for Public designation. - Due Diligence Vendor-04/02/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. subject is located in a FEMA disaster for xxxxxx and xxxxxx xxxxxx with an incidence date of xxxxxx and a declaration date of xxxxxx and xxxxxx, and xxxxxx xxxxxx with an incident date of xxxxxx. Appraisal is dated xxxxxx. A property disaster inspection is required. - Due Diligence Vendor-04/02/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. - Due Diligence Vendor-04/02/2026 |
Waived-Waived for Public designation. - Due Diligence Vendor-04/02/2026 |
Verified employment history exceeds guidelines - Borrower has been at employer 36 years Months Reserves exceed minimum required - Borrower has additional reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861871 | xxxxxx | C | B | A | A | C | A | C | B | Closed | xxxxxx | 2026-04-02 11:43 | 2026-04-20 15:30 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. subject is located in a FEMA disaster for xxxxxx and xxxxxx xxxxxx with an incidence date of xxxxxx and a declaration date of xxxxxx. Appraisal is dated xxxxxx. A property disaster inspection is required. - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Verified employment history exceeds guidelines - Borrower has been at employer 36 years Months Reserves exceed minimum required - Borrower has additional reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861871 | xxxxxx | C | B | A | A | C | A | C | B | Closed | xxxxxx | 2026-03-23 09:55 | 2026-04-10 07:40 | Resolved | 1 - Information | C | A | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/10/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Please provide ARM Disclosure within 3 days of application. Application date is xxxxxx and ARM disclosure date is xxxxxx - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/10/2026 |
Verified employment history exceeds guidelines - Borrower has been at employer 36 years Months Reserves exceed minimum required - Borrower has additional reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861872 | xxxxxx | C | B | C | B | C | B | B | B | Closed | xxxxxx | 2026-03-24 14:35 | 2026-05-12 13:49 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received waiver for the DTI. - Due Diligence Vendor-05/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audit DTI 48.44% vs DU 48.37% within 3% variance however, exceeds DU Approve/Eligible DTI. - Due Diligence Vendor-03/24/2026 |
Resolved-Received waiver for the DTI. - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - 19.76mos reserves. Per guides, no reserves required Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO - have 732 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861872 | xxxxxx | C | B | C | B | C | B | B | B | Closed | xxxxxx | 2026-03-24 14:33 | 2026-05-12 13:48 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-The request for an exception regarding DTI is granted. Non-material as < 1% variance. - Due Diligence Vendor-05/12/2026 Counter-No document provided. DU requires if the DTI is over 45%, an new AUS is required if there is any increase. Finding remains. - Due Diligence Vendor-04/09/2026 Open-Audited DTI of 48.44% exceeds AUS DTI of 48.37% Audit DTI 48.44% vs DU 48.37% within 3% variance however, exceeds DU Approve/Eligible DTI. - Due Diligence Vendor-03/24/2026 |
Waived-The request for an exception regarding DTI is granted. Non-material as < 1% variance. - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - 19.76mos reserves. Per guides, no reserves required Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO - have 732 FICO |
Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861872 | xxxxxx | C | B | C | B | C | B | B | B | Closed | xxxxxx | 2026-03-24 07:02 | 2026-03-31 16:01 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Waived-Missing CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year; Expiration Date: xxxxxx. SOL expired, client waiver applied to non-material findings. - Due Diligence Vendor-03/31/2026 |
Waived-Missing CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year; Expiration Date: xxxxxx. SOL expired, client waiver applied to non-material findings. - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 19.76mos reserves. Per guides, no reserves required Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO - have 732 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861872 | xxxxxx | C | B | C | B | C | B | B | B | Closed | xxxxxx | 2026-03-24 07:02 | 2026-03-31 15:53 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Waived-Missing ARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year; Expiration Date: xxxxxx. SOL expired, client waiver applied to non-material findings. - Due Diligence Vendor-03/31/2026 |
Waived-Missing ARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statute of Limitations - 1 Year; Expiration Date: xxxxxx. SOL expired, client waiver applied to non-material findings. - Due Diligence Vendor-03/31/2026 |
Months Reserves exceed minimum required - 19.76mos reserves. Per guides, no reserves required Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO - have 732 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861872 | xxxxxx | C | B | C | B | C | B | B | B | Closed | xxxxxx | 2026-03-24 14:03 | 2026-03-30 12:53 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public assistance - Due Diligence Vendor-03/30/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA disaster (Public) after Appraisal completed xxxxxx. Property located in xxxxxx xxxxxx. Incident Period: xxxxxx. Declaration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Waived-Public assistance - Due Diligence Vendor-03/30/2026 |
Months Reserves exceed minimum required - 19.76mos reserves. Per guides, no reserves required Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO - have 732 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861874 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-30 12:47 | 2026-05-13 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-The loan file contains a Patriot Act disclosure that was verified by the title company. - Due Diligence Vendor-05/13/2026 Open-Borrower Citizenship Documentation Is Missing Borrower's VISA has the photo blocked out (photo also blocked out on driver's license). Missing unaltered documents - Due Diligence Vendor-03/30/2026 |
Resolved-The loan file contains a Patriot Act disclosure that was verified by the title company. - Due Diligence Vendor-05/13/2026 |
Verified employment history exceeds guidelines - 4+ yrs on the job Credit history exceeds minimum required - Credit History = 54 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861874 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-30 12:52 | 2026-04-14 10:11 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Upon further review, Received BPO. Value supported within tolerance. - Due Diligence Vendor-04/14/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx § Valreview Appraisal Review Value from xxxxxx - Due Diligence Vendor-04/09/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA did not provide a score. Missing BPO - Due Diligence Vendor-03/31/2026 |
Resolved-Upon further review, Received BPO. Value supported within tolerance. - Due Diligence Vendor-04/14/2026 |
Verified employment history exceeds guidelines - 4+ yrs on the job Credit history exceeds minimum required - Credit History = 54 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861875 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 18:54 | 2026-04-30 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Brw is 0.643202% owner of xxxxxx- complete 1065 tax returns not required as Brw is not >= 25% owner of business. - Due Diligence Vendor-04/30/2026 Counter-Received K1 and Lender comment: we do not have business returns we have what I attached and then the K1's. The complete 1065 is required. The K1 is just a summary of the finalized return. Finding remains. - Due Diligence Vendor-04/09/2026 Open-Borrower 1 Business Tax Returns Missing Only K-1's in the file. The analysis must include a review of the business tax returns - Due Diligence Vendor-03/30/2026 |
Resolved-Brw is 0.643202% owner of xxxxxx- complete 1065 tax returns not required as Brw is not >= 25% owner of business. - Due Diligence Vendor-04/30/2026 |
Credit history exceeds minimum required - Credit History = 300 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - MTG history Borrower has 0x30x30 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861875 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-30 13:51 | 2026-04-30 13:52 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable - sourcing for addtl funds for closing has been provided. - Due Diligence Vendor-04/30/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to determine ATR due to missing initial CD at least 3 days prior to closing and Total Qualified Assets Post-Close amount is '$-100771.07'. Provide additional source of funds for closing - Due Diligence Vendor-04/09/2026 |
Resolved-The Final Reviewed QM Status is acceptable - sourcing for addtl funds for closing has been provided. - Due Diligence Vendor-04/30/2026 |
Credit history exceeds minimum required - Credit History = 300 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - MTG history Borrower has 0x30x30 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861875 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-30 13:49 | 2026-04-30 13:07 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Client provided evidence Brw took a $200,000 draw from an existing HELOC with xxxxxx for remaining CTC. Funds were wired directly to title. New payment is $2,0000 which has been added to ratios. DTI increased to 17.41% which is within the 3% tolerance allowed- an updated AUS finding is not required. - Due Diligence Vendor-04/30/2026 Open-Total Qualified Assets Post-Close amount is '$-100771.07'. Provide additional source of funds for closing - Due Diligence Vendor-03/30/2026 |
Resolved-Client provided evidence Brw took a $200,000 draw from an existing HELOC with xxxxxx for remaining CTC. Funds were wired directly to title. New payment is $2,0000 which has been added to ratios. DTI increased to 17.41% which is within the 3% tolerance allowed- an updated AUS finding is not required. - Due Diligence Vendor-04/30/2026 |
Credit history exceeds minimum required - Credit History = 300 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - MTG history Borrower has 0x30x30 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861875 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-30 13:01 | 2026-04-20 15:38 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/30/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - Credit History = 300 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - MTG history Borrower has 0x30x30 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861875 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 14:41 | 2026-04-08 11:16 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open------ Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/31/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Credit history exceeds minimum required - Credit History = 300 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - MTG history Borrower has 0x30x30 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861875 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 10:26 | 2026-04-08 10:42 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-Missing e-Consent. ----- Missing e-Consent - Due Diligence Vendor-03/23/2026 |
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Credit history exceeds minimum required - Credit History = 300 Months Minimum Credit History = 24 Months On time mortgage history exceeds guideline requirement - MTG history Borrower has 0x30x30 months mortgage history, guides allow up to 1x30x12 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861877 | xxxxxx | B | B | A | A | B | B | B | B | Closed | xxxxxx | 2026-03-30 14:40 | 2026-03-30 14:50 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/30/2026 Open-xxxxxx declared on xxxxxx and xxxxxx declared xxxxxx. - Due Diligence Vendor-03/30/2026 |
Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/30/2026 |
Months Reserves exceed minimum required - 2 months PITIA reserves required - 4.65 months reserves provided. On time mortgage history exceeds guideline requirement - Borrower 1 primary residence 0x30 32 months. |
4.65 moths reserves and borrower 1 primary residence 0x30 32 months. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861877 | xxxxxx | B | B | A | A | B | B | B | B | Closed | xxxxxx | 2026-03-24 08:05 | 2026-03-24 08:05 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/24/2026 | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/24/2026 |
Months Reserves exceed minimum required - 2 months PITIA reserves required - 4.65 months reserves provided. On time mortgage history exceeds guideline requirement - Borrower 1 primary residence 0x30 32 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861878 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 861879 | xxxxxx | B | B | A | A | A | A | B | B | Closed | xxxxxx | 2026-03-24 10:54 | 2026-03-30 10:02 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/30/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Emergency Declaration declared on xxxxxx - Due Diligence Vendor-03/24/2026 |
Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-03/30/2026 |
Months Reserves exceed minimum required - 0 months reserves required per DU - 475.35 months reserves provided. Verified employment history exceeds guidelines - 11 years at current employment. |
11 years at current employment, 475.35 months reserves. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861880 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-30 13:28 | 2026-04-23 14:16 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/23/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx § Valreview Appraisal Review Value from Valligent xxxxxx - Due Diligence Vendor-04/09/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-03/30/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - monthly residual income of $21,735.96 which is =/> 1.5 TIMES $3,500 MONTHLY RESIDUAL INCOME Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO - have 780 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861880 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 18:40 | 2026-04-14 10:16 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx xxxxxx § xxxxxx Appraisal Review Value from xxxxxx - Due Diligence Vendor-04/09/2026 Open-Tape shows an AVM was obtained; however, CU in file is >2.5. A BPO is required to support the original value. - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - monthly residual income of $21,735.96 which is =/> 1.5 TIMES $3,500 MONTHLY RESIDUAL INCOME Qualifying FICO score is at least 20 points above minimum for program - 700 min FICO - have 780 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861881 | xxxxxx | D | D | A | A | B | B | D | D | Closed | xxxxxx | 2026-05-14 15:07 | 2026-05-15 12:31 | Waived | 3 - Material | D | D | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Waived-BPO at origination does not support the value within 10% tolerance. Current BPO supports the value however not captured as secondary product due to being same product as obtained at origination. Finding to remain material grade 3/C since the value was not supported at the time of origination. - Due Diligence Vendor-05/15/2026 Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-17.81'. - Due Diligence Vendor-05/14/2026 |
Waived-BPO at origination does not support the value within 10% tolerance. Current BPO supports the value however not captured as secondary product due to being same product as obtained at origination. Finding to remain material grade 3/C since the value was not supported at the time of origination. - Due Diligence Vendor-05/15/2026 |
On time mortgage history exceeds guideline requirement - On time mortgage history 0x30x12 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines 2 years + for both borrowers |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx | ||
| 861881 | xxxxxx | D | D | A | A | B | B | D | D | Closed | xxxxxx | 2026-03-24 10:55 | 2026-05-15 12:29 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO at origination, and current BPO. Original BPO does not support the value. - Due Diligence Vendor-05/15/2026 Counter-Received BPO that does not support value within 10%. Additional valuation product is required. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. A BPO product is required. - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO at origination, and current BPO. Original BPO does not support the value. - Due Diligence Vendor-05/15/2026 |
On time mortgage history exceeds guideline requirement - On time mortgage history 0x30x12 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines 2 years + for both borrowers |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861881 | xxxxxx | D | D | A | A | B | B | D | D | Closed | xxxxxx | 2026-04-02 12:40 | 2026-04-22 12:04 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/22/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx, and xxxxxx xxxxxx - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/22/2026 |
On time mortgage history exceeds guideline requirement - On time mortgage history 0x30x12 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines 2 years + for both borrowers |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861881 | xxxxxx | D | D | A | A | B | B | D | D | Closed | xxxxxx | 2026-03-24 08:47 | 2026-03-24 08:47 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied ot non-material finding. - Due Diligence Vendor-03/24/2026 | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied ot non-material finding. - Due Diligence Vendor-03/24/2026 |
On time mortgage history exceeds guideline requirement - On time mortgage history 0x30x12 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines 2 years + for both borrowers |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Investor Post-Close | No | xxxxxx | ||
| 861882 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-03-24 10:34 | 2026-04-01 08:59 | Resolved | 1 - Information | B | A | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). - Due Diligence Vendor-03/24/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/01/2026 |
Months Reserves exceed minimum required - 13.32 mths reserves; 0 mths required. Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $10,389.85; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861882 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-03-24 07:32 | 2026-03-24 07:32 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/24/2026 | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/24/2026 |
Months Reserves exceed minimum required - 13.32 mths reserves; 0 mths required. Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $10,389.85; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861883 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 09:14 | 2026-04-17 11:20 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received confirmation of source of xxxxxx paydown. - Due Diligence Vendor-04/17/2026 Counter-Per the original condition, Missing documentation of the source funds used to pay down xxxxxx revolving account ending 3192 - Due Diligence Vendor-04/16/2026 Counter-Received Client response: I agree the sourcing was missing Gift was 135K cash to close was 126,367.67 even deducting the full 9135.00 borrower still had the funds to close : Audit-Gift funds can not be used as reserves. If xxxxxx was used, funds would be insufficient for reserves. Source of funds to be documented. Finding remains. - Due Diligence Vendor-04/09/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Missing documentation of the source funds used to pay down xxxxxx revolving account ending 3192. The account was paid down $9,135 from 01/04 report to the 01/09 report (no change in score). A $3,500 payment noted on 12/11 statement from account ending #8425 leaving $5,635 undocumented that was deducted from assets by Audit. The $3,500 was noted not to be a part of gift funds. - Due Diligence Vendor-03/24/2026 |
Resolved-Received confirmation of source of xxxxxx paydown. - Due Diligence Vendor-04/17/2026 |
Credit history exceeds minimum required - Credit History = 310 Months Minimum Credit History = 12 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,698.34; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861883 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 04:03 | 2026-04-09 09:37 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003. - Due Diligence Vendor-04/09/2026 Open-1003 is missing a 2-year primary residence history for B2. Only a 1.92 history was provided. - Due Diligence Vendor-03/24/2026 |
Resolved-Received updated 1003. - Due Diligence Vendor-04/09/2026 |
Credit history exceeds minimum required - Credit History = 310 Months Minimum Credit History = 12 Months Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,698.34; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861884 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-26 07:59 | 2026-04-10 16:57 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU in file -or LCA in file_ is >2.5. A BPO is required to support the original value - Due Diligence Vendor-03/26/2026 |
Resolved-Received secondary valuation. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - 21.04 mths reserves; 0 mths required. Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+12.1k) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861888 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 20:11 | 2026-04-20 15:45 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. PDI not found in file - Due Diligence Vendor-03/26/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Verified employment history exceeds guidelines - 4 years employment stability Months Reserves exceed minimum required - 7 months reserves exceeds 0 months per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861888 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-04-01 15:12 | 2026-04-10 17:05 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Received 2 mons rent receipt and deposit for departure residence. - Due Diligence Vendor-04/10/2026 Open-Lender to provide evidence of two months receipt of the departure rental income or equivalent per guides. - Due Diligence Vendor-04/01/2026 |
Resolved-Received 2 mons rent receipt and deposit for departure residence. - Due Diligence Vendor-04/10/2026 |
Verified employment history exceeds guidelines - 4 years employment stability Months Reserves exceed minimum required - 7 months reserves exceeds 0 months per guides |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861889 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 15:39 | 2026-05-13 13:18 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-The request for an exception for HOA verification is granted. Non-Material, review was able to confirm via google search and compensating factors. - Due Diligence Vendor-05/13/2026 Open-HOA dues missing for REO property (missing evidence they are paid by a third party) - Due Diligence Vendor-03/31/2026 |
Waived-The request for an exception for HOA verification is granted. Non-Material, review was able to confirm via google search and compensating factors. - Due Diligence Vendor-05/13/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $9764 exceeds $5250 Verified employment history exceeds guidelines - Borrower self employed 8 years, exceeds 2 minimum per guides. Months Reserves exceed minimum required - 7.38 mos reserves; 0 required by LP |
Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Reserves exceed requirement by 6 months or more / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861889 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 10:53 | 2026-04-29 11:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received updated Master Policy with an expiration date of xxxxxx - Due Diligence Vendor-04/16/2026 Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Renewal or current policy not found in file - Due Diligence Vendor-03/24/2026 |
Resolved-Received updated Master Policy with an expiration date of xxxxxx - Due Diligence Vendor-04/16/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $9764 exceeds $5250 Verified employment history exceeds guidelines - Borrower self employed 8 years, exceeds 2 minimum per guides. Months Reserves exceed minimum required - 7.38 mos reserves; 0 required by LP |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861889 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 10:53 | 2026-04-29 11:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-xxxxxx Streamline review completed for xxxxxx project. Complex is under xxxxxx units. Fidelity coverage not required for limited project reviews. - Due Diligence Vendor-04/29/2026 Open-Fidelity Coverage not met. Fidelity Coverage not met (not found on master insurance) - Due Diligence Vendor-03/24/2026 |
Resolved-xxxxxx Streamline review completed for xxxxxx project. Complex is under xxxxxx units. Fidelity coverage not required for limited project reviews. - Due Diligence Vendor-04/29/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $9764 exceeds $5250 Verified employment history exceeds guidelines - Borrower self employed 8 years, exceeds 2 minimum per guides. Months Reserves exceed minimum required - 7.38 mos reserves; 0 required by LP |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861889 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-03-23 13:05 | 2026-04-23 11:46 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-SOL has expired. xxxxxx - Due Diligence Vendor-04/23/2026 Counter-COC was not attached to upload of conditions. - Due Diligence Vendor-04/15/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($364.00) exceed the comparable charges ($214.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Title Update Fee) increased by $150 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $128.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/23/2026 |
Resolved-SOL has expired. xxxxxx - Due Diligence Vendor-04/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $9764 exceeds $5250 Verified employment history exceeds guidelines - Borrower self employed 8 years, exceeds 2 minimum per guides. Months Reserves exceed minimum required - 7.38 mos reserves; 0 required by LP |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861889 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 16:05 | 2026-04-20 15:55 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. PDI required: 1. INDIVIDUAL xxxxxx Major Disaster Declaration declared on xxxxxx 2. INDIVIDUAL xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/24/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $9764 exceeds $5250 Verified employment history exceeds guidelines - Borrower self employed 8 years, exceeds 2 minimum per guides. Months Reserves exceed minimum required - 7.38 mos reserves; 0 required by LP |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861889 | xxxxxx | D | B | D | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 15:57 | 2026-04-16 09:53 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO, although the value is slightly less it is within the GL. Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present - Due Diligence Vendor-04/16/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA score >2.5. BPO is required - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO, although the value is slightly less it is within the GL. Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present - Due Diligence Vendor-04/16/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $9764 exceeds $5250 Verified employment history exceeds guidelines - Borrower self employed 8 years, exceeds 2 minimum per guides. Months Reserves exceed minimum required - 7.38 mos reserves; 0 required by LP |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861890 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 10:12 | 2026-04-14 10:27 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/14/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx § Valreview Appraisal Review Value from xxxxxx - Due Diligence Vendor-04/09/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA score is >2.5(3.5). A BPO is required to support the original value - Due Diligence Vendor-03/30/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/14/2026 |
Verified employment history exceeds guidelines - Borrower 1 has been with currentl employer for more than 5 years. Months Reserves exceed minimum required - 4.893 months verified reserves, LP requires no reserves. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861891 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-24 10:44 | 2026-04-14 10:23 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx § Valreview Appraisal Review Value from xxxxxx - Due Diligence Vendor-04/09/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file is >2.5. A BPO is required to support the original value - Due Diligence Vendor-03/24/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - Reserves not required/ Borrower reserves 13.61 months. Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income over $9K |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861891 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-23 11:00 | 2026-03-23 11:00 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - Reserves not required/ Borrower reserves 13.61 months. Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income over $9K |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861892 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-02 11:24 | 2026-04-20 15:59 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-FEMA Disaster- xxxxxx- Individual assistance only. Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Qualifying DTI below maximum allowed - DTI max allowed 45% Verified 24.99% Months Reserves exceed minimum required - 23.59 months verified reserves, none required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861892 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 11:44 | 2026-04-10 17:09 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCU in file returned without score and not eligible for collateral representation, therefore a BPO is required to support the appraised value of xxxxxx - Due Diligence Vendor-03/30/2026 |
Resolved-Received secondary valuation. - Due Diligence Vendor-04/10/2026 |
Qualifying DTI below maximum allowed - DTI max allowed 45% Verified 24.99% Months Reserves exceed minimum required - 23.59 months verified reserves, none required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861895 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-02 12:55 | 2026-04-20 16:01 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Verified employment history exceeds guidelines - LP findings call for 1 year of tax returns and W2s and 2 full years of income docs provided to support earnings. Months Reserves exceed minimum required - |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861895 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 10:52 | 2026-04-01 14:59 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-Value was based on a PIW and is missing the required secondary valuation. Value was based on a PIW and is missing a BPO. BPO required to support PIW value. - Due Diligence Vendor-03/24/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Verified employment history exceeds guidelines - LP findings call for 1 year of tax returns and W2s and 2 full years of income docs provided to support earnings. Months Reserves exceed minimum required - |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861896 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-24 12:47 | 2026-04-22 11:25 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/22/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. PDI required: 1. INDIVIDUAL xxxxxx Major Disaster Declaration declared on xxxxxx 2. INDIVIDUAL xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/31/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/22/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines - borrower has been employed 4 years which exceeds guides of 2 years history. Months Reserves exceed minimum required - 5.93 mos reserves; 0 mos required by LP Credit history exceeds minimum required - Credit history 59 months revolving credit history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861896 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-31 16:44 | 2026-04-22 11:24 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/22/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing credit report that LP was run on - Due Diligence Vendor-03/31/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/22/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines - borrower has been employed 4 years which exceeds guides of 2 years history. Months Reserves exceed minimum required - 5.93 mos reserves; 0 mos required by LP Credit history exceeds minimum required - Credit history 59 months revolving credit history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861896 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-31 16:41 | 2026-04-22 11:21 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received credit report associated with final LPA. - Due Diligence Vendor-04/22/2026 Open-Borrower 1 Credit Report is Partially Present. Credit report provided does not match the credit report run on LP. Differing credit ID #'s. Missing credit report that LP was run with. Additional findings may apply - Due Diligence Vendor-03/31/2026 |
Resolved-Received credit report associated with final LPA. - Due Diligence Vendor-04/22/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines - borrower has been employed 4 years which exceeds guides of 2 years history. Months Reserves exceed minimum required - 5.93 mos reserves; 0 mos required by LP Credit history exceeds minimum required - Credit history 59 months revolving credit history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861896 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 11:16 | 2026-04-22 07:35 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,530.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $2530 (Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2530, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/23/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines - borrower has been employed 4 years which exceeds guides of 2 years history. Months Reserves exceed minimum required - 5.93 mos reserves; 0 mos required by LP Credit history exceeds minimum required - Credit history 59 months revolving credit history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861896 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-24 11:24 | 2026-04-14 10:30 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Upon further review, Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx § Valreview Appraisal Review Value from xxxxxx - Due Diligence Vendor-04/09/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA did not provide a score. BPO is required - Due Diligence Vendor-03/31/2026 |
Resolved-Upon further review, Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines - borrower has been employed 4 years which exceeds guides of 2 years history. Months Reserves exceed minimum required - 5.93 mos reserves; 0 mos required by LP Credit history exceeds minimum required - Credit history 59 months revolving credit history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861897 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 861898 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 861899 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2026-03-24 09:24 | 2026-04-30 08:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Collateral Protection Notice is Present or Not Applicable Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-04/30/2026 Open-Collateral Protection Notice is Missing Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-03/24/2026 |
Resolved-Collateral Protection Notice is Present or Not Applicable Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-04/30/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $11,361.52; minimum required NONE Credit history exceeds minimum required - Credit History = 126 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861899 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2026-03-31 14:56 | 2026-04-29 14:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Flood cert provided dated xxxxxx. - Due Diligence Vendor-04/29/2026 Open-Flood Certification Date is greater than xxxxxx Loan closed/disbursed xxxxxx - Due Diligence Vendor-03/31/2026 |
Resolved-Flood cert provided dated xxxxxx. - Due Diligence Vendor-04/29/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $11,361.52; minimum required NONE Credit history exceeds minimum required - Credit History = 126 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861899 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2026-04-02 11:14 | 2026-04-22 11:30 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/22/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. No damage. - Due Diligence Vendor-04/22/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $11,361.52; minimum required NONE Credit history exceeds minimum required - Credit History = 126 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861899 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2026-03-24 12:17 | 2026-04-15 08:43 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/15/2026 Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. PCCD is dated the same day as the Final Cd at closing. Please provide corrected PCCD. - Due Diligence Vendor-03/24/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/15/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $11,361.52; minimum required NONE Credit history exceeds minimum required - Credit History = 126 Months Minimum Credit History = 12 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861900 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-24 12:11 | 2026-05-06 15:10 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO and address verification. - Due Diligence Vendor-05/06/2026 Counter-Received BPO. Subject is a xxxxxx and neither the invoice not report reflect Unit xxxxxx. Please confirm BPO on subject. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file do not have score and BPO product is required to support original value. - Due Diligence Vendor-03/30/2026 |
Resolved-Received BPO and address verification. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min Score required 700 Verified 796 Months Reserves exceed minimum required - 101 months PITIA reserves; 0 months reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861900 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-24 09:11 | 2026-03-24 09:11 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/24/2026 | Waived-Required Affiliated Business Disclosure Missing Investor waiver applied to non-material finding. - Due Diligence Vendor-03/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Min Score required 700 Verified 796 Months Reserves exceed minimum required - 101 months PITIA reserves; 0 months reserves required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861901 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-03-23 12:07 | 2026-05-11 13:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Received Collateral Protection Notice. Finding Resolved/ - Due Diligence Vendor-04/09/2026 Open-Collateral Protection Notice is Missing Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-03/23/2026 |
Resolved-Received Collateral Protection Notice. Finding Resolved/ - Due Diligence Vendor-04/09/2026 |
Months Reserves exceed minimum required - 18 Months Reserves exceed 6 months minimum required Verified employment history exceeds guidelines - Verified employment history exceeds guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861901 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-03-23 11:50 | 2026-05-06 11:39 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | The Final 1003 is Missing | Waived-Client waiver applied to non-material finding. - Due Diligence Vendor-05/06/2026 Counter-Need copy of 1003 signed as closing xxxxxx. - Due Diligence Vendor-04/09/2026 Open-The Final 1003 is Missing Missing final 1003's for both borrowers - Due Diligence Vendor-03/23/2026 |
Waived-Client waiver applied to non-material finding. - Due Diligence Vendor-05/06/2026 |
Months Reserves exceed minimum required - 18 Months Reserves exceed 6 months minimum required Verified employment history exceeds guidelines - Verified employment history exceeds guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861901 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-03-31 16:24 | 2026-04-20 16:10 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-The subject is located in a FEMA disaster for xxxxxx with an incident date of xxxxxx and a declaration date of xxxxxx. A post disaster inspection is required. - Due Diligence Vendor-03/31/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 18 Months Reserves exceed 6 months minimum required Verified employment history exceeds guidelines - Verified employment history exceeds guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861901 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-03-24 12:11 | 2026-04-14 10:05 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Upon further review, BPO provided, Value supported. - Due Diligence Vendor-04/14/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx § Valreview Appraisal Review Value from xxxxxx - Due Diligence Vendor-04/09/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The CU in file has no score. A BPO is required to support the original value - Due Diligence Vendor-03/24/2026 |
Resolved-Upon further review, BPO provided, Value supported. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - 18 Months Reserves exceed 6 months minimum required Verified employment history exceeds guidelines - Verified employment history exceeds guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-03-24 17:32 | 2026-08-24 15:06 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable. Waiver granted for DTI exceeding AUS findings and housing history meets guideline requirements. - Due Diligence Vendor-04/30/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds 50% -- it appears originator was washing out rental payment with income calc. No calc sheet for rental was identified. Additionally B3's income was miscalculated as bi weekly rather than bi monthly. - Due Diligence Vendor-03/24/2026 |
Resolved-The Final Reviewed QM Status is acceptable. Waiver granted for DTI exceeding AUS findings and housing history meets guideline requirements. - Due Diligence Vendor-04/30/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-04-30 15:05 | 2026-04-30 15:08 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing income documentation | Waived-Client exception granted to allow the use of rental income for xxxxxx using fully executed lease agreements and only 1 mos receipt of rental payments. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/30/2026 Open-Documentation verifying receipt of 2 months of rental payments for xxxxxx required (REO was purchased mid xxxxxx so unable to calc rental income using Sch E as property was in use for only a small portion of the xxxxxx calendar year- using 75% of rents from lease agreements less PITIA). Currently a fully executed lease agreement is in file for each unit along with verification of only 1 mos receipt of rent. - Due Diligence Vendor-04/30/2026 |
Waived-Client exception granted to allow the use of rental income for xxxxxx using fully executed lease agreements and only 1 mos receipt of rental payments. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/30/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
Brws 2 and 3 have over 20 years on job. Brws 2 and 3 have owned their primary residence for over 20 years. 0 mos reserves required and 3 mos verified. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-03-24 17:46 | 2026-04-30 14:57 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-Client exception granted to allow DTI of 50% which exceeds AUS Findings of 49%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/30/2026 Open-Audited DTI of 50.46% exceeds AUS DTI of 49% - Due Diligence Vendor-04/30/2026 Open-Audited DTI of 63.89% exceeds AUS DTI of 49% 1008 36.25/49.03 audit is 37.88/63.97 - B3 base income was miscalculated as bi-weekly instead of bi-monthly. Additionally, it appears the originator was washing out the rental property payment with tax income however, when the income was attempted to be recalculated the monthly cost was higher than the original payment. There is a letter of explanation page stating the property was only rented from September 1, 2022 and the taxes show 12 months. page 1428- no rental calculation was found in the file. Tax returns page 359 A k1 showing a loss of xxxxxx with B2 as the 50% owner was identified on page 361 but no additional K-1 was found identifying the other partner(s) -- The name of the partnership is B2 and B3 LLC. - Due Diligence Vendor-03/24/2026 |
Waived-Client exception granted to allow DTI of 50% which exceeds AUS Findings of 49%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/30/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
Brws 2 and 3 have over 20 years on job. Brws 2 and 3 have owned their primary residence for over 20 years. 0 mos reserves required and 3 mos verified. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-03-24 16:17 | 2026-04-30 14:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-App Date is xxxxxx. Credit Report and Mtg Stmt reflect xxxxxx secured to xxxxxx is paid current for the most recent 12 mos of app date thru xxxxxx as required by xxxxxx xxxxxx. No requirement that the xxxxxx payment must be documented. - Due Diligence Vendor-04/30/2026 Counter-Received mortgage statement for xxxxxx which shows due for xxxxxx. Document provided does not clear the finding below - Due Diligence Vendor-04/16/2026 Open-Housing History Does Not Meet Guideline Requirements Please provide evidence that the xxxxxx mortgage payment was made on REO xxxxxx. Credit report and mortgage statement provided both reflect the xxxxxx payment due. - Due Diligence Vendor-03/24/2026 |
Resolved-App Date is xxxxxx. Credit Report and Mtg Stmt reflect xxxxxx secured to xxxxxx is paid current for the most recent 12 mos of app date thru xxxxxx as required by xxxxxx xxxxxx. No requirement that the Oct 2023 payment must be documented. - Due Diligence Vendor-04/30/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-03-24 16:26 | 2026-04-30 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received SSA and MERS documentation. - Due Diligence Vendor-04/30/2026 Counter-Received Fraud report for all borrowers. Per report borrower 1 has a hit for SS#, please validate. Borrowers 2&3 have a hit for MERS, please validate - Due Diligence Vendor-04/16/2026 Open-Third Party Fraud Report Partially Provided The fraud report was only run on Borrower 1 - Not Borrower 2 or Borrower 3. Please provide updated fraud report to include borrower's 2 & 3. - Due Diligence Vendor-03/24/2026 |
Resolved-Received SSA and MERS documentation. - Due Diligence Vendor-04/30/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-03-24 17:49 | 2026-04-30 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA clarification. - Due Diligence Vendor-04/30/2026 Counter-Missing mortgage statement for xxxxxx. We can identify it on the credit report however need to validate if the payment includes PITI and LOX for HOA dues signed by borrower for this property and xxxxxx - Due Diligence Vendor-04/16/2026 Open-Please provide confirmation of PITIA. - Due Diligence Vendor-03/24/2026 |
Resolved-Received PITIA clarification. - Due Diligence Vendor-04/30/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-03-24 13:48 | 2026-04-14 10:01 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Upon further review, BPO received. Value Supported. - Due Diligence Vendor-04/14/2026 Counter-Received BPO from xxxxxx. Per Guideline An enhanced desk review product can only be from one of the following: § ARR from xxxxxx § CDA from xxxxxx § ARA from xxxxxx § CCA from xxxxxx § VRR from xxxxxx § Valreview Appraisal Review Value from xxxxxx - Due Diligence Vendor-04/09/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Please provide BPO. - Due Diligence Vendor-03/24/2026 |
Resolved-Upon further review, BPO received. Value Supported. - Due Diligence Vendor-04/14/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861902 | xxxxxx | D | B | D | B | A | A | C | B | Closed | xxxxxx | 2026-03-24 16:47 | 2026-04-02 09:27 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-04/02/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA-xxxxxx impacted xxxxxx. - Due Diligence Vendor-03/24/2026 |
Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-04/02/2026 |
Long term residence - Over 20 years at primary residence. Verified employment history exceeds guidelines - Almost 30 yeasrs on job |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861903 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-03-24 14:48 | 2026-04-16 10:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Purchase Contract. - Due Diligence Vendor-04/10/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase Contract, page 1 is missing seller name. - Due Diligence Vendor-03/24/2026 |
Resolved-Received Purchase Contract. - Due Diligence Vendor-04/10/2026 |
Long term residence - Long term residence, borrower's have been in current primary 4.11 yrs. On time mortgage history exceeds guideline requirement - 0x30 on time mortgage payment history for 29 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861903 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-03-24 14:48 | 2026-04-16 10:05 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/16/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. xxxxxx CU score was not provided. A BPO is required to support the original value. - Due Diligence Vendor-03/31/2026 |
Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/16/2026 |
Long term residence - Long term residence, borrower's have been in current primary 4.11 yrs. On time mortgage history exceeds guideline requirement - 0x30 on time mortgage payment history for 29 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861903 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-03-23 12:10 | 2026-03-23 12:10 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Long term residence - Long term residence, borrower's have been in current primary 4.11 yrs. On time mortgage history exceeds guideline requirement - 0x30 on time mortgage payment history for 29 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861904 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-25 09:44 | 2026-04-20 16:14 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx Incident Period: xxxxxx. Major Disaster Declaration declared on xxxxxx Incident Period: xxxxxx. Major Disaster Declaration declared on xxxxxx. Individual Assistance. Post Disaster Inspection Required. - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
On time mortgage history exceeds guideline requirement - 0x30 since 07/2020 Verified employment history exceeds guidelines - Borrower at current employment for 8 years and 8 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861904 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-25 08:26 | 2026-04-14 10:55 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file has no score. BPO product is required. - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/14/2026 |
On time mortgage history exceeds guideline requirement - 0x30 since 07/2020 Verified employment history exceeds guidelines - Borrower at current employment for 8 years and 8 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861904 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-25 09:13 | 2026-04-09 08:52 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Cashier check IAO $9876.33, $4000 to Title and Client Statement- Borrower did not yield the 12k as underwritten based on the master statement from her sale. She secured 9876.33 which was directed to xxxxxx for the closing same day of this purchase property. Final CD shows xxxxxx was required to close. Proceeds from xxxxxx of 9876.33 copy of check attached and borrower brought 4k in addition from xxxxxx account. Checks and Master Statement from sale showing the 9876.33 directed to xxxxxx from xxxxxx. Support attached for cash to close - Due Diligence Vendor-04/09/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Per final 1003, proceeds from sale in the amount of $12,000 to be available, however documentation verifying amount not provided. - Due Diligence Vendor-03/25/2026 |
Resolved-Received Cashier check IAO $9876.33, $4000 to Title and Client Statement- Borrower did not yield the 12k as underwritten based on the master statement from her sale. She secured 9876.33 which was directed to xxxxxx for the closing same day of this purchase property. Final CD shows xxxxxx was required to close. Proceeds from xxxxxx of 9876.33 copy of check attached and borrower brought 4k in addition from xxxxxx account. Checks and Master Statement from sale showing the 9876.33 directed to xxxxxx from xxxxxx. Support attached for cash to close - Due Diligence Vendor-04/09/2026 |
On time mortgage history exceeds guideline requirement - 0x30 since 07/2020 Verified employment history exceeds guidelines - Borrower at current employment for 8 years and 8 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861904 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 12:06 | 2026-04-08 11:27 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-Missing e-Consent. - Due Diligence Vendor-03/23/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
On time mortgage history exceeds guideline requirement - 0x30 since 07/2020 Verified employment history exceeds guidelines - Borrower at current employment for 8 years and 8 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861906 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-30 09:01 | 2026-05-12 13:44 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received waiver for income documentation. - Due Diligence Vendor-05/12/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. B1 WVOE does not show prior year earnings as required by LP findings and no W2 was provided. - Due Diligence Vendor-03/30/2026 |
Resolved-Received waiver for income documentation. - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+12k) Months Reserves exceed minimum required - 148 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861906 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-30 08:59 | 2026-05-12 13:43 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-The request for an exception missing b1 W-2 is granted. - Due Diligence Vendor-05/12/2026 Open-Income and Employment Do Not Meet Guidelines B1 WVOE does not show prior year earnings as required by LP findings and no W2 was provided. - Due Diligence Vendor-03/30/2026 |
Waived-The request for an exception missing b1 W-2 is granted. - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+12k) Months Reserves exceed minimum required - 148 mths reserves; 0 mths required. |
Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861906 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 16:20 | 2026-04-20 16:16 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA events-xxxxxx Individual, xxxxxx. xxxxxx. No evidence of a post disaster inspection on file. - Due Diligence Vendor-03/24/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+12k) Months Reserves exceed minimum required - 148 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861906 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-24 15:38 | 2026-04-01 15:07 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-Value was based on a PIW and is missing the required secondary valuation. BPO Needed - Due Diligence Vendor-03/24/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+12k) Months Reserves exceed minimum required - 148 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861906 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-23 12:44 | 2026-03-31 09:49 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-03/31/2026 Open-Missing e-Consent. Missing proof borrower consented to electronic documents. - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-03/31/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+12k) Months Reserves exceed minimum required - 148 mths reserves; 0 mths required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861907 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-30 09:43 | 2026-04-20 16:44 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/30/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
On time mortgage history exceeds guideline requirement - 10+ years on time Long term residence - Borrower has been residing at the subject for 13+ yrs. This is greater than 2 years residence history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861907 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-30 09:40 | 2026-04-10 17:16 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO - Due Diligence Vendor-04/10/2026 Open-Value was based on a PIW and is missing the required secondary valuation. Missing the BPO - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO - Due Diligence Vendor-04/10/2026 |
On time mortgage history exceeds guideline requirement - 10+ years on time Long term residence - Borrower has been residing at the subject for 13+ yrs. This is greater than 2 years residence history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx | ||
| 861908 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 15:21 | 2026-04-23 13:31 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy. - Due Diligence Vendor-04/23/2026 Counter-Received Binder "Temporary Insurance Contract". Please provide actual policy for confirmation of final HOI terms and policy number. - Due Diligence Vendor-04/09/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Please provide the correct HOI policy with an effective date of xxxxxx or prior, - Due Diligence Vendor-03/24/2026 |
Resolved-Received prior policy. - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - DTI 16.29% is lower than allowable 45% Months Reserves exceed minimum required - Months reserves 43.13 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861909 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 15:55 | 2026-04-10 16:22 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. BPO is required - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/10/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $3,114.80; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861909 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-02 12:04 | 2026-04-02 12:06 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-04/02/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. - Due Diligence Vendor-04/02/2026 |
Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-04/02/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $3,114.80; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861909 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-02 12:04 | 2026-04-02 12:06 | Resolved | 1 - Information | B | A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-04/02/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. - Due Diligence Vendor-04/02/2026 |
Resolved-Upon further review no additional documentation required. - Due Diligence Vendor-04/02/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $3,114.80; minimum required NONE |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861910 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 16:16 | 2026-04-10 16:28 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file >2.5. A BPO required to support the original value. - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/10/2026 |
Verified employment history exceeds guidelines - B2 at employer 10 years 2 months - required 2 years Residual Income =/> 1.5 times $3,500 monthly residual income - $15,193.49 in monthly residual income is =/> 1.5 times $3,500 monthly residual income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861910 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 17:42 | 2026-04-10 16:28 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Processor Cert. - Due Diligence Vendor-04/10/2026 Open-CBR date xxxxxx p 316 reflects borrower victim of fraud alert no evidence was cleared by calling the indicated number. EXP reflects maintain for 1 year from xxxxxx. - Due Diligence Vendor-04/01/2026 |
Resolved-Received Processor Cert. - Due Diligence Vendor-04/10/2026 |
Verified employment history exceeds guidelines - B2 at employer 10 years 2 months - required 2 years Residual Income =/> 1.5 times $3,500 monthly residual income - $15,193.49 in monthly residual income is =/> 1.5 times $3,500 monthly residual income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-25 16:40 | 2026-05-08 13:54 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Compliance findings resolved. - Due Diligence Vendor-04/29/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing LE(s) and any associated COCs - Due Diligence Vendor-03/25/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. Compliance findings resolved. - Due Diligence Vendor-04/29/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-23 16:14 | 2026-05-08 13:54 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received full appraisal - Due Diligence Vendor-04/30/2026 Counter-Exterior only provided, guidelines require an interior and exterior Appraisal. Finding remains. - Due Diligence Vendor-03/31/2026 Open-Appraisal is Missing Missing the Condo Appraisal and secondary Valuation. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/25/2026 |
Resolved-Received full appraisal - Due Diligence Vendor-04/30/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-23 16:14 | 2026-05-08 13:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Received CPM. - Due Diligence Vendor-05/07/2026 Counter-Received document indicating Streamline review. Unable to determine without appraisal and questionnaire. - Due Diligence Vendor-04/09/2026 Open-The Condo Project Warrantability is Unable to Determine. Missing Condo Appraisal, Secondary Valuation and Condition Questionnaire. Upon receipt additional conditions maybe required. - Due Diligence Vendor-03/23/2026 |
Resolved-Received CPM. - Due Diligence Vendor-05/07/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-31 11:15 | 2026-04-23 11:50 | Resolved | 1 - Information | C | A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-SOL expired after 1 year. xxxxxx. - Due Diligence Vendor-04/23/2026 Open-***NEW****Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-03/31/2026 |
Resolved-SOL expired after 1 year. xxxxxx. - Due Diligence Vendor-04/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-25 10:07 | 2026-04-20 16:46 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-xxxxxx Incident Period: xxxxxx xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-25 15:56 | 2026-04-13 17:01 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Upon further review, the black and white BPO is sufficient. - Due Diligence Vendor-04/13/2026 Counter-Black and White BPO and 2055 provided, please provide the colored review products. - Due Diligence Vendor-03/31/2026 Open-For secondary value BPO is required. (Appraisal missing in file) - Due Diligence Vendor-03/25/2026 |
Resolved-Upon further review, the black and white BPO is sufficient. - Due Diligence Vendor-04/13/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-20 15:40 | 2026-03-31 11:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/31/2026 Open------ Missing LE(s) and any associated COCs - Due Diligence Vendor-03/20/2026 |
Resolved-Received LE xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/31/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-20 15:12 | 2026-03-31 10:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/31/2026 Open-Homeownership Counseling Disclosure Is Missing Missing Homeownership Counseling Disclosure - Due Diligence Vendor-03/20/2026 |
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/31/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-23 16:36 | 2026-03-31 10:30 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-03/31/2026 Open-Borrower 1 Tax Returns Not Signed Missing signed 2022 & 2021 1040's. - Due Diligence Vendor-03/25/2026 |
Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor-03/31/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861911 | xxxxxx | D | B | C | A | D | B | D | A | Closed | xxxxxx | 2026-03-20 15:12 | 2026-03-20 15:12 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/20/2026 |
Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $$9,296.70; minimum required NONE Credit history exceeds minimum required - Credit History = 96 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861912 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-30 13:18 | 2026-04-20 16:47 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Counter-Received Client comment "uploaded". Missing PDI or 1004D to meet requirements of disaster after appraisal. Finding remains. - Due Diligence Vendor-04/09/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx. (Individual). - Due Diligence Vendor-03/30/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. Months Reserves exceed minimum required - Reserves = 4 months – Required Reserves = 0 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861912 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-24 16:55 | 2026-04-09 07:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-04/09/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing . Missing copy of the VVOE dated no more than 10 business days priorate the note date. - Due Diligence Vendor-03/30/2026 |
Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-04/09/2026 |
Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. Months Reserves exceed minimum required - Reserves = 4 months – Required Reserves = 0 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861912 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-24 16:55 | 2026-04-09 07:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 2 3rd Party VOE - Due Diligence Vendor-04/09/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/24/2026 |
Resolved-Received Borrower 2 3rd Party VOE - Due Diligence Vendor-04/09/2026 |
Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. Months Reserves exceed minimum required - Reserves = 4 months – Required Reserves = 0 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861912 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 12:54 | 2026-04-08 11:35 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-Missing e-Consent. -----Provide missing e-Consent - Due Diligence Vendor-03/23/2026 |
Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 99 months. Months Reserves exceed minimum required - Reserves = 4 months – Required Reserves = 0 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861913 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 18:53 | 2026-04-29 14:35 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-HUD and Note provided confirming the loa close the same day as the subject. The AUS findings do not indicate the funds need to be deposited in the borrower's account. - Due Diligence Vendor-04/29/2026 Open-Total Qualified Assets Post-Close amount is '$-76645.77'. Assets are Insufficient. Bridge loan proceeds from REO xxxxxx were used for qualification. Proof of Transfer: Evidence that the loan funds have been transferred to the borrower (e.g., bank statement showing deposit). (required per xxxxxx Guides). - Due Diligence Vendor-03/26/2026 |
Resolved-HUD and Note provided confirming the loa close the same day as the subject. The AUS findings do not indicate the funds need to be deposited in the borrower's account. - Due Diligence Vendor-04/29/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed. DTI is 41.98% Long term residence - At current primary, paid as agreed for over 6 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861913 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-26 07:37 | 2026-04-29 14:28 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/29/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Total Qualified Assets Post-Close amount is '$-76645.77'. Assets are Insufficient. Bridge loan proceeds from REO xxxxxx were used for qualification. Proof of Transfer: Evidence that the loan funds have been transferred to the borrower (e.g., bank statement showing deposit). (required per xxxxxx Guides). - Due Diligence Vendor-03/26/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/29/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed. DTI is 41.98% Long term residence - At current primary, paid as agreed for over 6 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861913 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-24 18:28 | 2026-04-16 09:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearances. - Due Diligence Vendor-04/16/2026 Counter-SAM.gov provided. Please provide OFAC. - Due Diligence Vendor-04/08/2026 Open-OFAC Check Not Completed and/or Cleared Appraiser, appraiser company and NB spouse to be added to interested parties and cleared through OFAC. - Due Diligence Vendor-03/24/2026 |
Resolved-Received OFAC clearances. - Due Diligence Vendor-04/16/2026 |
Qualifying DTI below maximum allowed - Qualifying DTI below maximum allowed. DTI is 41.98% Long term residence - At current primary, paid as agreed for over 6 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861915 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-31 17:21 | 2026-04-20 16:49 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Subject is located in a FEMA disaster area for xxxxxx Incident Period: xxxxxx Declaration Date: xxxxxx; Individual Assistance and xxxxxx Incident Period: xxxxxx Declaration Date: xxxxxx. Missing Post Disaster inspection. - Due Diligence Vendor-03/31/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 req - have 0x30x31 Verified employment history exceeds guidelines - need 24 months employment history - borrower has over 5 years verified |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861916 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-24 13:14 | 2026-04-09 09:56 | Waived | 2 - Non-Material | B | B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/24/2026 Waived-Client waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-04/09/2026 |
Waived-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/24/2026 Waived-Client waiver applied to non-material finding . Deemed non-material due to full appraisal in file with escrow impounds of taxes and insurance - Due Diligence Vendor-04/09/2026 |
On time mortgage history exceeds guideline requirement - The borrowers' mortgage has no delinquencies for 45 months. Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $6,926.64; minimum required NONE |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861916 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-25 14:21 | 2026-04-08 16:40 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/08/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file has no score. A BPO is required to support the original value. - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/08/2026 |
On time mortgage history exceeds guideline requirement - The borrowers' mortgage has no delinquencies for 45 months. Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $6,926.64; minimum required NONE |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861916 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-24 13:14 | 2026-04-08 12:28 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $694.26.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -------Zero (0%) tolerance fees increased by $694.26 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $694.26, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
On time mortgage history exceeds guideline requirement - The borrowers' mortgage has no delinquencies for 45 months. Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $6,926.64; minimum required NONE |
QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861918 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 20:23 | 2026-04-20 16:51 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - Residual Income =/> 1.5 times $3,500 monthly residual income - $3,900 residual income and none required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861918 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 17:39 | 2026-04-10 16:32 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO. Value supported within tolerance. - Due Diligence Vendor-04/10/2026 Open-Value was based on a PIW and is missing the required secondary valuation. Value is based on a PIW and is missing the required secondary valuation. Missing BPO to support PIW value. - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value supported within tolerance. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - Residual Income =/> 1.5 times $3,500 monthly residual income - $3,900 residual income and none required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861919 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-03-24 08:23 | 2026-04-08 16:37 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/08/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing BPO. - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/08/2026 |
On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 42 months. Months Reserves exceed minimum required - Borrower has $54,286.16 months of reserves and none are required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861919 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 14:26 | 2026-04-08 12:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 |
On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 42 months. Months Reserves exceed minimum required - Borrower has $54,286.16 months of reserves and none are required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861919 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 14:26 | 2026-04-08 12:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $150.00 Appraisal Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/08/2026 |
On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30 >than 42 months. Months Reserves exceed minimum required - Borrower has $54,286.16 months of reserves and none are required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861920 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 17:25 | 2026-08-24 16:30 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/14/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file_ is >2.5. A BPO is required to support the original value - Due Diligence Vendor-03/24/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/14/2026 |
Credit history exceeds minimum required - The Borrowers have had 0x30 for more than 24 months. Verified employment history exceeds guidelines - B1 has been employed with the same employer for more than 24 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861920 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 18:29 | 2026-04-20 16:52 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. subject is located in a FEMA disaster are for xxxxxx with an incident date of xxxxxx to xxxxxx with a declaration date of xxxxxx. Appraisal is dated xxxxxx. Post disaster inspection required. Appraisal date xxxxxx. - Due Diligence Vendor-04/03/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - The Borrowers have had 0x30 for more than 24 months. Verified employment history exceeds guidelines - B1 has been employed with the same employer for more than 24 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861920 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-04-01 08:53 | 2026-04-08 16:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received two years of employment history. - Due Diligence Vendor-04/08/2026 Open-Housing History Does Not Meet Guideline Requirements Missing full 2 complete years of housing history for B1. - Due Diligence Vendor-04/01/2026 |
Resolved-Received two years of employment history. - Due Diligence Vendor-04/08/2026 |
Credit history exceeds minimum required - The Borrowers have had 0x30 for more than 24 months. Verified employment history exceeds guidelines - B1 has been employed with the same employer for more than 24 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861921 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-03-25 10:52 | 2026-04-20 16:54 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Long term residence - Long Term Residence = 9+ years Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 11+ Years – Minimum = 2 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861921 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-03-24 10:41 | 2026-04-01 15:16 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. A secondary review is required to support the full appraisal value of xxxxxx. To meet guidelines an additional valuation product must be provided. - Due Diligence Vendor-03/25/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Long term residence - Long Term Residence = 9+ years Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 11+ Years – Minimum = 2 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861921 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-03-20 14:40 | 2026-04-01 09:26 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/01/2026 Open-Missing e-Consent. -----e-Consent is missing from loan file. Please provide. - Due Diligence Vendor-03/20/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-04/01/2026 |
Long term residence - Long Term Residence = 9+ years Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 11+ Years – Minimum = 2 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861926 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 09:20 | 2026-04-20 16:57 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Event-xxxxxx Individual, xxxxxx. No evidence of a post disaster inspection on file. - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 34 mths reserves; 0 mths required. Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+4.1k) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861926 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 08:51 | 2026-04-10 16:36 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/10/2026 Open-Value was based on a PIW and is missing the required secondary valuation. BPO required - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - 34 mths reserves; 0 mths required. Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+4.1k) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861927 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 23:41 | 2026-08-24 16:27 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable. Verification of rent for Brws primary residence not required by LP - Streamlined Accept findings. - Due Diligence Vendor-04/29/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of housing history for the primary residence. - Due Diligence Vendor-03/26/2026 |
Resolved-The Final Reviewed QM Status is acceptable. Verification of rent for Brws primary residence not required by LP - Streamlined Accept findings. - Due Diligence Vendor-04/29/2026 |
Credit history exceeds minimum required - Credit History = 163 Months Minimum Credit History = 24 Months Verified employment history exceeds guidelines - Borrower at employer for 5 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861927 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 09:29 | 2026-08-24 16:26 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-LCA in the file did not return a score. BPO is required to support original appraised value. - Due Diligence Vendor-03/25/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Credit history exceeds minimum required - Credit History = 163 Months Minimum Credit History = 24 Months Verified employment history exceeds guidelines - Borrower at employer for 5 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861927 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 16:15 | 2026-04-29 13:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Ok that final seller CD/HUD is missing as this transaction is the purchase of a primary residence. Final CD required on investment properties only. - Due Diligence Vendor-04/29/2026 Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-03/25/2026 |
Resolved-Ok that final seller CD/HUD is missing as this transaction is the purchase of a primary residence. Final CD required on investment properties only. - Due Diligence Vendor-04/29/2026 |
Credit history exceeds minimum required - Credit History = 163 Months Minimum Credit History = 24 Months Verified employment history exceeds guidelines - Borrower at employer for 5 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861927 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 09:40 | 2026-04-29 12:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Verification of previous rental payment history required for Manually Underwritten Mortgages. This file was streamlined accept- xxxxxx did not REQUIRE a VOR. - Due Diligence Vendor-04/29/2026 Open-Housing History Does Not Meet Guideline Requirements Missing verification of housing history for the primary residence. - Due Diligence Vendor-03/25/2026 |
Resolved-Verification of previous rental payment history required for Manually Underwritten Mortgages. This file was streamlined accept- xxxxxx did not REQUIRE a VOR. - Due Diligence Vendor-04/29/2026 |
Credit history exceeds minimum required - Credit History = 163 Months Minimum Credit History = 24 Months Verified employment history exceeds guidelines - Borrower at employer for 5 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861927 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-04-02 11:12 | 2026-04-20 16:58 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Subject property is locat4d isn a FEMA disaster asreas for xxxxxx with an incident date of xxxxxx to xxxxxx and a declaration date of xxxxxx. Property disaster insopection report required. - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - Credit History = 163 Months Minimum Credit History = 24 Months Verified employment history exceeds guidelines - Borrower at employer for 5 years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861928 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 15:02 | 2026-04-01 15:40 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Upon further review appraiser licensing was located in the file. - Due Diligence Vendor-04/01/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraisal search does not provided prior licensing information. Missing evidence of effective date. - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review appraiser licensing was located in the file. - Due Diligence Vendor-04/01/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,013.17; minimum required NONE Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 32 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861928 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 15:02 | 2026-04-01 15:40 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing AVM with confidence score of 0.12 or a BPO is required. - Due Diligence Vendor-03/25/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,013.17; minimum required NONE Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 32 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861929 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-25 12:42 | 2026-04-14 13:34 | Waived | 2 - Non-Material | A | B | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Waived-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. SOL Expired xxxxxx.Client waived due to expiration date. - Due Diligence Vendor-04/14/2026 | Waived-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. SOL Expired xxxxxx.Client waived due to expiration date. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - Residual Income =/> 1.5 times $3,500 monthly residual income - Over $14K residual income. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861929 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-25 12:42 | 2026-04-14 13:34 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID Post-Consummation Event Validation Test | Waived-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. SOL Expired xxxxxx.Client waived due to expiration date. - Due Diligence Vendor-04/14/2026 | Waived-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. SOL Expired xxxxxx.Client waived due to expiration date. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - Residual Income =/> 1.5 times $3,500 monthly residual income - Over $14K residual income. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861929 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-23 15:18 | 2026-04-14 13:33 | Waived | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Waived-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $605,790.06. The disclosed finance charge of $605,487.06 is not considered accurate because it is understated by more than $100. ----- SOL Expired xxxxxx. This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $605,487.05. The disclosed finance charge of $605,790.06 is not considered accurate because it is understated by more than $100 at $303.00. Provide evidence of refund or principal reduction of $303.00, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date xxxxxx. Client waiver applied due to expiration. - Due Diligence Vendor-04/14/2026 | Waived-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $605,790.06. The disclosed finance charge of $605,487.06 is not considered accurate because it is understated by more than $100. ----- SOL Expired xxxxxx. This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is $605,487.05. The disclosed finance charge of $605,790.06 is not considered accurate because it is understated by more than $100 at $303.00. Provide evidence of refund or principal reduction of $303.00, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date xxxxxx. Client waiver applied due to expiration. - Due Diligence Vendor-04/14/2026 |
Months Reserves exceed minimum required - Residual Income =/> 1.5 times $3,500 monthly residual income - Over $14K residual income. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861929 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-25 14:44 | 2026-04-10 16:39 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/10/2026 Open-Value was based on a PIW and is missing the required secondary valuation. PIW loans must contain a BPO in the file. Missing a BPO to support the PIW value. - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - Residual Income =/> 1.5 times $3,500 monthly residual income - Over $14K residual income. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861929 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-23 14:13 | 2026-03-25 12:30 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '8'). Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - Residual Income =/> 1.5 times $3,500 monthly residual income - Over $14K residual income. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861930 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-24 16:49 | 2026-05-07 17:08 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO. Value supported. - Due Diligence Vendor-05/07/2026 Open-Value was based on a PIW and is missing the required secondary valuation. BPO required - Due Diligence Vendor-03/24/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-05/07/2026 |
Months Reserves exceed minimum required - 6 available none needed Verified employment history exceeds guidelines - 7 years same owned business |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861930 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-23 14:24 | 2026-03-24 06:43 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - 6 available none needed Verified employment history exceeds guidelines - 7 years same owned business |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861930 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-23 14:24 | 2026-03-24 06:43 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - 6 available none needed Verified employment history exceeds guidelines - 7 years same owned business |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861931 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 05:19 | 2026-04-10 16:57 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-xxxxxx Appraisal provided. Value supported. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file is >2.5. A BPO is required to support the original value. - Due Diligence Vendor-04/01/2026 |
Resolved-1075 Drive Appraisal provided. Value supported. - Due Diligence Vendor-04/10/2026 |
Credit history exceeds minimum required - Credit Score Required 620 Verified 798 Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 23+ Years – Minimum = 2 Years |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861932 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 08:12 | 2026-05-07 17:04 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO. Value supported. - Due Diligence Vendor-05/07/2026 Open-Value was based on a PIW and is missing the required secondary valuation. Missing the BPO to supportt he PIW value. - Due Diligence Vendor-03/31/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-05/07/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years Months Reserves exceed minimum required - Verified reserves equal 51 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861932 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-31 13:32 | 2026-04-20 17:00 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Subject property is located in a FEMA disaster are a for xxxxxx with an incident period of xxxxxx to xxxxxx with a declaration daye of xxxxxx. A property disaster insopection is required. - Due Diligence Vendor-03/31/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years Months Reserves exceed minimum required - Verified reserves equal 51 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861932 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 09:13 | 2026-04-16 09:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received OFAC clearance - Due Diligence Vendor-04/16/2026 Counter-Received Sam.gov. Need full fraud report with all participants included checked against all list. - Due Diligence Vendor-04/09/2026 Counter-SAM.gov provided. Please provide OFAC. - Due Diligence Vendor-04/08/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Exclusionary list does not include the title company and the settlement agent - Due Diligence Vendor-03/25/2026 |
Resolved-Received OFAC clearance - Due Diligence Vendor-04/16/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years Months Reserves exceed minimum required - Verified reserves equal 51 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861933 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 09:58 | 2026-04-10 17:19 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. . Missing copy of the BPO to support appraised value. - Due Diligence Vendor-03/31/2026 |
Resolved-Received secondary valuation. - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - Reserves = 78 months – Required Reserves = 0 Months On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement by 0x30>than 99 months. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861934 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-31 22:14 | 2026-04-20 17:01 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA disaster after appraisal without a PDI or 1004D. FEMA Post-closing Disaster: xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-04/01/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Credit history exceeds minimum required - Credit History = 136 Months Minimum Credit History = 24 Months Months Reserves exceed minimum required - Reserves Required $0 Reserves Verified 12 months. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861935 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-20 16:35 | 2026-04-01 09:32 | Resolved | 1 - Information | C | A | Compliance | Closing | Loan Origination Company NMLS Status is Not Active | Resolved-Active at time of Closing. - Due Diligence Vendor-04/01/2026 Open-Loan Origination Company NMLS Status is Not Active PLEASE SEND NMLS DOCUMENTATION - Due Diligence Vendor-03/20/2026 |
Resolved-Active at time of Closing. - Due Diligence Vendor-04/01/2026 |
On time mortgage history exceeds guideline requirement - On Time Mortgage History = 33 Months Required = 12 months Months Reserves exceed minimum required - 0 months required - have 61.99 months reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861936 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-25 17:01 | 2026-04-10 07:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Certificate of Completion. - Due Diligence Vendor-04/10/2026 Open-The file is a HomeReady - missing the actual Homebuyers Certificate of Completion of the homebuyers Course. - Due Diligence Vendor-03/25/2026 |
Resolved-Received Certificate of Completion. - Due Diligence Vendor-04/10/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Actual 3,502.75 Months Reserves exceed minimum required - MIn 0, actual 7.38 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861937 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-31 08:19 | 2026-04-20 17:03 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Subject property is located in a FEMA disaster are for xxxxxx with an incident period from xxxxxx to xxxxxx and a declaration date of xxxxxx. Appraisal is dated xxxxxx. Property disaster inspection required. - Due Diligence Vendor-03/31/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - Verified employment history exceeds guidelines - Borrower 1 has been with current employer for 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861937 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-30 17:13 | 2026-04-08 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Award Letter Missing | Resolved-Upon further review, SSI documentation is sufficient. - Due Diligence Vendor-04/08/2026 Open-Borrower 3 Award Letter Missing The SSI award letter for xxxxxx is in xxxxxx, missing the transalation to xxxxxx to support the monthly ssocial security income used to qualify. - Due Diligence Vendor-03/31/2026 |
Resolved-Upon further review, SSI documentation is sufficient. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - Verified employment history exceeds guidelines - Borrower 1 has been with current employer for 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861937 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 16:14 | 2026-04-08 15:45 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004D. - Due Diligence Vendor-04/08/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Appraisal was made subject to repairs for xxxxxx. Completion cert not provided. - Due Diligence Vendor-03/25/2026 |
Resolved-Received 1004D. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - Verified employment history exceeds guidelines - Borrower 1 has been with current employer for 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861937 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 16:14 | 2026-04-08 15:45 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU score provided did not return a score. Missing the required BPO. - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - Verified employment history exceeds guidelines - Borrower 1 has been with current employer for 5+ years. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861938 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 861940 | xxxxxx | C | C | A | A | C | C | C | A | Closed | xxxxxx | 2026-03-20 16:58 | 2026-05-15 08:10 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That Cannot Increase Test | Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $600.44.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $600.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $600.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Remaining $0.44 due to rounding. - Due Diligence Vendor-03/20/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years, 2 years minimum required. Credit history exceeds minimum required - Minimum Credit History required is 2 years, Borrowers have 20+ years. Months Reserves exceed minimum required - Borrowers have $21,285.68 (5.8 months PITI) in verified assets after closing, no reserves were required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861940 | xxxxxx | C | C | A | A | C | C | C | A | Closed | xxxxxx | 2026-03-25 12:26 | 2026-04-20 17:05 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx. Individual Assistance. Post-Disaster inspection required. - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years, 2 years minimum required. Credit history exceeds minimum required - Minimum Credit History required is 2 years, Borrowers have 20+ years. Months Reserves exceed minimum required - Borrowers have $21,285.68 (5.8 months PITI) in verified assets after closing, no reserves were required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861940 | xxxxxx | C | C | A | A | C | C | C | A | Closed | xxxxxx | 2026-03-23 15:13 | 2026-04-08 15:39 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004D. - Due Diligence Vendor-04/08/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Appraisal performed "subject to" xxxxxx. A 1004D was not provided and file does not contain any documentation to evidence xxxxxx were installed as required per local codes. - Due Diligence Vendor-03/23/2026 |
Resolved-Received 1004D. - Due Diligence Vendor-04/08/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years, 2 years minimum required. Credit history exceeds minimum required - Minimum Credit History required is 2 years, Borrowers have 20+ years. Months Reserves exceed minimum required - Borrowers have $21,285.68 (5.8 months PITI) in verified assets after closing, no reserves were required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861941 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 15:39 | 2026-04-16 08:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Document Uploaded. Received clear OFAC for All Interested Parties Not Checked with Exclusionary Lists missing a seller ; non-borrowing spouse; selling listing agent/company - Due Diligence Vendor-04/16/2026 Counter-SAM.gov provided, please provide the OFAC - Due Diligence Vendor-04/08/2026 Open-All Interested Parties Not Checked with Exclusionary Lists missing a seller ; non-borrowing spouse; selling listing agent/company - Due Diligence Vendor-03/23/2026 |
Resolved-Document Uploaded. Received clear OFAC for All Interested Parties Not Checked with Exclusionary Lists missing a seller ; non-borrowing spouse; selling listing agent/company - Due Diligence Vendor-04/16/2026 |
Months Reserves exceed minimum required - 68.09 mos reserves; 0 required by LP Qualifying FICO score is at least 20 points above minimum for program - 783 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861941 | xxxxxx | C | A | C | A | A | A | C | A | Closed | xxxxxx | 2026-03-26 11:24 | 2026-04-08 15:33 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/08/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file and score is 3.5 (>2.5) A BPO is required to support the original value - Due Diligence Vendor-03/26/2026 |
Resolved-Received BPO. Value supported. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - 68.09 mos reserves; 0 required by LP Qualifying FICO score is at least 20 points above minimum for program - 783 FICO |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861942 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 16:29 | 2026-04-20 17:06 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 8.59 mths reserves; 0 mths required. Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+14.2k) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861942 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 16:01 | 2026-04-10 17:18 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO - Due Diligence Vendor-04/10/2026 Open-Value was based on a PIW and is missing the required secondary valuation. PIW on file, BPO required - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - 8.59 mths reserves; 0 mths required. Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+14.2k) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861943 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-01 10:43 | 2026-04-20 17:08 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx; Incident Period: xxxxxx, Declaration Date: xxxxxx Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-04/01/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 0 required - have 8.91 months Residual Income =/> 1.5 times $3,500 monthly residual income - $10,879.12 in residual monthly income which is =/> 1.5 times $3,500 monthly residual income |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861944 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 17:04 | 2026-04-01 15:52 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. No additional valuation product was identified in the file. - Due Diligence Vendor-03/23/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Verified employment history exceeds guidelines - 20+ years same job Months Reserves exceed minimum required - 49 months reserves and none required. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861946 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-03-25 11:08 | 2026-04-20 17:09 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after note without a PDI or 1004D. Appraisal missing from file. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Verified employment history exceeds guidelines - Employed 3+ Years – Minimum = 2 Years Credit history exceeds minimum required - Credit History = 144 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861946 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-03-25 16:04 | 2026-04-01 16:18 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-For secondary valuation BPO is required. (Appraisal is missing) - Due Diligence Vendor-03/25/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Verified employment history exceeds guidelines - Employed 3+ Years – Minimum = 2 Years Credit history exceeds minimum required - Credit History = 144 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861946 | xxxxxx | D | A | A | A | A | A | D | A | Closed | xxxxxx | 2026-03-23 15:38 | 2026-04-01 16:18 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Lender provided appraisal report. - Due Diligence Vendor-04/01/2026 Open-Appraisal is Missing A Uniform Residential Appraisal Report desktop appraisal (Form 70D) is the minimum assessment required. Must match secondary valuation - Due Diligence Vendor-04/01/2026 |
Resolved-Lender provided appraisal report. - Due Diligence Vendor-04/01/2026 |
Verified employment history exceeds guidelines - Employed 3+ Years – Minimum = 2 Years Credit history exceeds minimum required - Credit History = 144 Months Minimum Credit History = 24 Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861947 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-25 09:57 | 2026-04-20 17:11 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 0 months required 94 months verified Credit history exceeds minimum required - Borrower has credit history back to 2013. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861947 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-25 08:45 | 2026-04-17 11:34 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value supported within tolerance. - Due Diligence Vendor-04/17/2026 Counter-Received Lender response color BPO attached. No document attached. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing BPO since LCA score > 2.5 - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value supported within tolerance. - Due Diligence Vendor-04/17/2026 |
Months Reserves exceed minimum required - 0 months required 94 months verified Credit history exceeds minimum required - Borrower has credit history back to 2013. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861947 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-03-24 12:31 | 2026-04-02 12:00 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/24/2026 |
Months Reserves exceed minimum required - 0 months required 94 months verified Credit history exceeds minimum required - Borrower has credit history back to 2013. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861948 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-24 12:32 | 2026-04-22 12:18 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Finding expired xxxxxx. - Due Diligence Vendor-03/24/2026 | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Finding expired xxxxxx. - Due Diligence Vendor-03/24/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Over $6K residual income none required. Months Reserves exceed minimum required - 15 available none required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861948 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-04-01 10:45 | 2026-04-20 17:13 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-04/01/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Over $6K residual income none required. Months Reserves exceed minimum required - 15 available none required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861948 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-03-23 15:50 | 2026-04-10 07:59 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/10/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $150.00 Appraisal Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/23/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/10/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Over $6K residual income none required. Months Reserves exceed minimum required - 15 available none required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861949 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 16:14 | 2026-04-01 16:23 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. A BPO is required to support the appraised value. - Due Diligence Vendor-03/25/2026 |
Resolved-Lender provided BPO which supports value. - Due Diligence Vendor-04/01/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $10,225.15; minimum required NONE On time mortgage history exceeds guideline requirement - On Time Mortgage History = 71 Months Required = 12 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861950 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-04-02 12:35 | 2026-04-20 17:15 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Long term residence - Current primary has over 6 years of verification. Months Reserves exceed minimum required - 0 months required by LP. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861950 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 18:48 | 2026-04-16 09:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance. - Due Diligence Vendor-04/16/2026 Counter-SAM.gov provided, please provide OFAC. - Due Diligence Vendor-04/08/2026 Open-OFAC Check Not Completed and/or Cleared NB spouse to be added to interested parties and cleared through OFAC. - Due Diligence Vendor-03/23/2026 |
Resolved-Received OFAC clearance. - Due Diligence Vendor-04/16/2026 |
Long term residence - Current primary has over 6 years of verification. Months Reserves exceed minimum required - 0 months required by LP. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861950 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 17:48 | 2026-04-08 15:56 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 |
Long term residence - Current primary has over 6 years of verification. Months Reserves exceed minimum required - 0 months required by LP. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861950 | xxxxxx | C | A | C | A | C | A | C | A | Closed | xxxxxx | 2026-03-23 08:30 | 2026-04-08 12:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open--------Missing Initial CD - Due Diligence Vendor-03/23/2026 |
Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Long term residence - Current primary has over 6 years of verification. Months Reserves exceed minimum required - 0 months required by LP. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861951 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-04-02 11:21 | 2026-04-20 17:16 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Individual FEMA disaster after appraisal without a PDI or 1004D. Subject property is locat4d isn a FEMA disaster asreas for xxxxxx with an incident date of xxxxxx to xxxxxx and a declaration date of xxxxxx. appraisal is dated xxxxxx. Property disaster insopection report required. - Due Diligence Vendor-04/02/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - 2.89 months reserves - no reserves needed Verified employment history exceeds guidelines - Borrower has been employed since xxxxxx and co-borrower employed since xxxxxx. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861951 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 16:47 | 2026-04-10 11:35 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPOs - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. BPO product is required. - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPOs - Due Diligence Vendor-04/10/2026 |
Months Reserves exceed minimum required - 2.89 months reserves - no reserves needed Verified employment history exceeds guidelines - Borrower has been employed since xxxxxx and co-borrower employed since xxxxxx. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861952 | xxxxxx | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | |||||||||||||||||
| 861953 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-03-25 17:49 | 2026-05-07 09:36 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file has no score. A BPO is required to support the original value. - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - 50 months reserves > 0 Residual Income =/> 1.5 times $3,500 monthly residual income - $7,870.37 Residual Income. On time mortgage history exceeds guideline requirement - The borrower has a perfect mortgage history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861953 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-04-01 10:25 | 2026-05-06 15:03 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Employment verification finding has been waived. - Due Diligence Vendor-05/06/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-04/01/2026 |
Resolved-Employment verification finding has been waived. - Due Diligence Vendor-05/06/2026 |
Months Reserves exceed minimum required - 50 months reserves > 0 Residual Income =/> 1.5 times $3,500 monthly residual income - $7,870.37 Residual Income. On time mortgage history exceeds guideline requirement - The borrower has a perfect mortgage history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861953 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-04-01 10:22 | 2026-05-06 15:00 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Client exception granted for missing VVOE, waiver applied with compactors - Due Diligence Vendor-05/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing. Provide a VVOE within 10 days of the Note. - Due Diligence Vendor-04/01/2026 |
Waived-Client exception granted for missing VVOE, waiver applied with compactors - Due Diligence Vendor-05/06/2026 |
Months Reserves exceed minimum required - 50 months reserves > 0 Residual Income =/> 1.5 times $3,500 monthly residual income - $7,870.37 Residual Income. On time mortgage history exceeds guideline requirement - The borrower has a perfect mortgage history. |
Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861953 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-04-01 10:07 | 2026-04-08 15:07 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/08/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the legal Description Attached to The Mortgage. - Due Diligence Vendor-04/01/2026 |
Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - 50 months reserves > 0 Residual Income =/> 1.5 times $3,500 monthly residual income - $7,870.37 Residual Income. On time mortgage history exceeds guideline requirement - The borrower has a perfect mortgage history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861953 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-04-01 11:13 | 2026-04-08 15:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy. - Due Diligence Vendor-04/08/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided. Missing HOI Dec page supporting premium used for qualification. - Due Diligence Vendor-04/01/2026 |
Resolved-Received HOI policy. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - 50 months reserves > 0 Residual Income =/> 1.5 times $3,500 monthly residual income - $7,870.37 Residual Income. On time mortgage history exceeds guideline requirement - The borrower has a perfect mortgage history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861953 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-03-23 16:56 | 2026-03-23 16:56 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Months Reserves exceed minimum required - 50 months reserves > 0 Residual Income =/> 1.5 times $3,500 monthly residual income - $7,870.37 Residual Income. On time mortgage history exceeds guideline requirement - The borrower has a perfect mortgage history. |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861954 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-03-23 16:42 | 2026-08-26 11:24 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-A drive by appraisal was obtained which supports the original value - Due Diligence Vendor-06/02/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. A BPO is required to support the value - Due Diligence Vendor-03/25/2026 |
Resolved-A drive by appraisal was obtained which supports the original value - Due Diligence Vendor-06/02/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,414.72; minimum required NONE Months Reserves exceed minimum required - 0 required - 17.86 months reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861954 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-03-23 17:57 | 2026-05-12 13:33 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-The request for an exception for employment verification is granted - Due Diligence Vendor-05/12/2026 Open-Income and Employment Do Not Meet Guidelines Verbal VOE reflects Brws most recent start date with xxxxxx as xxxxxx which only supports 1 year, 8 mos of employment while loan app reflects Brws start with employer as xxxxxx. Provide verification from xxxxxx documenting Brws correct original start date of xxxxxx to ensure a full 2 year employment history is documented. - Due Diligence Vendor-03/23/2026 |
Waived-The request for an exception for employment verification is granted - Due Diligence Vendor-05/12/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,414.72; minimum required NONE Months Reserves exceed minimum required - 0 required - 17.86 months reserves |
Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861954 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-03-23 17:41 | 2026-04-29 14:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Lender confirmed inquiry was from xxxxxx who originated this loan. Inquiry was for this transaction. - Due Diligence Vendor-04/29/2026 Open-LOX for credit inquiries is missing. LOX required for xxxxxx inquiries on xxxxxx. - Due Diligence Vendor-03/24/2026 |
Resolved-Lender confirmed inquiry was from xxxxxx who originated this loan. Inquiry was for this transaction. - Due Diligence Vendor-04/29/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,414.72; minimum required NONE Months Reserves exceed minimum required - 0 required - 17.86 months reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861954 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-03-23 17:41 | 2026-04-20 17:18 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Individual FEMA disaster- xxxxxx- declared for xxxxxx after appraisal date. PDI required. - Due Diligence Vendor-03/24/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,414.72; minimum required NONE Months Reserves exceed minimum required - 0 required - 17.86 months reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861954 | xxxxxx | C | B | C | B | B | B | C | A | Closed | xxxxxx | 2026-03-23 09:19 | 2026-03-23 13:51 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $8,414.72; minimum required NONE Months Reserves exceed minimum required - 0 required - 17.86 months reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861955 | xxxxxx | C | C | A | A | C | C | C | A | Closed | xxxxxx | 2026-03-23 10:00 | 2026-05-15 08:11 | Waived | 3 - Material | C | C | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($214.00) exceed the comparable charges ($190.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $5.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $5.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/23/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Verified employment history exceeds guidelines - 6 years same business Residual Income =/> 1.5 times $3,500 monthly residual income - Over $9K residual income and none required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861955 | xxxxxx | C | C | A | A | C | C | C | A | Closed | xxxxxx | 2026-03-23 17:30 | 2026-04-08 14:54 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU shows no score - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/08/2026 |
Verified employment history exceeds guidelines - 6 years same business Residual Income =/> 1.5 times $3,500 monthly residual income - Over $9K residual income and none required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861955 | xxxxxx | C | C | A | A | C | C | C | A | Closed | xxxxxx | 2026-03-23 10:00 | 2026-04-08 12:53 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.12.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/08/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,719.12.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $1,719.12 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,719.12, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/23/2026 |
Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.12.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-04/08/2026 |
Verified employment history exceeds guidelines - 6 years same business Residual Income =/> 1.5 times $3,500 monthly residual income - Over $9K residual income and none required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861955 | xxxxxx | C | C | A | A | C | C | C | A | Closed | xxxxxx | 2026-03-23 09:08 | 2026-03-23 09:08 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/23/2026 |
Verified employment history exceeds guidelines - 6 years same business Residual Income =/> 1.5 times $3,500 monthly residual income - Over $9K residual income and none required. |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861956 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-26 11:55 | 2026-04-20 17:19 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. INDIVIDUAL - Missing PDI from file xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-03/26/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years Months Reserves exceed minimum required - 52.07 mos reserves; DU requiring $0 reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861956 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 09:40 | 2026-04-14 11:06 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/14/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU in file and score is 2.6 (>2.5) A BPO is required to support the original value - Due Diligence Vendor-03/24/2026 |
Resolved-Received BPO. Value Supported. - Due Diligence Vendor-04/14/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years Months Reserves exceed minimum required - 52.07 mos reserves; DU requiring $0 reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861956 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 10:18 | 2026-04-14 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/26/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2026 |
Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years Months Reserves exceed minimum required - 52.07 mos reserves; DU requiring $0 reserves |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-03-25 09:47 | 2026-06-01 16:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved--Per expanded agency guidelines DTI is acceptable up to 55%. - Due Diligence Vendor-06/01/2026 Open-Audited DTI of 50.43% exceeds AUS DTI of 44.8% Lender included rental income for the subject property. Per the appraisal, the basement unit was not permitted and unable to use as a rental. An LOE was provided from the borrower that they would not be renting out the basement once the lease ended (xxxxxx). Rental income should not be used, as no continuation. - Due Diligence Vendor-03/25/2026 |
Resolved--Per expanded agency guidelines DTI is acceptable up to 55%. - Due Diligence Vendor-06/01/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
1 - Reserves exceed requirement by 10 months or more 2 - 0x30 for 24 months on all mortgages |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-03-25 09:47 | 2026-06-01 16:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | AUS Partially Provided | Resolved--Per expanded agency guidelines DTI to 55% is acceptable. - Due Diligence Vendor-06/01/2026 Open-Calculated DTI is 50.43%, LP DTI is 45%, Corrected LP required reflecting a DTI opf 50.43%. - Due Diligence Vendor-04/02/2026 |
Resolved--Per expanded agency guidelines DTI to 55% is acceptable. - Due Diligence Vendor-06/01/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
1 - Reserves exceed requirement by 10 months or more 2 - 0x30 for 24 months on all mortgages |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-06-01 15:56 | 2026-06-01 15:56 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Unable To Determine Guidelines Used At Origination | Waived--Loan review to Client Expanded Agency Guidelines. Unable to determine guidelines used at time of origination. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-06/01/2026 | Waived--Loan review to Client Expanded Agency Guidelines. Unable to determine guidelines used at time of origination. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-06/01/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-04-01 13:15 | 2026-05-15 16:44 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/15/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited DTI of 50.43% exceeds AUS DTI of 44.8% Lender included rental income for the subject property. Per the appraisal, the basement unit was not permitted and unable to use as a rental. An LOE was provided from the borrower that they would not be renting out the basement once the lease ended (xxxxxx). Rental income should not be used, as no continuation. - Due Diligence Vendor-04/01/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/15/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-05-15 16:41 | 2026-05-15 16:44 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-05/15/2026 Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-05/15/2026 |
Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-05/15/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-03-23 18:39 | 2026-05-15 08:12 | Waived | 3 - Material | C | C | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx Sequence2 and xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/23/2026 Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
Waived-The investor agrees to accept xxxxxx, SOL 3yrs and will expire on xxxxxx. - Due Diligence Vendor-05/15/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-03-25 09:37 | 2026-04-20 17:21 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx Missing the post disaster inspection. - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861958 | xxxxxx | D | C | D | B | C | C | C | A | Closed | xxxxxx | 2026-03-25 08:57 | 2026-04-10 11:21 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received BPO. - Due Diligence Vendor-04/10/2026 Open-The Primary Property Value is unsubstantiated. BPO is required. - Due Diligence Vendor-04/01/2026 |
Resolved-Received BPO. - Due Diligence Vendor-04/10/2026 |
On time mortgage history exceeds guideline requirement - 0x30x12 required - borrower has 0x30x35 months Months Reserves exceed minimum required - 0 months required - have 53.58 months Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 LTV is less than guideline maximum - Required is 95 Borrower has 80 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-01 10:13 | 2026-04-20 17:23 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Counter-PDI was not attached. Please re-upload. - Due Diligence Vendor-04/08/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Incident Period: xxxxxx Major Disaster Declaration declared on xxxxxx - Due Diligence Vendor-04/01/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-25 14:35 | 2026-04-16 09:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Credit supplement dated prior to close reflect additional consumer debt paid prior to close. - Due Diligence Vendor-04/08/2026 Open-Audited DTI of 50.02% exceeds AUS DTI of 49% Lender other payments on the 1008 show lower than what appears on the credit report. Off by $172 - Due Diligence Vendor-03/25/2026 |
Resolved-Credit supplement dated prior to close reflect additional consumer debt paid prior to close. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-02 13:50 | 2026-04-16 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | AUS Partially Provided | Resolved-AUS is fully present - Due Diligence Vendor-04/08/2026 Open-The calculated DTI is 50.02%, LP refects a DTI of 49.0%, a corrected LP is required with a DTI of 50.02%. - Due Diligence Vendor-04/02/2026 |
Resolved-AUS is fully present - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-25 15:01 | 2026-04-16 09:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal and 1004d repair complete. - Due Diligence Vendor-04/16/2026 Open-Appraisal is Missing Missing appraisal - Due Diligence Vendor-03/25/2026 |
Resolved-Received appraisal and 1004d repair complete. - Due Diligence Vendor-04/16/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-01 09:46 | 2026-04-13 16:57 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Upon further review, the Appraisal is colored. BPO is sufficient. - Due Diligence Vendor-04/13/2026 Counter-BPO provided, however it has black and white photos. Please provide the color version. - Due Diligence Vendor-04/08/2026 Open-Missing BPO to support the appraisal once it is received. - Due Diligence Vendor-04/01/2026 |
Resolved-Upon further review, the Appraisal is colored. BPO is sufficient. - Due Diligence Vendor-04/13/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-01 09:41 | 2026-04-08 14:44 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/08/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing lease and 1007 to support rental income on departure residence. - Due Diligence Vendor-04/01/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-04-01 09:43 | 2026-04-08 14:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-04/08/2026 Open-Missing proof of full PITIA for departure residence, unknown if payment on credit report includes escrows. - Due Diligence Vendor-04/01/2026 |
Resolved-Received PITIA. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861959 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-25 15:07 | 2026-04-08 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Lease Agreement. - Due Diligence Vendor-04/08/2026 Open-Missing lease agreement AND 1007 market rent from departing residence to support rental income - Due Diligence Vendor-03/25/2026 |
Resolved-Received Lease Agreement. - Due Diligence Vendor-04/08/2026 |
Months Reserves exceed minimum required - BWR has 58 Months in reserves in excess of what is required On time mortgage history exceeds guideline requirement - MTG History 0x30x73 months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861960 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 17:54 | 2026-04-20 17:25 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Counter-PDI was not attached. Please re-upload. - Due Diligence Vendor-04/08/2026 Counter-Received desk review, PDI is required. Finding remains - Due Diligence Vendor-04/01/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post-closing Disaster: xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-03/23/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
On time mortgage history exceeds guideline requirement - 0x30 for 36 months Verified employment history exceeds guidelines - 60 months at current employer |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861960 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-23 17:13 | 2026-04-01 10:31 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. Received BPO - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA is file is >2.5. A BPO is required to support the original value. - Due Diligence Vendor-03/25/2026 |
Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. Received BPO - Due Diligence Vendor-04/01/2026 |
On time mortgage history exceeds guideline requirement - 0x30 for 36 months Verified employment history exceeds guidelines - 60 months at current employer |
AVM with FSD of .15 or BPO is required. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 861961 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 19:18 | 2026-05-13 09:48 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non material. - Due Diligence Vendor-05/13/2026 Open-Housing History Does Not Meet Guideline Requirements Missing VOR to support 1500.00 monthly rent as stated on the final 1003. Per guides xxxxxx Single-Family Seller/Servicer Guide 2/4/2026; VOR 0x30x12, from management company, or landlord/fully executed lease (supported by most recent 2mos evidence of payment), or most recent 6mos canceled checks/bank statements. - Due Diligence Vendor-03/24/2026 |
Waived-Client exception granted, waiver applied with comp factors. Deemed non material. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 793 is higher than required 700. Qualifying DTI below maximum allowed - DTI 30.71%. Per guides, maximum DTI 45%. Months Reserves exceed minimum required - 17.64mos reserves. Per guides, no reserves required |
1 - Credit Score 30+ points > minimum required 2 - DTI <= 36% which is below requirement in guidelines 3 - Reserves exceed requirement by 10 months or more |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |
| 861961 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-03-23 21:43 | 2026-05-13 09:47 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/13/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOR to support 1500.00 monthly rent as stated on the final 1003. - Due Diligence Vendor-03/24/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 793 is higher than required 700. Qualifying DTI below maximum allowed - DTI 30.71%. Per guides, maximum DTI 45%. Months Reserves exceed minimum required - 17.64mos reserves. Per guides, no reserves required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861962 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-26 11:11 | 2026-04-20 17:28 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. Provide PDI or 1004D for FEMA disaster xxxxxx started on xxxxxx. - Due Diligence Vendor-03/26/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/20/2026 |
Additional assets not used to qualify - Additional assets provided not being used. On time mortgage history exceeds guideline requirement - Borrower has a long history of on time mortgage payments |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861963 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-24 07:59 | 2026-05-14 13:05 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review which supports value - Due Diligence Vendor-05/14/2026 Counter-Received duplicate appraisal review short form. Missing BPO supporting value and reflecting correct property address. - Due Diligence Vendor-04/10/2026 Counter-Address on BPO provided does not match subject property address - Due Diligence Vendor-04/01/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA is file has no score. A BPO is required to support the original value. - Due Diligence Vendor-03/26/2026 |
Resolved-Received desk review which supports value - Due Diligence Vendor-05/14/2026 |
Months Reserves exceed minimum required - 63 months PITIA reserves; 0 months reserves required. On time mortgage history exceeds guideline requirement - 0x30 since xxxxxx |
AVM SCORE 0.13 | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |
| 861963 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 15:34 | 2026-04-23 13:28 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/23/2026 Counter-Received Residential Appraisal Review. Please provide a PDI or 1004D - Due Diligence Vendor-04/01/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post-closing Disaster: xxxxxx Incident Period: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-03/25/2026 |
Resolved-Received PDI with an inspection date of xxxxxx. Free and clear of disaster related damage. - Due Diligence Vendor-04/23/2026 |
Months Reserves exceed minimum required - 63 months PITIA reserves; 0 months reserves required. On time mortgage history exceeds guideline requirement - 0x30 since xxxxxx |
QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861964 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 08:55 | 2026-04-29 15:43 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-PDI provided dated xxxxxx confirming subject is free and clear of disaster related damage. - Due Diligence Vendor-04/29/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA Post closing Disaster xxxxxx Declaration Date: xxxxxx; Individual Assistance. Post Disaster inspection Required. - Due Diligence Vendor-03/25/2026 |
Resolved-PDI provided dated xxxxxx confirming subject is free and clear of disaster related damage. - Due Diligence Vendor-04/29/2026 |
Credit history exceeds minimum required - 0x30 mortgage history to 2011 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income greater than $20K monthly |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 861964 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-03-25 08:26 | 2026-04-10 11:06 | Resolved | 1 - Information | C | A | Property | Property | Value was based on a PIW and is missing the required secondary valuation | Resolved-Received BPO - Due Diligence Vendor-04/10/2026 Open-Value was based on a PIW and is missing the required secondary valuation. Missing BPO to support PIW value - Due Diligence Vendor-03/25/2026 |
Resolved-Received BPO - Due Diligence Vendor-04/10/2026 |
Credit history exceeds minimum required - 0x30 mortgage history to 2011 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income greater than $20K monthly |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |