EXHIBIT 99.4
CANOPY RATING AGENCY GRADES DETAIL REPORT
| Loan ID | Seller Loan ID | Investor 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 | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 853247 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2025-11-19 16:13 | 2025-12-10 13:16 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-**Lender to provide missing Initial Loan Estimate provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-11/19/2025 |
Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.73% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.47 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
Full Review853247_xxxxxx_12_8_2025_42331_PM.zip | 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 | |||
| 853247 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2025-11-20 12:39 | 2025-12-10 12:53 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-Required Affiliated Business Disclosure Missing **Lender to provide a copy of the Affiliated Business Disclosure and evidence the borrower received within 3 business days of the application date. All affiliated Business Arrangements must be disclosed to the buyer in connection to settlement services. The lender can provide an attestation that it has no affiliates or that their affiliates do not provide settlement services if applicable. - Due Diligence Vendor-11/20/2025 |
Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-12/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.73% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.47 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
853247_xxxxxx_Affiliated_Business_Disclosure.pdf | 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 | |||
| 853247 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2025-11-19 16:11 | 2025-12-08 10:14 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-SSPL DOCUMENT MISSING FROM PACKAGE - Due Diligence Vendor-11/19/2025 |
Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.73% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.87% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.47 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
853247_xxxxxx-_servicer_list.pdf 853247_xxxxxx-_servicer_list.pdf |
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 | |||
| 853245 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2025-12-10 12:23 | 2025-12-23 12:26 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/23/2025 Resolved-***Received complete cure package. - Due Diligence Vendor-12/23/2025 Resolved- - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Due Diligence Vendor-12/22/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. *************** ILE & RLE received, data entered, resulting in additional compliance findings. ~~~~~~~~~~~~~~The following charges have been either added or increased: Tax service fee disclosed in ILE at xxxxxx, increased to xxxxxx resulting in a 0% tolerance cure in the amount of $50.00. 0% tolerance cure in the amount of $50.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-***Received complete cure package. - Due Diligence Vendor-12/23/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.72 Years |
Full Review853245_xxxxxx_12_18_2025_32620_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853245 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2025-12-10 12:23 | 2025-12-23 12:25 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received complete cure package. - Due Diligence Vendor-12/23/2025 Resolved- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/23/2025 Resolved-***Received complete cure package. - Due Diligence Vendor-12/23/2025 Resolved- - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Due Diligence Vendor-12/22/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. *************** ILE & RLE received, data entered, resulting in additional compliance findings. ~~~~~~~~~~~~~~The following charges have been either added or increased: Tax service fee disclosed in ILE at xxxxxx, increased to xxxxxx resulting in a 0% tolerance cure in the amount of $50.00. 0% tolerance cure in the amount of $50.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Cured-***Received complete cure package. - Due Diligence Vendor-12/23/2025 Resolved-***Received complete cure package. - Due Diligence Vendor-12/23/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.72 Years |
Full Review853245_xxxxxx_12_18_2025_32622_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853245 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2025-12-10 12:23 | 2025-12-23 12:25 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-***Received complete cure package. - Due Diligence Vendor-12/23/2025 Resolved- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/23/2025 Open- - Due Diligence Vendor-12/23/2025 Resolved-***Received complete cure package. - Due Diligence Vendor-12/23/2025 Resolved- - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED - Due Diligence Vendor-12/22/2025 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 $50.00.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). *************** ILE & RLE received, data entered, resulting in additional compliance findings. ~~~~~~~~~~~~~~The following charges have been either added or increased: Tax service fee disclosed in ILE at xxxxxx, increased to xxxxxx resulting in a 0% tolerance cure in the amount of $50.00. 0% tolerance cure in the amount of $50.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Cured-***Received complete cure package. - Due Diligence Vendor-12/23/2025 Resolved-***Received complete cure package. - Due Diligence Vendor-12/23/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.72 Years |
Full Review853245_xxxxxx_12_18_2025_32618_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853245 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2025-11-19 15:03 | 2025-12-23 12:24 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-***rcvd - Due Diligence Vendor-12/23/2025 Ready for Review-Document Uploaded. PLEASE SEE ATTACHED`` - Due Diligence Vendor-12/22/2025 Counter-*************** ILE & RLE received, data entered, resulting in additional compliance findings. ~~~~~~~~~~~~~~The following charges have been either added or increased: Tax service fee disclosed in ILE at xxxxxx, increased to xxxxxx resulting in a 0% tolerance cure in the amount of $50.00. 0% tolerance cure in the amount of $50.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-Documentation provided does not contain the Initial Loan Estimated. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-11/19/2025 |
Resolved-***rcvd - Due Diligence Vendor-12/23/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.72 Years |
Full Review853245_xxxxxx_12_8_2025_41856_PM.zip Full Review853245_xxxxxx_12_18_2025_32625_PM.zip |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853245 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2025-11-19 07:45 | 2025-12-10 09:03 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-11/19/2025 |
Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-12/10/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.72 Years |
853245_xxxxxx_history_1322975.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853245 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2025-11-19 15:23 | 2025-12-08 10:13 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***received SSPL - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-Service Provider List is Missing. - Due Diligence Vendor-11/19/2025 |
Resolved-***received SSPL - Due Diligence Vendor-12/08/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.72 Years |
853245_xxxxxx-servicer_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853244 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2025-11-20 16:18 | 2025-12-18 09:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/17/2025 Counter-***Received the Rate Lock Extension Disclosure. We are still missing the rate lock agreement or evidence of when the rate was locked and terms. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-Evidence of Rate Lock Missing **Lender to provide evidence of initial and any subsequent re-locks or rate extension(s). - Due Diligence Vendor-11/20/2025 |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/18/2025 |
853244_xxxxxx-rate_lock.pdf Full Review853244_xxxxxx_12_16_2025_43905_PM.zip |
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 | ||||
| 853244 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2025-11-19 05:21 | 2025-12-18 09:08 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/17/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-11/19/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/18/2025 |
853244_xxxxxx_Lender_Letter.pdf | 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 | ||||
| 853244 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2025-11-19 23:18 | 2025-12-13 09:56 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-12/12/2025 Open- - Due Diligence Vendor-12/04/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 5) Required Desk review - Due Diligence Vendor-11/20/2025 |
Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 |
Full Review853244_xxxxxx_12_12_2025_110829_AM.zip | 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 | ||||
| 853244 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2025-11-20 16:15 | 2025-12-10 11:59 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-**The original file is missing the Initial and Revised Loan Estimate. Lender to provide along with all initial disclosures. Document is needed to complete compliance testing. - Due Diligence Vendor-11/20/2025 |
Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/10/2025 |
Full Review853244_xxxxxx_12_8_2025_41603_PM.zip | 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 | ||||
| 853242 | 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 | Second Home | Purchase | NA | |||||||||||||||||||
| 853240 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2025-11-19 07:56 | 2025-12-19 10:03 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/17/2025 Open-Borrower 1 Paystubs Less Than 1 Month Provided - Need second paystub for xxxxxx - Due Diligence Vendor-11/19/2025 |
Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-12/19/2025 |
853240_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853240 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2025-11-19 14:03 | 2025-12-10 11:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-TRID disclosures & history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-**Lender to provide missing Initial Loan Estimate and any revised loan estimates and applicable COCs along with all initial disclosures. Documents is needed to complete compliance testing. - Due Diligence Vendor-11/19/2025 |
Resolved-TRID disclosures & history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 |
Full Review853240_xxxxxx_12_8_2025_42053_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853240 | xxxxxx | D | A | C | A | D | A | C | A | Closed | xxxxxx | 2025-11-19 08:43 | 2025-12-10 09:02 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Please see attached CDA - Due Diligence Vendor-12/09/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) Third Party Valuation Product Was Not Provided (CU Score Is 3, LCA is 3.5) that supports value with under a 2.5 score - Due Diligence Vendor-11/19/2025 |
Resolved-desk review provided. - Due Diligence Vendor-12/10/2025 |
Full Review853240_xxxxxx_12_8_2025_42050_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853238 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-12-24 08:12 | 2026-01-06 15:11 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved- Builders coverage Policy provided with effective date of xxxxxx - 1004D completion dated xxxxxx - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. please see attached docs - Due Diligence Vendor-01/06/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx completed xxxxxx - Missing Builders coverage Policy - Due Diligence Vendor-12/24/2025 |
Resolved- Builders coverage Policy provided with effective date of xxxxxx - 1004D completion dated xxxxxx - Due Diligence Vendor-01/06/2026 |
853238_xxxxxx_HOI_Pmt,_partial.pdf 853238_xxxxxx_Certificate_(1).pdf 853238_xxxxxx_HOI.pdf 853238_xxxxxx_1004D.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 853238 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-11-19 16:07 | 2025-12-24 08:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/24/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/19/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/24/2025 |
853238_xxxxxx_HOA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 853248 | xxxxxx | D | A | A | A | C | A | D | A | Closed | xxxxxx | 2025-11-20 14:52 | 2025-12-10 09:04 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attached CDA - Due Diligence Vendor-12/09/2025 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-11/20/2025 |
Resolved-desk review provided. - Due Diligence Vendor-12/10/2025 |
Full Review853248_xxxxxx_12_8_2025_42533_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853248 | xxxxxx | D | A | A | A | C | A | D | A | Closed | xxxxxx | 2025-11-20 09:14 | 2025-12-08 10:26 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-***Received ICD - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-Documentation provided does not contain the Initial Loan Estimate and Lock revised Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-11/20/2025 |
Resolved-***Received ICD - Due Diligence Vendor-12/08/2025 |
853248_xxxxxx-LE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853237 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2025-11-20 02:57 | 2025-12-13 09:42 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-12/12/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.7) - Due Diligence Vendor-11/20/2025 |
Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.74% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.37 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
Full Review853237_xxxxxx_12_11_2025_42101_PM.zip | 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 | |||
| 853236 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2025-11-20 16:35 | 2026-08-27 14:09 | Waived | 2 - Non-Material | C | B | Compliance | TRID | ARM Disclosure is Missing | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-The investor agrees to accept xxxxxx - Due Diligence Vendor-01/14/2026 Ready for Review-The investor agrees to accept xxxxxx, SOL 1yrs and will expire on xxxxxx. Please add to securitization tape - Due Diligence Vendor-01/13/2026 Open-ARM Disclosure is Missing - Due Diligence Vendor-11/21/2025 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-The investor agrees to accept xxxxxx - Due Diligence Vendor-01/14/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.97 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 853236 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2025-11-20 16:37 | 2025-12-18 09:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail and a previously not provided TRID disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 Resolved- - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. The loan was approved to close in a Trust on xxxxxx which requires an increased doc prep fee. It was disclosed to the borrower on xxxxxx which you will find in the attached. - Due Diligence Vendor-12/17/2025 Open-******According to the LE disclosure tracking, LEs were issued on xxxxxx and xxxxxx. Although a Change of Circumstance was submitted to justify the increase in the Attorney Doc Prep Fee, the revised LE associated with that COC is not in the file. The revised LE must be provided in order for the COC to be applied. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 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 $50.00.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-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-COC event detail and a previously not provided TRID disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 |
Full Review853236_xxxxxx_12_16_2025_43734_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853236 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2025-11-20 16:37 | 2025-12-18 09:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-COC event detail and a previously not provided TRID disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 Resolved- - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. The loan was approved to close in a Trust on xxxxxx which requires an increased doc prep fee. It was disclosed to the borrower on xxxxxx which you will find in the attached. - Due Diligence Vendor-12/17/2025 Open-******According to the LE disclosure tracking, LEs were issued on xxxxxx and xxxxxx. Although a Change of Circumstance was submitted to justify the increase in the Attorney Doc Prep Fee, the revised LE associated with that COC is not in the file. The revised LE must be provided in order for the COC to be applied. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/20/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-COC event detail and a previously not provided TRID disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 |
Full Review853236_xxxxxx_12_16_2025_43737_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853236 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2025-11-20 16:37 | 2025-12-18 09:02 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail and a previously not provided TRID disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 Resolved- - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. The loan was approved to close in a Trust on xxxxxx which requires an increased doc prep fee. It was disclosed to the borrower on xxxxxx which you will find in the attached. - Due Diligence Vendor-12/17/2025 Open-******According to the LE disclosure tracking, LEs were issued on xxxxxx and xxxxxx. Although a Change of Circumstance was submitted to justify the increase in the Attorney Doc Prep Fee, the revised LE associated with that COC is not in the file. The revised LE must be provided in order for the COC to be applied. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/20/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-COC event detail and a previously not provided TRID disclosure received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 |
Full Review853236_xxxxxx_12_16_2025_43739_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853236 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2025-12-10 08:58 | 2025-12-13 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-DISASTER INSPECTION REPORT provided - Due Diligence Vendor-12/13/2025 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-12/12/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. xxxxxx - FEMA Disaster Type Flood - xxxxxx - Due Diligence Vendor-12/10/2025 |
Resolved-DISASTER INSPECTION REPORT provided - Due Diligence Vendor-12/13/2025 |
Full Review853236_xxxxxx_12_11_2025_43635_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853236 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2025-11-20 06:20 | 2025-12-10 08:58 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Please see attached CDA - Due Diligence Vendor-12/09/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) CDA Document is missing in this file. - Due Diligence Vendor-11/20/2025 |
Resolved-desk review provided. - Due Diligence Vendor-12/10/2025 |
Full Review853236_xxxxxx_12_8_2025_41417_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853235 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2025-11-20 01:51 | 2025-12-13 09:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited FICO of 709 is less than Guideline FICO of 720. - Due Diligence Vendor-12/13/2025 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines - Due Diligence Vendor-12/12/2025 Open-Audited FICO of 709 is less than Guideline FICO of 720. Missing approved exception in file - Due Diligence Vendor-11/20/2025 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited FICO of 709 is less than Guideline FICO of 720. - Due Diligence Vendor-12/13/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines Compensating Factor 2 - DTI <= 40% which is below requirement in guidelines Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 853235 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2025-11-20 11:00 | 2025-12-10 11:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Missing TRID disclosures & history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachments - Due Diligence Vendor-12/09/2025 Open-******Documentation provided does not contain the~ Initial Loan estimate dated xxxxxx; Revised Loan Estimate dated xxxxxx; Revised Loan Estimate dated xxxxxx. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-11/20/2025 |
Resolved-Missing TRID disclosures & history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Full Review853235_xxxxxx_12_8_2025_41656_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853235 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2025-11-20 11:01 | 2025-12-10 11:14 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Missing TRID disclosures & history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachments - Due Diligence Vendor-12/09/2025 Open-******Documentation provided does not contain the Revised Closing Disclosure issued xxxxxx. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-11/20/2025 |
Resolved-Missing TRID disclosures & history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
Full Review853235_xxxxxx_12_8_2025_41701_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853235 | xxxxxx | D | B | C | B | D | A | A | A | Closed | xxxxxx | 2025-11-20 10:58 | 2025-12-08 10:03 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-SPL has not been provided ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-11/20/2025 |
Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.90 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
853235_xxxxxx-service_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853233 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-11-24 16:22 | 2026-01-04 08:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax documentation provided. - Due Diligence Vendor-01/04/2026 Ready for Review-The reason there is a tax estimator in addition is due to calculating taxes without a homestead exemption which was used to qualify. counter: Our estimated tax calculation would be the most accurate as it reflects the full tax amount without any exemptions. It came out to xxxxxx per year - Due Diligence Vendor-01/02/2026 Counter-the additional tax docs do not provide the annual taxes for xxxxxx - Missing Tax Cert - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-12/17/2025 Open-Missing verification of tax information for xxxxxx. Page 83 is only estimate. - Due Diligence Vendor-11/24/2025 |
Resolved-Tax documentation provided. - Due Diligence Vendor-01/04/2026 |
853233_xxxxxx_Taxes_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853233 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-11-24 00:21 | 2025-12-18 08:55 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-12/17/2025 Open-**Lender to provide Initial Loan Estimate and all subsequent revised Loan Estimates and any applicable COCs along with all initial disclosures. These documents are needed to complete compliance testing. - Due Diligence Vendor-11/24/2025 |
Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 |
Full Review853233_xxxxxx_12_16_2025_50828_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853233 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-11-24 00:11 | 2025-12-08 09:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Received copy of CD issued xxxxxx as the Final CD, same copy in the original file. - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-TRID: Missing Final Closing Disclosure ***Lender to provide a copy of the final closing disclosure or confirm if the unexecuted CD issued xxxxxx is the Final CD. - Due Diligence Vendor-11/24/2025 |
Resolved-Received copy of CD issued xxxxxx as the Final CD, same copy in the original file. - Due Diligence Vendor-12/08/2025 |
853233_xxxxxx-final_cd.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853233 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-11-24 00:21 | 2025-12-08 08:59 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-Application Date is xxxxxx, Service Provider List is not provided within 3 business days of application. - Due Diligence Vendor-11/24/2025 |
Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 |
853233_xxxxxx-servicer_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853233 | xxxxxx | D | B | D | B | D | A | A | A | Closed | xxxxxx | 2025-11-24 17:23 | 2025-11-24 17:23 | Waived | 2 - Non-Material | B | B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived- Client exception granted with compensating factorsIncome and Employment Do Not Meet Guidelines RSU type income is less than 12 months. - Due Diligence Vendor-11/24/2025 | Waived- Client exception granted with compensating factorsIncome and Employment Do Not Meet Guidelines RSU type income is less than 12 months. - Due Diligence Vendor-11/24/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.74 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months |
67% LTV Stron crdit 15 trades dating back to 2004 only 1x30 over 2 years ago |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 853232 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2025-11-24 13:31 | 2025-12-19 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-12/17/2025 Counter-Provided HOA statement confirming monthly amount. - Due Diligence Vendor-12/10/2025 Ready for Review-Loan is escrowed. The xxxxxx is for HOA - Due Diligence Vendor-12/09/2025 Open-Final 1003 page 2022 shows additional pmt of xxxxxx for xxxxxx. need to verify if this is for HOA or additional insurance or taxes not included in pmt. no letter in file to determine - Due Diligence Vendor-11/24/2025 |
Resolved-HOA statement provided - Due Diligence Vendor-12/19/2025 |
Full Review853232_xxxxxx_12_16_2025_51026_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853232 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2025-11-21 14:27 | 2025-12-10 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 10 Missing | Resolved-Asset 10 Provided Or Not Applicable - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/09/2025 Open-Asset 10 Missing missing xxxxxx 401k statement for B1. was used for final figures but no statement in file. Was only able to find the TOW in file - Due Diligence Vendor-11/24/2025 |
Resolved-Asset 10 Provided Or Not Applicable - Due Diligence Vendor-12/10/2025 |
853232_xxxxxx_401KAug.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853232 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2025-11-21 11:31 | 2025-12-10 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. VVOE for B1 attached which is within 120 days of note date - Due Diligence Vendor-12/09/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/10/2025 |
Full Review853232_xxxxxx_12_8_2025_41215_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853232 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2025-11-24 00:35 | 2025-12-10 10:45 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-TRID's and history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/09/2025 Open-******Documentation provided does not contain the Initial Loan Estimate . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-11/24/2025 |
Resolved-TRID's and history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 |
Full Review853232_xxxxxx_12_8_2025_41225_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853232 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2025-11-24 00:36 | 2025-12-08 08:55 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/08/2025 Open-Service Provider List is Missing - Due Diligence Vendor-11/24/2025 |
Resolved-***Received SSPL - Due Diligence Vendor-12/08/2025 |
853232_xxxxxx-_servicer_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853231 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-24 09:44 | 2026-01-13 14:37 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Missing HOA statement - Due Diligence Vendor-01/13/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines - Due Diligence Vendor-01/13/2026 Counter-The Mortgage statement reflects PITIA as $11,379.43 however the final 1003 reflects an additional $5K - Proof of what the additional $5k is for is needed. - Due Diligence Vendor-01/06/2026 Ready for Review-we do not have the HOA documents - Due Diligence Vendor-01/06/2026 Open-Missing HOA statement for xxxxxx. Verified thru google and xxxxxx there are HOA dues but no statement in file. final 1003 shows additional 5k pmt - Due Diligence Vendor-11/24/2025 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Missing HOA statement - Due Diligence Vendor-01/13/2026 |
DTI <= 36% which is below requirement in guidelines Credit Score 30+ points > minimum required Residual income more than 2.5x the amount required by guidelines |
Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines Compensating Factor 2 - Credit Score 30+ points > minimum required 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 | Originator Post-Close | No | xxxxxx | |||
| 853231 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-21 09:19 | 2026-01-06 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/06/2026 Ready for Review-We do not have the VVOE- borrower is a xxxxxx. - Due Diligence Vendor-01/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||||
| 853231 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-21 09:19 | 2026-01-06 14:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/06/2026 Ready for Review-We do not require income calculation, but notes were provided on the 1008 - Due Diligence Vendor-01/06/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-11/21/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||||
| 853231 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-21 11:13 | 2026-01-06 14:56 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. please see attached and comments - Due Diligence Vendor-01/06/2026 Open-Income 1 Months Income Verified is Missing - Due Diligence Vendor-11/21/2025 |
Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/06/2026 |
853231_xxxxxx_Paystubs.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853231 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2025-11-24 10:10 | 2025-12-13 09:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds AUS LTV | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited LTV of 80% exceeds AUS LTV of 70% max - Due Diligence Vendor-12/13/2025 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines - Due Diligence Vendor-12/12/2025 Open-Audited LTV of 80% exceeds AUS LTV of 70% max ltv/ cltv. hcltv per guidelines is 70%. need exception to go to 80% . also listed on 1008. no exception in file - Due Diligence Vendor-11/24/2025 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited LTV of 80% exceeds AUS LTV of 70% max - Due Diligence Vendor-12/13/2025 |
DTI <= 36% which is below requirement in guidelines Reserves exceed requirement by 10 months or more Residual income more than 2.5x the amount required by guidelines |
Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines Compensating Factor 2 - Reserves exceed requirement by 10 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 | Originator Post-Close | No | xxxxxx | |||
| 853230 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-11-21 01:01 | 2025-12-10 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/10/2025 |
Full Review853230_xxxxxx_12_8_2025_42445_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853230 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-11-21 01:01 | 2025-12-10 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | 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-12/10/2025 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-12/09/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/10/2025 |
853230_xxxxxx_VVOE_business_license.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853229 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2025-11-23 23:56 | 2025-12-15 09:33 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-12/15/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/12/2025 Open-ARM Disclosure is Missing - Due Diligence Vendor-11/24/2025 |
Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-12/15/2025 |
853229_xxxxxx_ARM_Disclosure-xxxxxx.pdf | 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 | ||||
| 853229 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2025-11-23 23:56 | 2025-12-15 09:33 | Resolved | 1 - Information | C | A | Compliance | TRID | CHARM Booklet is Missing | Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-12/15/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/12/2025 Open-CHARM Booklet is Missing - Due Diligence Vendor-11/24/2025 |
Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-12/15/2025 |
853229_xxxxxx_Consumer_Handbook_on_Adjustable-Rate_Mortgages-xxxxxx.pdf | 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 | ||||
| 853249 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2025-11-21 02:34 | 2026-01-13 14:40 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Missing GAP report dated 10 business days prior to loan closing - Due Diligence Vendor-01/13/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. 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 - Due Diligence Vendor-01/13/2026 Counter-Document Uploaded. Per xxxxxx: 300.07.03 Credit xxxxxx - xxxxxx requires a “xxxxxx” credit report within 10 business days prior to loan closing. Please review requirements under xxxxxx Correspondent Underwriting Guidelines/Re-verification of Credit Prior to Closing (Gap Report) for all details. - Due Diligence Vendor-01/04/2026 Ready for Review-we do not pull gap reports on portfolio loans. The investor is referencing guidelines for a different product (a correspondent jumbo product with xxxxxx). We utilize a debt monitoring service to check for undisclosed debts The Drive Report by Data Verify - Due Diligence Vendor-01/02/2026 Counter-Per Guidelines: xxxxxx” credit report within 10 business days prior to loan closing. Note is dated xxxxxx - Due Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/22/2025 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & 2 Gap Credit Report is Missing Cap Fed requires a “xxxxxx” credit report within 10 business days prior to loan closing. Please review requirements under xxxxxx Correspondent Underwriting Guidelines/Re-verification of Credit Prior to Closing (Gap Report) for all details. - Due Diligence Vendor-11/21/2025 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Missing GAP report dated 10 business days prior to loan closing - Due Diligence Vendor-01/13/2026 |
DTI <= 36% which is below requirement in guidelines Reserves exceed requirement by 6 months or more Residual income more than 2.5x the amount required by guidelines |
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 |
853249_xxxxxx_Credit_Report-_xxxxxx.pdf Screenshot 2026-01-04 083120.jpg |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | ||
| 853249 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2025-11-21 16:05 | 2025-12-24 13:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/24/2025 Open-Borrower 1 CPA Letter Missing Borrower 1 & 2 CPA Letter Missing - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/24/2025 |
853249_xxxxxx.pdf | 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 | ||||
| 853249 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2025-12-04 09:49 | 2025-12-13 10:09 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-12/12/2025 Open-CU score is 4.5. Provide 3rd party valuation. - Due Diligence Vendor-12/04/2025 |
Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 |
Full Review853249_xxxxxx_12_12_2025_110916_AM.zip | 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 | ||||
| 853250 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2025-11-21 16:38 | 2026-08-27 14:14 | Waived | 2 - Non-Material | C | B | Compliance | TRID | ARM Disclosure is Missing | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-Client agrees to accept xxxxxx - Due Diligence Vendor-01/15/2026 Ready for Review- The investor agrees to accept xxxxxx, SOL 1yrs and will expire on xxxxxx. Please add to securitization tape - Due Diligence Vendor-01/13/2026 Counter-SOL on a xxxxxx purchase is: action must be brought before the 1st anniversary. this will expired xxxxxx. xxxxxx - Due Diligence Vendor-01/07/2026 Ready for Review-What is the SOL (statue of limitation) for this? - Due Diligence Vendor-01/02/2026 Counter-Documentation provided is missing TRID disclosures and TRID history. ---- Please provide all TRID disclosure, and all program discloses as required under Reg Z disclosure requirements § 1026.19(b). - Due Diligence Vendor-12/15/2025 Ready for Review-Loan is missing the ARM disclosure but the CHARM booklet was sent on this one. Will this be accepted in its place? - Due Diligence Vendor-12/12/2025 Open-ARM Disclosure is Missing - Due Diligence Vendor-11/24/2025 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-Client agrees to accept xxxxxx - Due Diligence Vendor-01/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.02 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Residual income is over 2x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 853250 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2025-11-24 15:25 | 2025-12-18 09:32 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE & xxxxxx RLE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/17/2025 Open-******Documentation provided does not contain the LEs. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-11/24/2025 |
Resolved-ILE & xxxxxx RLE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025 |
Full Review853250_xxxxxx_12_16_2025_50945_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853252 | 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 | |||||||||||||||||||
| 853253 | 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 | |||||||||||||||||||
| 853255 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-11-21 00:16 | 2026-01-12 11:05 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-01/12/2026 Ready for Review-Document Uploaded. please see attachment - Due Diligence Vendor-01/09/2026 Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-11/21/2025 |
Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-01/12/2026 |
Borrower 1 Paystubs Less Than 1 Month Provided | 853255_xxxxxx-LOE.pdf 853255_xxxxxx_1_07.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 853255 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2025-11-21 02:39 | 2025-12-24 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Subordination Agreement is Missing | Resolved-Subordination Agreement is Present - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/24/2025 Counter-the condition is for Missing Subordination Agreement - Due Diligence Vendor-12/13/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/12/2025 Open-Missing Subordination Agreement - Due Diligence Vendor-11/21/2025 |
Resolved-Subordination Agreement is Present - Due Diligence Vendor-12/24/2025 |
853255_xxxxxx_Subordination_Agreement-xxxxxx.pdf 853255_xxxxxx_Sep_12_Doc_7.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853256 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-11-21 02:38 | 2025-12-24 14:11 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/24/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-11/21/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/24/2025 |
853256_xxxxxx_2025-04-14_xxxxxx_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 853256 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-12-10 09:17 | 2025-12-13 10:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided. - Due Diligence Vendor-12/13/2025 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-12/12/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. xxxxxx - Due Diligence Vendor-12/10/2025 |
Resolved-PDI provided. - Due Diligence Vendor-12/13/2025 |
Full Review853256_xxxxxx_12_11_2025_44229_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 853256 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2025-11-21 04:54 | 2025-12-10 09:18 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025 Ready for Review-Document Uploaded. Please see attached CDA - Due Diligence Vendor-12/09/2025 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) - Due Diligence Vendor-11/21/2025 |
Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025 |
Full Review853256_xxxxxx_12_8_2025_40926_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 853257 | 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 | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 853258 | 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 | Second Home | Purchase | NA | |||||||||||||||||||
| 853261 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2025-11-21 07:04 | 2025-12-22 12:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/22/2025 Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-12/22/2025 Open-Asset 2 Does Not Meet Guideline Requirements Settlement statement showing the credit after the sale of the non subject property of xxxxxx then needs documentation showing either the funds were wired towards closing proceeds on this loan, or were deposited into an account, to show closing occurred and the funds actually exist and are/were accessible - Due Diligence Vendor-11/21/2025 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/22/2025 |
853261_xxxxxx_Assets-_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 853254 | 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 | |||||||||||||||||||
| 857937 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-20 14:48 | 2026-02-20 12:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/05/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-01/20/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.59 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.68% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
Full Review857937_xxxxxx_2_4_2026_33230_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857937 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-02-06 14:55 | 2026-02-20 12:38 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/19/2026 Open-Construction to Perm Loan - Builders policy states Effective date as xxxxxx however the closing for the subject property is xxxxxx - Missing Prior Builders Policy. Need proof that builder that builder had insurance on property at time of closing and through owner taking possession of property. We have the latter but don't see coverage between xxxxxx. - Due Diligence Vendor-02/06/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.59 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.68% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
Full Review857937_xxxxxx_2_19_2026_91334_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857938 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-01-23 11:38 | 2026-01-23 11:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client exception granted with compensating factorsAudited FICO of 717 is less than Guideline FICO of 720 Page 935 Lender exception for 3 point less than needed FICO score - Due Diligence Vendor-01/23/2026 | Waived- Client exception granted with compensating factorsAudited FICO of 717 is less than Guideline FICO of 720 Page 935 Lender exception for 3 point less than needed FICO score - Due Diligence Vendor-01/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.52 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.09 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 857938 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-01-23 11:38 | 2026-01-23 11:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsAudited DTI of 51.23% exceeds Guideline DTI of 43% Lender exception - Due Diligence Vendor-01/23/2026 | Waived- Client exception granted with compensating factorsAudited DTI of 51.23% exceeds Guideline DTI of 43% Lender exception - Due Diligence Vendor-01/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.52 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.09 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months |
eventual sale of departing residence will lower DTI | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | |||
| 857939 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-02-06 15:00 | 2026-02-13 19:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Evidence builder policy was in place prior to disbursements provided - Due Diligence Vendor-02/14/2026 Ready for Review-Document Uploaded. Builders risk insurance is not required to be in place at the time of closing as construction does not begun, Builders risk is something the builder provides as part of their xxxxxx (screenshot below). Builder Risk insurance is required prior to the 1st draw advancement post-closing. Ive also attached the draw ticket for the 1st draw performed on xxxxxx, which is after the Builders risk was in place xxxxxx. - Due Diligence Vendor-02/13/2026 Open-Construction to Perm Loan - Builders policy states Effective date as xxxxxx however the closing for the subject property is xxxxxx - Missing Prior Builders Policy. Need proof that builder that builder had insurance on property at time of closing and through owner taking possession of property. We have the latter but don't see coverage between xxxxxx. - Due Diligence Vendor-02/06/2026 |
Resolved-Evidence builder policy was in place prior to disbursements provided - Due Diligence Vendor-02/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.82 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review857939_xxxxxx_2_12_2026_11414_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857939 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-01-27 15:38 | 2026-02-13 19:02 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-02/14/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/13/2026 Open-Satisfactory 3rd party valuation review needed as neither CU or LCA were satisfactory. - Due Diligence Vendor-01/27/2026 |
Resolved-Desk review provided - Due Diligence Vendor-02/14/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.82 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
857939_xxxxxx_857939_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857939 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-01-20 19:06 | 2026-02-06 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/05/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-01/21/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.82 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review857939_xxxxxx_2_4_2026_24102_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857941 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-22 04:16 | 2026-02-13 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Unexpired ID provided - Due Diligence Vendor-02/13/2026 Counter-The Drivers License provided for B1 (xxxxxx xxxxxx) expired on xxxxxx and the xxxxxx form also provided is not filled out. - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/10/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing identification documentation - Due Diligence Vendor-01/23/2026 |
Resolved-Unexpired ID provided - Due Diligence Vendor-02/13/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review857941_xxxxxx_2_10_2026_112308_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857941 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-06 13:26 | 2026-02-13 12:05 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Builders risk policy provided - Due Diligence Vendor-02/13/2026 Counter-Need proof that builder that builder had insurance on property at time of closing and through owner taking possession of property. We have the latter but dont see coverage between xxxxxx. - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/12/2026 Open-Construction to Perm Loan - Builders policy states Effective date as xxxxxx however the closing for the subject property is xxxxxx - Missing Prior Builders Policy. Need proof that builder that builder had insurance on property at time of closing and through owner taking possession of property. We have the latter but dont see coverage between xxxxxx. - Due Diligence Vendor-02/06/2026 |
Resolved-Builders risk policy provided - Due Diligence Vendor-02/13/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
857941_xxxxxx_Builder's_Risk.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857941 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-22 04:16 | 2026-02-11 12:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Valid Drivers License provided. - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/10/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Missing identification documentation - Due Diligence Vendor-01/23/2026 |
Resolved-Valid Drivers License provided. - Due Diligence Vendor-02/11/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review857941_xxxxxx_2_10_2026_112312_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857941 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-22 21:15 | 2026-02-06 13:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/04/2026 Open-Missing Hazard Insurance Policy Missing hazard insurance policy after completion of home. - Due Diligence Vendor-01/23/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review857941_xxxxxx_2_3_2026_41836_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857941 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-22 04:44 | 2026-01-28 01:24 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program 906, page 1470, 815 lender exception for rural property - Due Diligence Vendor-01/28/2026 | Waived- Client exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program 906, page 1470, 815 lender exception for rural property - Due Diligence Vendor-01/28/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.46% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | ||||
| 857942 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-01-22 00:00 | 2026-08-27 14:03 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk Review provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/13/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.7) - Due Diligence Vendor-01/22/2026 |
Resolved-Desk Review provided - Due Diligence Vendor-02/13/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.72% Is Less Than The Guideline Maximum Of 47% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.57 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
857942_xxxxxx_857942_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857942 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-01-22 05:41 | 2026-02-27 17:02 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Waived-xxxxxx is located in xxxxxx - xxxxxx - Due Diligence Vendor-02/27/2026 Counter-xxxxxx until SOL date of xxxxxx - Due Diligence Vendor-02/13/2026 Ready for Review-I've seen this type of compliance condition as an xxxxxx previously. Should it be an xxxxxx? If it's truly an xxxxxx, please provide the SOL. - Due Diligence Vendor-02/11/2026 Counter-**Received execute NORTC in the H8 form for refinance with new creditor. Subject loan is a refinance with same lender, the lender should use H9 NORTC form. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/06/2026 Open-Right of Rescission is Missing - Due Diligence Vendor-01/22/2026 |
Waived-xxxxxx is located in xxxxxx - Due Diligence Vendor-02/27/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.72% Is Less Than The Guideline Maximum Of 47% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.57 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
857942_xxxxxx_Notice_of_Right_to_Cancel.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx | |||
| 857942 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-01-22 05:48 | 2026-02-09 15:30 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received Initial and Revised Les - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/06/2026 Open-******Documentation provided does not contain the Initial Loan Estimate is Missing. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/22/2026 |
Resolved-Received Initial and Revised Les - Due Diligence Vendor-02/09/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.99 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.72% Is Less Than The Guideline Maximum Of 47% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.57 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Full Review857942_xxxxxx_32613_PM.zip 857942_xxxxxx_Disclosure_Tracking.pdf 857942_xxxxxx_LE_xxxxxx.pdf 857942_xxxxxx_LE_xxxxxx.pdf 857942_xxxxxx_LE_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 857945 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-02-13 20:02 | 2026-03-04 21:28 | Resolved | 1 - Information | C | A | Credit | Title | Borrower's Name on Title Doesn't Match Deed Of Trust | Resolved-Evidence of current vesting provided - Due Diligence Vendor-03/05/2026 Counter-Missing evidence of quit claim deed, recorded AKA, or correction affidavit to match. the current vesting name differs from the executed Deed of Trust. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached Lucid report reflecting the borrower/vested name matching the DOT - Due Diligence Vendor-02/27/2026 Open-Title search resulted in current vesting name that differs from the executed Deed of Trust. Most recent filing for "xxxxxx, a Single Person" Missing evidence of quit claim deed, recorded AKA, or correction affidavit to match. - Due Diligence Vendor-02/14/2026 |
Resolved-Evidence of current vesting provided - Due Diligence Vendor-03/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.36 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.8% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
Full Review857945_xxxxxx_2_27_2026_115337_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857945 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-01-20 16:28 | 2026-02-06 15:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/05/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing hazard insurance on xxxxxx. Current policy appears to be based on xxxxxx that was removed. - Due Diligence Vendor-01/20/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.36 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.8% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
Full Review857945_xxxxxx_2_4_2026_33411_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857945 | xxxxxx | C | B | C | B | A | A | A | A | Closed | xxxxxx | 2026-01-20 17:13 | 2026-01-28 02:34 | Waived | 2 - Non-Material | B | B | Credit | Income | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Waived- Client exception granted with compensating factorsBorrower 1 Business Tax Returns Less Than 24 Months Provided Lender exception 1202 - Due Diligence Vendor-01/20/2026 | Waived- Client exception granted with compensating factorsBorrower 1 Business Tax Returns Less Than 24 Months Provided Lender exception 1202 - Due Diligence Vendor-01/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.36 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.8% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | ||||
| 857946 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-02-06 15:22 | 2026-03-09 12:23 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived- Client exception granted with compensating factorsclient exception granted to waive evidence of builders policy; loan has converted to perm financing and is sufficiently insured. - Due Diligence Vendor-03/09/2026 Counter-Missing Prior Builders Policy or Bwr's Prior Policy to Closing date xxxxxx - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/19/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Construction to Perm Loan - Builders policy states Effective date as xxxxxx however the closing for the subject property is xxxxxx - Missing Prior Builders Policy or Bwr's Prior Policy to Closing date - Due Diligence Vendor-02/06/2026 |
Waived- Client exception granted with compensating factorsclient exception granted to waive evidence of builders policy; loan has converted to perm financing and is sufficiently insured. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 688 is Greater Than The Guideline Minimum Of 660 By Ten (10) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.13 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Full Review857946_xxxxxx_2_19_2026_91708_AM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |||
| 857946 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-21 02:56 | 2026-02-06 15:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/05/2026 Open-Missing Hazard Insurance Policy Hazard Insurance Policy Not Provided - Due Diligence Vendor-01/21/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 |
Full Review857946_xxxxxx_2_4_2026_33431_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 857947 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-02-13 19:51 | 2026-03-09 12:20 | Waived | 2 - Non-Material | C | B | Credit | Title | Borrower's Name on Title Doesn't Match Deed Of Trust | Waived- Client exception granted with compensating factorsclient waived evidence of removal of NBS from vesting, deemed immaterial. - Due Diligence Vendor-03/09/2026 Counter-The condition is for Missing quit claim deed removing non-borrowing spouse. as the current Title search resulted in Last deed is recorded as "xxxxxx, a single man. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/24/2026 Open-Title search resulted in vesting that does not match Deed of Trust. Last deed is recorded as "xxxxxx, a single man". Missing quit claim deed removing non-borrowing spouse. - Due Diligence Vendor-02/14/2026 |
Waived- Client exception granted with compensating factorsclient waived evidence of removal of NBS from vesting, deemed immaterial. - Due Diligence Vendor-03/09/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.81% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
857947_xxxxxx_DOT.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | |||
| 857947 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-02-13 19:44 | 2026-03-06 18:33 | Resolved | 1 - Information | C | A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Evidence of no delinquent taxes is present. - Due Diligence Vendor-03/06/2026 Open-Document Uploaded. SiteX report doesn't identify any delinquent taxes. - Buyer-03/06/2026 Open-Tax search resulted in delinquent property tax lien of xxxxxx. Missing evidence taxes have been paid and are current. - Due Diligence Vendor-02/14/2026 |
Resolved-Evidence of no delinquent taxes is present. - Due Diligence Vendor-03/06/2026 |
B47661667.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 857947 | xxxxxx | C | B | C | B | C | A | A | A | Closed | xxxxxx | 2026-01-20 16:01 | 2026-02-13 19:09 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Evidence of adequate coverage for xxxxxx in place at time of conversion to perm loan provided. reduced coverage was active during the time of construction based on rebuild costs. - Due Diligence Vendor-02/14/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/13/2026 Counter-The current hazard insurance coverage of xxxxxx falls short of the required minimum coverage amount of $xxxxxx. Missing replacement cost estimator - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/05/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $1144000 Insufficient Hazard Insurance Coverage & Missing Replacement Cost Estimator: The current hazard insurance coverage of xxxxxx falls short of the required minimum coverage amount of $1,144,000. Additionally, the replacement cost estimator has not been provided." - Due Diligence Vendor-01/20/2026 |
Resolved-Evidence of adequate coverage for xxxxxx in place at time of conversion to perm loan provided. reduced coverage was active during the time of construction based on rebuild costs. - Due Diligence Vendor-02/14/2026 |
Full Review857947_xxxxxx_2_4_2026_24124_PM.zip Full Review857947_xxxxxx_2_12_2026_125445_PM.zip |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 857949 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-01-21 06:04 | 2026-02-24 08:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/04/2026 Open-Missing Hazard Insurance Policy Hazard Insurance Policy Missing: The invoice is available in the file, but the actual policy is not. Please provide the policy - Due Diligence Vendor-01/21/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/06/2026 |
Full Review857949_xxxxxx_2_3_2026_42025_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 857949 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-06 13:46 | 2026-02-24 08:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Please see attached policy effective xxxxxx - Due Diligence Vendor-02/19/2026 Counter-The Builders Policy for coverage between xxxxxx is missing - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-02/10/2026 Open-Construction to Perm Loan - Builders policy states Effective date as xxxxxx however the closing for the subject property is xxxxxx - Missing Prior Builders Policy - Need proof that builder that builder had insurance on property at time of closing and through owner taking possession of property. We have the latter but dont see coverage between xxxxxx. - Due Diligence Vendor-02/06/2026 |
Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/20/2026 |
Full Review857949_xxxxxx_2_10_2026_112923_AM.zip 857949_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 857949 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-02-06 14:45 | 2026-02-24 08:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Attaching again - xxxxxx policy. - Due Diligence Vendor-02/23/2026 Counter-Please provide prior policy effective xxxxxx - Due Diligence Vendor-02/20/2026 Ready for Review-Please see attached policy effective xxxxxx - Due Diligence Vendor-02/20/2026 Counter-Provided RCE for Bwr's HOI Policy as the additional replacements coverage + dwellings amount is not sufficient coverage. total dwelling coverage is xxxxxx is less than the minimum required coverage amount of $1,249,500. - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-02/10/2026 Open-Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $1,249,500 Provided RCE for Bwr's HOI Policy as the additional replacements coverage + dwellings amount is not sufficient coverage - Due Diligence Vendor-02/06/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/24/2026 |
Full Review857949_xxxxxx_2_10_2026_112930_AM.zip 857949_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 857949 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-01-26 15:39 | 2026-02-11 16:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-**Received explanation - Due Diligence Vendor-02/11/2026 Ready for Review-counter: We do not collect escrows on the construction phase loan - Due Diligence Vendor-02/10/2026 Counter-**Received explanation that escrows were not waived. Final CD does not show taxes/insurance in escrow, Initial Escrow Account Disclosure Statement in the file indicates $0.00, and Escrow Account section in page 4 of the Final CD indicates the loan will have an escrow account. Lender to clarify. - Due Diligence Vendor-02/05/2026 Ready for Review-there is no escrow waiver on this loan, escrow was not waived - Due Diligence Vendor-02/04/2026 Open-Escrow Waiver is Missing - Due Diligence Vendor-01/26/2026 |
Resolved-**Received explanation - Due Diligence Vendor-02/11/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||||
| 857949 | xxxxxx | D | A | D | A | D | A | A | A | Closed | xxxxxx | 2026-01-21 12:29 | 2026-02-05 08:15 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-**Received Revised LE - Due Diligence Vendor-02/05/2026 Resolved- - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/04/2026 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. **Lender to provide rate lock documentation and revised LE issued within 3 business days of the rate lock date., - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-**Received Revised LE - Due Diligence Vendor-02/05/2026 |
Full Review857949_xxxxxx_2_3_2026_42032_PM.zip 857949_xxxxxx_Loan_Estimate_6-28.pdf 857949_xxxxxx_Disclosure_Tracking_Reasons_(LE).pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 857950 | xxxxxx | D | A | D | A | D | A | C | A | Closed | xxxxxx | 2026-01-22 11:55 | 2026-02-05 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-evidence of income provided - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-02/04/2026 Open-Borrower1 Bonus income is used however document to verify 2024 bonus is missing. - Due Diligence Vendor-01/22/2026 |
Resolved-evidence of income provided - Due Diligence Vendor-02/05/2026 | 857950_xxxxxx-income.pdf | 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 | ||||
| 857950 | xxxxxx | D | A | D | A | D | A | C | A | Closed | xxxxxx | 2026-01-21 19:53 | 2026-02-05 10:20 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/04/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-01/22/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/05/2026 |
857950_xxxxxx-final_insp.pdf | 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 | ||||
| 857950 | xxxxxx | D | A | D | A | D | A | C | A | Closed | xxxxxx | 2026-01-23 06:17 | 2026-02-05 09:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | xxxxxx F2 Notice for Home Equity Disclosure is Missing | Resolved-N/A - Due Diligence Vendor-02/05/2026 Open-xxxxxx F2 Notice for Home Equity Disclosure is Missing - Due Diligence Vendor-01/28/2026 |
Resolved-N/A - Due Diligence Vendor-02/05/2026 |
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 | |||||
| 857952 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-20 23:42 | 2026-08-27 11:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/04/2026 Open-Purchase Contract Is Missing The purchase contract was not located in the file at the time of review. - Due Diligence Vendor-01/27/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/05/2026 |
857952_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857953 | xxxxxx | D | B | D | B | A | A | D | A | Closed | xxxxxx | 2026-02-13 20:08 | 2026-03-06 13:44 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Property Report & Title Policy provided. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. See attached SiteX report reflecting the subject lien - Buyer-03/06/2026 Ready for Review-Document Uploaded. see attached FTP - Due Diligence Vendor-03/06/2026 Open-Title search resulted in evidence of a missing lien held by the subject property and subject loan. Missing evidence of lien transfer after the death of the borrower. - Due Diligence Vendor-02/14/2026 |
Resolved-Property Report & Title Policy provided. - Due Diligence Vendor-03/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.1 | 857953_xxxxxx_Title_Policy.pdf B47661332.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857953 | xxxxxx | D | B | D | B | A | A | D | A | Closed | xxxxxx | 2026-02-13 20:05 | 2026-03-04 21:32 | Waived | 2 - Non-Material | C | B | Credit | Closing | Property taxes are not current or unable to be determined. | Waived- Client exception granted with compensating factorsClient exception waived with compensating factors - taxes due are on land only, improvements are not yet due. - Due Diligence Vendor-03/05/2026 Open-Tax search resulted in delinquent property tax lien of xxxxxx. Missing evidence taxes have been paid and are current. - Due Diligence Vendor-02/14/2026 |
Waived- Client exception granted with compensating factorsClient exception waived with compensating factors - taxes due are on land only, improvements are not yet due. - Due Diligence Vendor-03/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.91 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||||
| 857953 | xxxxxx | D | B | D | B | A | A | D | A | Closed | xxxxxx | 2026-01-21 09:12 | 2026-02-06 10:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/05/2026 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Mortgage Insurance has been applied for, but Mortgage Insurance Cert is missing from file. - Due Diligence Vendor-01/21/2026 |
Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-02/06/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.1 | 857953_xxxxxx_Commitment_Certificate_Document.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 857954 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-01-27 07:49 | 2026-02-04 08:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. please see attached PDI - Due Diligence Vendor-02/04/2026 Open-FEMA Declared Disaster Dated Post Note Date, After Appraisal Date, Prior to Bulk sale. - Due Diligence Vendor-01/27/2026 |
Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-02/04/2026 |
857954_xxxxxx_857954_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857955 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-01-27 10:31 | 2026-02-13 18:58 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/13/2026 Open-Appraisals with a CU risk score greater than 2 will require an appraisal review. - Due Diligence Vendor-01/27/2026 |
Resolved-Desk review provided - Due Diligence Vendor-02/13/2026 |
857955_xxxxxx_857955_RDA.pdf | 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 | ||||
| 857955 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-01-21 07:31 | 2026-02-06 10:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/05/2026 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Mortgage Insurance is require, but Mortgage Insurance Cert is missing from loan file. - Due Diligence Vendor-01/21/2026 |
Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-02/06/2026 |
857955_xxxxxx_NMI_MI-Commitment_100424_104907_(1).pdf | 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 | ||||
| 857955 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-01-21 07:08 | 2026-02-06 10:26 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/06/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. Policy in file reflects coverage of xxxxxx plus an additional 25% coverage only. - Due Diligence Vendor-01/21/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/06/2026 |
857955_xxxxxx_home_rce.pdf | 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 | ||||
| 857956 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-01-27 13:15 | 2026-02-17 08:12 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/17/2026 Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/27/2026 |
Resolved-Desk review provided - Due Diligence Vendor-02/17/2026 |
857956_xxxxxx_857956_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857956 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-01-27 07:46 | 2026-02-04 08:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. Please see attached PDI - Due Diligence Vendor-02/04/2026 Open-FEMA Declared Disaster Dated Post Note Date, After Appraisal Date, Prior to Bulk sale. - Due Diligence Vendor-01/27/2026 |
Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-02/04/2026 |
857956_xxxxxx_857956_R84572_-_PDF.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857957 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-01-21 10:46 | 2026-02-10 09:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received ILE and Revised LE - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-02/10/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/06/2026 Open-******Documentation provided does not contain the_ Initial Loan Estimate is Missing .Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/21/2026 |
Resolved-**Received ILE and Revised LE - Due Diligence Vendor-02/10/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review857957_xxxxxx_2_5_2026_42409_PM.zip 857957_xxxxxx_LE_xxxxxx.pdf 857957_xxxxxx_Disclosure_Tracking.pdf 857957_xxxxxx_LE.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 857958 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-27 10:51 | 2026-02-11 12:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PDI provided stating, No apparent damage. The property was inspected due to the xxxxxx disaster - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached PDI - Due Diligence Vendor-02/10/2026 Open-FEMA Declared Disaster Dated Post Note Date, After Appraisal Date, Prior to Bulk sale. - Due Diligence Vendor-01/27/2026 |
Resolved-PDI provided stating, No apparent damage. The property was inspected due to the xxxxxx disaster - Due Diligence Vendor-02/11/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
857958_xxxxxx_V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 857960 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-01-27 17:28 | 2026-02-13 18:54 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/13/2026 Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/27/2026 |
Resolved-Desk review provided - Due Diligence Vendor-02/13/2026 |
857960_xxxxxx_857960_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857960 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-01-27 13:10 | 2026-02-13 18:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-Clear PDI provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/13/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster #xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/27/2026 |
Resolved-Clear PDI provided - Due Diligence Vendor-02/13/2026 |
857960_xxxxxx_V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857960 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-01-21 17:23 | 2026-02-05 10:57 | Waived | 2 - Non-Material | B | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Waived-**Inv. accepts finding as an xxxxxx. - Due Diligence Vendor-02/05/2026 Ready for Review-If this is truly and xxxxxx compliance condition, please complete the condition as xxxxxx is ok with xxxxxx compliance. - Due Diligence Vendor-02/04/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-01/22/2026 |
Waived-**Inv. accepts finding as an xxxxxx. - Due Diligence Vendor-02/05/2026 |
Residual income is over 2.5x the guideline minimum Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||||
| 857961 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-27 14:28 | 2026-02-11 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating, has no apparent damage - Due Diligence Vendor-02/11/2026 Ready for Review-Document Uploaded. Please see attached PDI - Due Diligence Vendor-02/10/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-01/27/2026 |
Resolved-PDI provided stating, has no apparent damage - Due Diligence Vendor-02/11/2026 |
857961_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857962 | xxxxxx | C | B | B | B | A | A | C | A | Closed | xxxxxx | 2026-01-21 17:21 | 2026-02-13 18:47 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk Review provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/13/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.5) - Due Diligence Vendor-01/21/2026 |
Resolved-Desk Review provided - Due Diligence Vendor-02/13/2026 |
857962_xxxxxx_857962_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857962 | xxxxxx | C | B | B | B | A | A | C | A | Closed | xxxxxx | 2026-01-27 17:07 | 2026-01-27 17:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsAudited Reserves of 3.75 are less than AUS Required Reserves of 6 Audited Reserves of $27,500 are less than AUS Required Reserves of $44,044.86. 1008 noted there was an exception to allow earnest added to reserves, per page 677 - Due Diligence Vendor-01/27/2026 | Waived- Client exception granted with compensating factorsAudited Reserves of 3.75 are less than AUS Required Reserves of 6 Audited Reserves of $27,500 are less than AUS Required Reserves of $44,044.86. 1008 noted there was an exception to allow earnest added to reserves, per page 677 - Due Diligence Vendor-01/27/2026 |
0x30x24 Credit History Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 857963 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-01-22 05:49 | 2026-02-12 14:38 | Waived | 2 - Non-Material | B | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Waived-**lender and investor accept xxxxxx finding. - Due Diligence Vendor-02/12/2026 Ready for Review-This is reflected as a compliance xxxxxx, which xxxxxx is ok with. Please complete the condition if it's truly an xxxxxx. - Due Diligence Vendor-02/11/2026 Counter-**Received evidence document was completed in lender's system but that it is missing from the package sent to the borrower. Lender to confirm if document was sent to the borrower. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/05/2026 Open-Homeownership Counseling Disclosure Is Missing Homeownership Counseling Disclosure document is missing in the loan package - Due Diligence Vendor-01/22/2026 |
Waived-**lender and investor accept xxxxxx finding. - Due Diligence Vendor-02/12/2026 |
Residual income is over 2.5x the guideline minimum Property has $7,000 in additional equity not included in qualifying LTV between purchase price of $xxxxxx and Appraisal value of $xxxxxx; Appraised value is supported by a viable CU |
Full Review857963_xxxxxx_2_4_2026_30633_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 857963 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-01-22 02:15 | 2026-02-06 10:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 5.13 are less than AUS Required Reserves of 6 - Due Diligence Vendor-02/06/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/05/2026 Open-Audited Reserves of 5.13 are less than AUS Required Reserves of 6 Total Liquid Assets Available For Close $31,781.89 6 mos piti for reserves at 5773.83 x6= 34643.04 Total Reserve Amount Shortage -$5,043.15 - Due Diligence Vendor-01/28/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 5.13 are less than AUS Required Reserves of 6 - Due Diligence Vendor-02/06/2026 |
Credit Score 10 points > minimum required Residual income more than 2.5x the amount required by guidelines |
Compensating Factor 1 - Credit Score 10 points > minimum required 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 | Originator Post-Close | No | xxxxxx | |||
| 857964 | 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 | |||||||||||||||||||
| 857965 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-21 14:05 | 2026-08-27 11:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/04/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-01/21/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
857965_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 857966 | 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 | |||||||||||||||||||
| 857968 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-22 02:40 | 2026-08-27 11:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-02/04/2026 Open-Purchase Contract Is Missing in file - Due Diligence Vendor-01/22/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-02/05/2026 |
857968_xxxxxx-purchae_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857968 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-01-22 02:46 | 2026-02-09 14:44 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/09/2026 Ready for Review-Document Uploaded. please find the insurance coverage policy, coverage is more than our loan amount - Due Diligence Vendor-02/09/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx The current hazard insurance policy reflects coverage of xxxxxx, which is just below the minimum required amount of $xxxxxx. In addition, a Replacement Cost Estimator was not provided. - Due Diligence Vendor-01/22/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/09/2026 |
857968_xxxxxx_Insurance_02.05.2026.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857969 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-01-22 01:58 | 2026-08-26 19:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/06/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Please provide a Verification of Employment (VOE) dated within 10 business days of the Note date to confirm the current business status. - Due Diligence Vendor-01/22/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/06/2026 |
857969_xxxxxx_MergedDocument.pdf 857969_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857969 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-01-22 05:02 | 2026-02-19 15:46 | Waived | 2 - Non-Material | C | B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived- Client exception granted with compensating factorsSOL date of xxxxxx - SOL has expired - Due Diligence Vendor-02/19/2026 Ready for Review-Please provide the SOL on this. - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-01/29/2026 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. Revised CD is missing Within 3 business of Rate lock date. Rate Lock date is xxxxxx. Please provide a Revised CD covering 3 business days of the Rate Lock date. - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 |
Waived- Client exception granted with compensating factorsSOL date of xxxxxx - SOL has expired - Due Diligence Vendor-02/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months 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 | Originator Pre-Close | Yes | xxxxxx | ||||
| 857969 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-01-22 01:30 | 2026-02-13 18:27 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-02/13/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-02/13/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.6) Please provide a Desk Review report for the subject property located at xxxxxx - Due Diligence Vendor-01/22/2026 |
Resolved-Desk review provided - Due Diligence Vendor-02/13/2026 |
857969_xxxxxx_857969_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857970 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-29 11:05 | 2026-02-06 10:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 5.82 are less than AUS Required Reserves of 6 - Due Diligence Vendor-02/06/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/05/2026 Open-Audited Reserves of 5.82 are less than AUS Required Reserves of 6 Audited Reserves of $30675..37 are less than AUS Required Reserves of $31,0602.84 - Due Diligence Vendor-01/29/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 5.82 are less than AUS Required Reserves of 6 - Due Diligence Vendor-02/06/2026 |
DTI <= 40% which is below requirement in guidelines Residual income more than 1.5x the amount required by guidelines |
Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 857970 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-01-29 10:27 | 2026-02-04 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-02/04/2026 Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-02/04/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/29/2026 |
Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-02/04/2026 |
857970_xxxxxx_857970_xxxxxx-xxxxxx,_xxxxxx_V1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 857971 | xxxxxx | C | A | A | A | A | A | C | A | Closed | xxxxxx | 2026-01-20 22:05 | 2026-02-17 07:36 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Reattached...Please see CDA - Due Diligence Vendor-02/17/2026 Counter-No attachment provided - Due Diligence Vendor-02/13/2026 Ready for Review-See attached CDA (no attachment provided) - Due Diligence Vendor-02/13/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.6). - Due Diligence Vendor-01/21/2026 |
Resolved-Desk review provided - Due Diligence Vendor-02/17/2026 |
857971_xxxxxx_857971_RDA.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 855844 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-13 22:42 | 2026-02-25 13:41 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/24/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) CU Score Is Greater Than 2.5 , However A Third Party Valuation Product Was Not Provided - Due Diligence Vendor-02/14/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
855844_xxxxxx_855844_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855844 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-13 21:12 | 2026-02-24 06:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. xxxxxx - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-02/14/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/24/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
855844_xxxxxx_855844-xxxxxx-CIP_B2-10014498.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855844 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-13 21:12 | 2026-02-24 06:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. xxxxxx - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-02/14/2026 |
Resolved-Evidence provided - Due Diligence Vendor-02/24/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
855844_xxxxxx_855844-xxxxxx-DL_B1-10014498.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855844 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-16 05:03 | 2026-02-19 09:47 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855846 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-16 15:23 | 2026-02-21 11:36 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - 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 $75.00.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-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855846 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-16 15:23 | 2026-02-21 11:36 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-*******The following charges have been either added or increased: appraisal resulting in a 0% tolerance cure in the amount of $75.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $75.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855846 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-16 15:23 | 2026-02-21 11:36 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-*******The following charges have been either added or increased: appraisal resulting in a 0% tolerance cure in the amount of $75.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $75.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855846 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-20 16:34 | 2026-02-21 11:36 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-Right To Choose Attorney or Attorney Preference Not In File ****** Please provide entire initial disclosure package for review - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsOutside.xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855846 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-20 16:34 | 2026-02-20 16:35 | 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- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855847 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-13 20:24 | 2026-02-26 22:29 | Resolved | 1 - Information | C | A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Taxes not overdue at time of trade, payable taxes resulting from tax search are deemed immaterial - Due Diligence Vendor-02/27/2026 Open-Tax search resulted in potential property tax lien of xxxxxx. Due and payable 2/28/2026 - Due Diligence Vendor-02/27/2026 Counter-The condition is for Missing evidence taxes have been paid and are "current." - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Borrower is a first time homebuyer and does not own any real estate and does not own any property taxes. Title search uploaded. - Due Diligence Vendor-02/25/2026 |
Resolved-Taxes not overdue at time of trade, payable taxes resulting from tax search are deemed immaterial - Due Diligence Vendor-02/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
855847_xxxxxx_xxxxxx_xxxxxx_taxes_paid.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855847 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-29 20:33 | 2026-02-26 14:13 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/26/2026 Ready for Review- - Due Diligence Vendor-02/26/2026 Counter-Uploaded CDA directly to Canopy - Seller-02/26/2026 Counter-Document Uploaded. - Buyer-02/26/2026 Counter-Missing CDA - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/24/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.6) - Due Diligence Vendor-01/30/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
855847_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855847 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-29 06:31 | 2026-02-26 14:11 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-02/26/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/26/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-01/29/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $1145000 - Due Diligence Vendor-02/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Low Credit Usage Ratio Of Twenty-Five Percent |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855847 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-09 11:34 | 2026-02-20 14:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 49.05% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/20/2026 Counter-Please provided an Approved Lender Exception form with Compensating Factors - Due Diligence Vendor-02/17/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/17/2026 Open-Audited DTI of 49.05% exceeds Guideline DTI of 43% no exception found in file for DTI > guidelines of 43% - Due Diligence Vendor-02/09/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 49.05% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) Low Credit Usage Ratio Of Twenty-Five Percent (25%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855847 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-29 05:57 | 2026-02-17 08:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx valid Document expires on xxxxxx & Identification Program Checklist provided - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. No rebuttal comment provided just attachment. - Due Diligence Vendor-02/17/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-01/29/2026 |
Resolved-xxxxxx valid Document expires on xxxxxx & Identification Program Checklist provided - Due Diligence Vendor-02/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
855847_xxxxxx_855847-xxxxxx-Citizenship_Doc_B1-100142587.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855847 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-11 07:28 | 2026-02-11 07:29 | 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- Client exception granted with compensating factorsThis 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855848 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-01-30 06:22 | 2026-02-25 13:39 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-see attached CDA (nothing attached) - Due Diligence Vendor-02/24/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.8) - Due Diligence Vendor-01/30/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 855848 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-11 07:28 | 2026-02-11 07:29 | 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- Client exception granted with compensating factorsThis 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855851 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-19 13:04 | 2026-02-27 08:00 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.8) - Due Diligence Vendor-02/19/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855851_xxxxxx_855851_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855851 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-02/23/2026 Open-Subject is located in an xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855851_xxxxxx_855851.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855851 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 14:20 | 2026-02-21 11:39 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Missing Closing Disclosure | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855851 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-20 11:28 | 2026-02-20 11:30 | 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- Client exception granted with compensating factorsThis 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. **** xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. **** xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855853 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-09 16:40 | 2026-02-11 07:29 | 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- Client exception granted with compensating factorsWaived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 Waived- Client exception granted with compensating factorsThis 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. **********Waived xxxxxx - outside SOL - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/10/2026 Open- - Due Diligence Vendor-02/09/2026 |
Waived- Client exception granted with compensating factorsWaived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 Waived- Client exception granted with compensating factorsThis 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. **********Waived xxxxxx - outside SOL - Due Diligence Vendor-02/09/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855856 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 14:28 | 2026-02-22 12:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/22/2026 Ready for Review-Document Uploaded. Tax cert added - Due Diligence Vendor-02/22/2026 Open-Missing Property Tax Cert - Due Diligence Vendor-02/16/2026 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
855856_xxxxxx_xxxxxx_-_100143029,_xxxxxx_-_Tax_Cert.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855856 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 00:23 | 2026-02-18 17:29 | 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- Client exception granted with compensating factorsThis 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. **** xxxxxx – Outside xxxxxx SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. **** xxxxxx – Outside xxxxxx SOL - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.22% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855859 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-16 07:11 | 2026-02-25 16:04 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing evidence of sufficient insurance or satisfactory RCE. - Due Diligence Vendor-02/25/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing evidence of sufficient insurance or satisfactory RCE. - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $488000 Missing evidence of sufficient insurance or satisfactory RCE. - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Calculated DTI Is Less Than The Guideline Maximum By Five Percent Months Reserves Are Greater Than The Guideline Minimum By Six |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855859 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-18 06:15 | 2026-02-20 11:50 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855859 | xxxxxx | C | B | C | B | B | B | B | B | Closed | xxxxxx | 2026-02-16 07:03 | 2026-02-19 00:41 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Waived- The appraiser did not originally complete the appraisal “subject to” the potential water concern in the unfinished basement. The concern was subsequently identified by the lender during its review of the property photographs, at which point the lender requested that the appraiser revise the appraisal to reflect the condition as “subject to.” Upon further review, there was no evidence of material water intrusion, and the condition was determined not to present a habitability or safety concern. The lender therefore deemed no further inspection or 1004D necessary. - Due Diligence Vendor-02/19/2026 | Waived- The appraiser did not originally complete the appraisal “subject to” the potential water concern in the unfinished basement. The concern was subsequently identified by the lender during its review of the property photographs, at which point the lender requested that the appraiser revise the appraisal to reflect the condition as “subject to.” Upon further review, there was no evidence of material water intrusion, and the condition was determined not to present a habitability or safety concern. The lender therefore deemed no further inspection or 1004D necessary. - Due Diligence Vendor-02/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 855861 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-01-29 09:13 | 2026-02-25 13:37 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/24/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.2) - Due Diligence Vendor-01/29/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
855861_xxxxxx_855861_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855861 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-01-29 07:55 | 2026-02-24 10:16 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/19/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-01/29/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
855847_xxxxxx_-_Hazard_(1).pdf 855847_xxxxxx_-_Hazard.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855861 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-02-20 07:35 | 2026-02-24 10:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than the Subject Lien or replacement cost value of xxxxxx - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. HOI and email added - Due Diligence Vendor-02/23/2026 Open-HOI Policy Coverage is xxxxxx that includes the 25% of Cov A vs the RCE provided stating the Replacement Cost Est is xxxxxx - Due Diligence Vendor-02/20/2026 |
Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than the Subject Lien or replacement cost value of xxxxxx - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
855861_xxxxxx_-_Hazard.pdf 855861_xxxxxx_-_RCV_supporting_docs.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855861 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-02-12 11:00 | 2026-02-12 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- Client exception granted with compensating factorsThis 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. ***** xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***** xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855864 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-25 13:33 | 2026-02-26 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage provided - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/26/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-02/25/2026 |
Resolved-PDI stating Free and clear of disaster related damage provided - Due Diligence Vendor-02/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
855864_xxxxxx_855864.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855864 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-30 01:20 | 2026-02-25 13:34 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/24/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) - Due Diligence Vendor-01/30/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
855864_xxxxxx_855864_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855864 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-11 14:45 | 2026-02-20 14:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 43.65% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/20/2026 Counter-Please provided an Approved Lender Exception form with Compensating Factors - Due Diligence Vendor-02/17/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/17/2026 Open-Audited DTI of 43.65% exceeds Guideline DTI of 43% DTI is due to calculation based on qualifying rate - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 43.65% exceeds Guideline DTI of 43% - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) Low Credit Usage Ratio Of Twenty-Five Percent (25%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855864 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-12 09:30 | 2026-02-20 07:40 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Valid PRA card provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Permanent Resident card added - Due Diligence Vendor-02/19/2026 Open-Missing permanent resident card - Due Diligence Vendor-02/12/2026 |
Resolved-Valid PRA card provided - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
855864_xxxxxx_-_Perm_Resident_Card.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855864 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-11 15:10 | 2026-02-11 15:12 | 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- Client exception granted with compensating factorsThis 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. ***** Outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***** Outside SOL - Due Diligence Vendor-02/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855869 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PID stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PID stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855869_xxxxxx_855869.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855869 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-19 05:33 | 2026-02-21 11:46 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-******The following charges have been either added or increased: Condo Questionnaire Fee resulting in a 0% tolerance cure in the amount of $128.95. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 128.95 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - 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 $128.95.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). The following charges have been either added or increased: CONDO QUESTIONNAIRE $378.95 resulting in a 0% tolerance cure in the amount of $128.95. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $128.95 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855869 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-19 05:33 | 2026-02-21 11:46 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-******The following charges have been either added or increased: Condo Questionnaire Fee resulting in a 0% tolerance cure in the amount of $128.95. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 128.95 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855869 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-19 05:33 | 2026-02-21 11:46 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-******The following charges have been either added or increased: Condo Questionnaire Fee resulting in a 0% tolerance cure in the amount of $128.95. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 128.95 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855869 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-19 05:33 | 2026-02-20 10:49 | 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- Client exception granted with compensating factorsThis 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. *********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsThis 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. *********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855871 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-21 09:06 | 2026-02-21 09:07 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855871 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-11 15:46 | 2026-02-20 07:43 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Bank statement uploaded - Due Diligence Vendor-02/19/2026 Open-Asset 2 Does Not Meet Guideline Requirements xxxxxx $14772.96 is missing - Due Diligence Vendor-02/11/2026 |
Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
855871_xxxxxx_-_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855871 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-11 15:46 | 2026-02-20 07:43 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Bank statement uploaded - Due Diligence Vendor-02/19/2026 Open-Asset 4 Does Not Meet Guideline Requirements xxxxxx $50140.73 is missing - Due Diligence Vendor-02/11/2026 |
Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
855871_xxxxxx_-_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855871 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-11 15:46 | 2026-02-20 07:43 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Bank statement uploaded - Due Diligence Vendor-02/19/2026 Open-Asset 5 Does Not Meet Guideline Requirements xxxxxx $240 is missing - Due Diligence Vendor-02/11/2026 |
Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
855871_xxxxxx_-_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855871 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-01-30 18:01 | 2026-02-19 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. CD and LE added - Due Diligence Vendor-02/19/2026 Open-******Documentation provided does not contain the_Loan Estimation Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/30/2026 |
Resolved-Locked ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-02/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
Full Review855871_xxxxxx_2_18_2026_124259_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855872 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-21 09:09 | 2026-02-21 09:10 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.83 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.89 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.97 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.2 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855873 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 11:53 | 2026-03-09 13:19 | Resolved | 1 - Information | C | A | Credit | Title | Potential Ownership issues identified in file | Resolved-Document Uploaded. Entity docs provided for partnership as well as xxxxxx evidencing borrower has full control and ownership of property. - Due Diligence Vendor-03/09/2026 Counter-The Condition states: A current Title search was completed and reflects the vested owner is now xxxxxx does not match applicant xxxxxx - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached Final title - Due Diligence Vendor-02/25/2026 Open-Title search resulted in current vested owner is xxxxxx does not match applicant xxxxxx - Due Diligence Vendor-02/23/2026 |
Resolved-Document Uploaded. Entity docs provided for partnership as well as xxxxxx evidencing borrower has full control and ownership of property. - Due Diligence Vendor-03/09/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.67% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
855873_xxxxxx_non_xxxxxx_citizen_documentation.pdf LP_OA_xxxxxx.pdf LLC_OA_-_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855873 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 15:48 | 2026-02-26 22:15 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-evidence of xxxxxx Visa provided - Due Diligence Vendor-02/27/2026 Open-Borrower is Non Permanent Resident. Provide additional identification docs. Passport reflected reflected in file is expired. - Due Diligence Vendor-02/20/2026 |
Resolved-evidence of xxxxxx Visa provided - Due Diligence Vendor-02/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.67% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 855873 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 10:00 | 2026-02-20 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.67% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855876 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-19 08:06 | 2026-02-27 15:08 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 5) Updated As Per Document. - Due Diligence Vendor-02/19/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.06% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |
855876_xxxxxx_855876_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 855876 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-19 07:15 | 2026-02-27 15:08 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present. - Due Diligence Vendor-02/19/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.06% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |
855876_xxxxxx_final_inspection.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 855876 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-19 13:22 | 2026-02-21 08:09 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.82 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.06% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||||
| 855880 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-01-29 07:52 | 2026-02-26 22:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Photo ID for B1 provided, ID validation provided for B2 - Due Diligence Vendor-02/27/2026 Counter-Document Uploaded. B2 Identification Program Checklist doc provided has the same License/ID Number, Date of Issuance and Date of Expiration as Borrower 1. The condition is for identification information for xxxxxx - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/17/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-01/29/2026 |
Resolved-Photo ID for B1 provided, ID validation provided for B2 - Due Diligence Vendor-02/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.84% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
855880_xxxxxx_855880-xxxxxx-_Citizenship_Doc_B2-_100141132.pdf B2.jpg B1.jpg 855880_xxxxxx_855880-xxxxxx-B1_Passport_and_License-100141132_Redacted.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855880 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-01-29 07:52 | 2026-02-24 07:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Passport and DL provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. B1 passport added - Due Diligence Vendor-02/23/2026 Counter-Document Uploaded. B1 Identification Program Checklist doc provided has the same License/ID Number, Date of Issuance and Date of Expiration as Borrower 2. The condition is for identification information for "xxxxxx xxxxxx" - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/17/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-01/29/2026 |
Resolved-Passport and DL provided - Due Diligence Vendor-02/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.84% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
855880_xxxxxx_855880-xxxxxx-_Citizenship_Doc_B1-_100141132.pdf B1.jpg B2.jpg 855880_xxxxxx_855880-xxxxxx-B1_Passport_and_License-100141132_Redacted.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855880 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-02-21 09:14 | 2026-02-21 09:15 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.84% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855880 | xxxxxx | D | B | D | A | C | B | C | A | Closed | xxxxxx | 2026-01-30 06:33 | 2026-02-18 06:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/15/2026 Open-*******Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. - Due Diligence Vendor-01/30/2026 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.84% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
Full Review855880_xxxxxx_2_13_2026_13917_PM.zip 855880_xxxxxx_-_Proof_of_Electronic_Delivery.pdf 855880_xxxxxx_-_ICD.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855883 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 08:50 | 2026-02-25 15:21 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. New 1008 uploaded removing other income - Due Diligence Vendor-02/25/2026 Open-Income 2 Months Income Verified is Missing MIssing evidence of lender's calcuations of "other" $5,833.33 income. Job offer letter reflects one time signing bonus and payment of student loans, however, the figures does not match the $70,000 used by lender. - Due Diligence Vendor-02/17/2026 |
Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 855883_xxxxxx_new_1008.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855883 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 23:36 | 2026-02-25 13:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist Provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Citizenship\Residency Documentation Is Missing - Due Diligence Vendor-02/17/2026 |
Resolved-Customer Identification Program Checklist Provided - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 855883_xxxxxx_855883-xxxxxx-_B1_citizenship-100145800.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855883 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 855883_xxxxxx_855883.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855883 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 05:26 | 2026-02-21 03:58 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 25.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855884 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-19 21:47 | 2026-02-21 04:10 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855888 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-13 19:56 | 2026-02-25 13:08 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. New 1008 uploaded showing xxxxxx not included in assets. - Due Diligence Vendor-02/25/2026 Open-Asset 1 Expired xxxxxx xxxxxx Asset is expired. Loan close xxxxxx, assest statement dated 1/10/2024 more than 120 days from note date. - Due Diligence Vendor-02/14/2026 |
Resolved-Asset 1 Not Expired - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
855888_xxxxxx_1008_showing_xxxxxx_account_not_included_in_assets.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855888 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-13 17:58 | 2026-02-24 07:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. CIP ADDED - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-02/13/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/24/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
855888_xxxxxx_855888-xxxxxx_B2-100139994.pdf 855888_xxxxxx_855888-xxxxxx-_1003_shows_xxxxxx_Citizen-100139994.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855888 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-13 17:58 | 2026-02-24 07:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. CIP ADDED - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-02/13/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/24/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
855888_xxxxxx_855888-xxxxxx_B1-100139994.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855888 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 05:32 | 2026-02-16 12:45 | 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- Client exception granted with compensating factorsThis 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. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. - Due Diligence Vendor-02/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855889 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-17 00:56 | 2026-02-25 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. VOE added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-02/17/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/25/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.75 Years Borrower At Current Residence For Five (5) Or More Years - 21.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 91.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.63 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.63 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.63 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.63 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
855889_xxxxxx_855889-xxxxxx-Third_Party_VOE_B1_prior_to_close-_100142365.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855889 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-20 13:56 | 2026-02-25 13:05 | Waived | 2 - Non-Material | C | B | Credit | Income | Borrower 1 Tax Returns Not Signed | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed - Due Diligence Vendor-02/25/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed - Due Diligence Vendor-02/25/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.75 Years Borrower At Current Residence For Five (5) Or More Years - 21.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 91.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.63 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.63 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.63 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.63 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
Compensating Factor 1 - Employed in same profession > 10 years Compensating Factor 2 - Current primary home ownership > 5 years Compensating Factor 3 - Credit Score 30+ points > minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855889 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-18 04:48 | 2026-02-21 10:10 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.75 Years Borrower At Current Residence For Five (5) Or More Years - 21.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 91.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.63 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.63 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.63 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.63 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 28.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855896 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-20 15:34 | 2026-02-26 22:30 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-Name variance is deemed immaterial. current title search supports accurate borrower vesting. - Due Diligence Vendor-02/27/2026 Counter-Document Uploaded. the DOT's still show xxxxxx last name as xxxxxx - Add the name xxxxxx to the borrower #1 aka affidavit OR Provided a corrected DOT with proof of re-recording - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. DOT with correct name added - Due Diligence Vendor-02/25/2026 Open-Add the name xxxxxx to the borrower #1 aka affidavit. This name is shown on the Final DOT or obtain a NEW dot SHOWING THE CORRECT NAME FOR BORROWER xxxxxx - Due Diligence Vendor-02/20/2026 |
Resolved-Name variance is deemed immaterial. current title search supports accurate borrower vesting. - Due Diligence Vendor-02/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI 34.57% Is Less Than The Guideline Maximum Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 94.49 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
855896_xxxxxx,_100146127_-_DOT_with_correct_name.pdf Screenshot 2026-02-25 125123.jpg |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855896 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-20 07:05 | 2026-02-25 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing (xxxxxx xxxxxx) - Due Diligence Vendor-02/20/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI 34.57% Is Less Than The Guideline Maximum Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 94.49 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
. | 855896_xxxxxx_855896-xxxxxx-_B2_citizenship-100146127.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855896 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-20 07:05 | 2026-02-25 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Citizenship Documentation Is Missing (xxxxxx) - Due Diligence Vendor-02/20/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI 34.57% Is Less Than The Guideline Maximum Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 94.49 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
. | 855896_xxxxxx_855896-xxxxxx-_B1_citizenship-100146127.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||
| 855896 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-20 13:09 | 2026-02-21 09:04 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI 34.57% Is Less Than The Guideline Maximum Calculated DTI Of 37.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 94.49 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855899 | xxxxxx | D | B | A | A | B | B | D | A | Closed | xxxxxx | 2026-02-23 08:44 | 2026-02-27 08:18 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-xxxxxx and xxxxxx provided are for a different property address. Provide 3rd Party Valuation for the subject property. - Due Diligence Vendor-02/23/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 12.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
855899_xxxxxx_855899_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855899 | xxxxxx | D | B | A | A | B | B | D | A | Closed | xxxxxx | 2026-02-20 10:13 | 2026-02-21 06:57 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 12.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855903 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-25 15:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PID stating Free and clear of disaster related damage provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/25/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PID stating Free and clear of disaster related damage provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
855903_xxxxxx_855903.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855903 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 04:49 | 2026-02-20 12:52 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855904 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 14:20 | 2026-02-25 12:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. I797 and DL added (redacted) - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing Non Permanent Resident Alien documentation including country of origin - Due Diligence Vendor-02/20/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855904_xxxxxx_855904-xxxxxx-B1_DL-1000148803.pdf 855904_xxxxxx_855904-xxxxxx-B1_Citizenship-1000148803.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855904 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 10:10 | 2026-02-21 07:16 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855907 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-22 22:01 | 2026-02-25 16:16 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-02/23/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 24.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
855907_xxxxxx_Hazard_Insurance_with_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855907 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 06:27 | 2026-02-23 08:59 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 24.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855909 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 11:38 | 2026-02-26 22:18 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-"County" included on CDA is deemed immaterial, all docs reflect xxxxxx. - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached, if this just due to the CDA? the property is located right on the county line, please consider clearing - Due Diligence Vendor-02/25/2026 Open-Title search resulted in county variance; subject property is located in xxxxxx county - Due Diligence Vendor-02/23/2026 |
Resolved-"County" included on CDA is deemed immaterial, all docs reflect xxxxxx. - Due Diligence Vendor-02/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855909_xxxxxx_-_Title_Comm.pdf 855909_xxxxxx_-_Title_Policy.pdf 855909_xxxxxx_-_Appraisal.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855909 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 06:35 | 2026-02-23 11:56 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855912 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 13:47 | 2026-02-21 03:52 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 855915 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 11:10 | 2026-02-26 22:26 | Resolved | 1 - Information | C | A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Taxes are not due at time of loan trade and payable taxes resulting from tax search are deemed immaterial. - Due Diligence Vendor-02/27/2026 Counter-Our Tax search states subject property taxes are payable and due xxxxxx, Provide documentation that taxes are not due till xxxxxx - Due Diligence Vendor-02/25/2026 Ready for Review-Not escrowed. Taxes not due till xxxxxx. No docs to provide - Due Diligence Vendor-02/25/2026 Open-Tax search resulted in evidence of subject property taxes are payable and due xxxxxx - Due Diligence Vendor-02/23/2026 |
Resolved-Taxes are not due at time of loan trade and payable taxes resulting from tax search are deemed immaterial. - Due Diligence Vendor-02/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 77.14% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.64% Is Less Than The Guideline Maximum Calculated DTI Of 31.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 855915 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-19 23:44 | 2026-02-25 16:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is xxxxxx) - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Appraisal and AV Checklist showing no PUD - Due Diligence Vendor-02/25/2026 Open-PUD Rider is Missing Appraisal shows property is a PUD however it is not noted on Title or DOT. Will need PUD rider and/or appraisal corrected to show not a PUD as applicable - Due Diligence Vendor-02/20/2026 |
Resolved-The PUD Rider is Present or is Not Applicable (Property Type is xxxxxx) - Due Diligence Vendor-02/25/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 77.14% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.64% Is Less Than The Guideline Maximum Calculated DTI Of 31.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
855915_xxxxxx_-_AV_Checklist.pdf 855915_xxxxxx-_Appraisal.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855915 | xxxxxx | D | B | C | A | D | B | C | A | Closed | xxxxxx | 2026-02-20 15:04 | 2026-02-21 09:20 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 77.14% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.64% Is Less Than The Guideline Maximum Calculated DTI Of 31.64% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) 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 | ||||
| 855918 | xxxxxx | A | B | A | A | A | B | A | A | Closed | xxxxxx | 2026-02-16 01:51 | 2026-02-21 09:17 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855920 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-Subject is located in an xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.31% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
855920_xxxxxx_855920.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855920 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 10:13 | 2026-02-21 11:21 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.31% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) 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 | ||||
| 855921 | xxxxxx | B | B | B | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 04:34 | 2026-02-25 12:46 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. 1008 added - Due Diligence Vendor-02/25/2026 Open-1008/Underwriting Summary Not Provided Final 1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/20/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 20.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
855921_xxxxxx_855921-xxxxxx-1008_uw_transmittal-100156681.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855921 | xxxxxx | B | B | B | A | B | B | A | A | Closed | xxxxxx | 2026-02-21 11:01 | 2026-02-21 11:12 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 20.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855923 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-21 09:23 | 2026-02-21 09:23 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 | Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855926 | xxxxxx | D | B | D | B | B | B | D | A | Closed | xxxxxx | 2026-02-11 01:22 | 2026-02-24 07:25 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: FICO of 698 - Lenders GL state Min Fico is 700 - Due Diligence Vendor-02/24/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/23/2026 Counter-CBR provided reflects a FICO of 698 - Lenders GL state Min Fico is 700 - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. CR uploaded - Due Diligence Vendor-02/20/2026 Open-Audited FICO of is less than Guideline FICO of 700. credit report is missing - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: FICO of 698 - Lenders GL state Min Fico is 700 - Due Diligence Vendor-02/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.48 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
Months Reserves Are Greater Than The Guideline Minimum By Six Calculated DTI Is Less Than The Guideline Maximum By Five Percent Original LTV Is Below The Guideline Maximum By Ten Percent |
855926_xxxxxx_855926-xxxxxx_B1_Credit_Report-100148007.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 855926 | xxxxxx | D | B | D | B | B | B | D | A | Closed | xxxxxx | 2026-02-20 15:20 | 2026-02-24 07:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. PDI required. - Due Diligence Vendor-02/20/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.48 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
855926_xxxxxx_855926.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855926 | xxxxxx | D | B | D | B | B | B | D | A | Closed | xxxxxx | 2026-02-11 00:14 | 2026-02-20 15:21 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Appraisal uploaded - Due Diligence Vendor-02/20/2026 Open-Appraisal is Missing - Due Diligence Vendor-02/11/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-02/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.48 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
855926_xxxxxx_855926-xxxxxx_Appraisal-100148007.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855926 | xxxxxx | D | B | D | B | B | B | D | A | Closed | xxxxxx | 2026-02-11 01:12 | 2026-02-20 15:05 | 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-02/20/2026 Ready for Review-Document Uploaded. CR uploaded - Due Diligence Vendor-02/20/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-02/11/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.48 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
855926_xxxxxx_855926-xxxxxx_B1_Credit_Report-100148007.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855926 | xxxxxx | D | B | D | B | B | B | D | A | Closed | xxxxxx | 2026-02-11 00:21 | 2026-02-20 15:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-1-797C xxxxxx provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. I-797C uploaded - Due Diligence Vendor-02/20/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-02/11/2026 |
Resolved-1-797C xxxxxx provided - Due Diligence Vendor-02/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.48 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
855926_xxxxxx_855926-xxxxxx_B1_Citizenship_Doc-100148007.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855926 | xxxxxx | D | B | D | B | B | B | D | A | Closed | xxxxxx | 2026-02-11 03:32 | 2026-02-12 14:06 | 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- Client exception granted with compensating factorsThis 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. ***** xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***** xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.91 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.48 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855928 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 04:48 | 2026-04-13 13:57 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Gap Credit Report is Missing. Credit report is aged 54 days. - Due Diligence Vendor-04/13/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-04/13/2026 Open-Borrower 2 Gap Credit Report is Missing. Credit report is aged 54 days. - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Gap Credit Report is Missing. Credit report is aged 54 days. - Due Diligence Vendor-04/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855928 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 04:48 | 2026-04-13 13:57 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Gap Credit Report is Missing. Credit report is aged 54 days. - Due Diligence Vendor-04/13/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-04/13/2026 Open-Borrower 1 Gap Credit Report is Missing. Credit report is aged 54 days. - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Gap Credit Report is Missing. Credit report is aged 54 days. - Due Diligence Vendor-04/13/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855928 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 01:31 | 2026-04-03 13:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/02/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-02/23/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/03/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
855928_xxxxxx_FL9MS2R.1.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855928 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 10:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
855928_xxxxxx_855928.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855928 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 08:28 | 2026-02-23 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 22.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855929 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-21 08:20 | 2026-08-27 14:18 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 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. **Lender to provide missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 17.3 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855929 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-21 08:09 | 2026-08-27 14:18 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-TRID: Missing Final Closing Disclosure **Document in the file indicate closing was on xxxxxx. File contains a CD issued xxxxxx with electronic signatures and dated xxxxxx (signature date is prior to the document issued date). Lender to clarify and provide a copy of the executed Final CD disclosed to borrower at closing. - Due Diligence Vendor-02/21/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 17.3 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855929 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-20 10:11 | 2026-08-27 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 expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 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. ****Section B has the Tax Related Service fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 17.3 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855929 | xxxxxx | D | B | A | A | D | B | A | A | Closed | xxxxxx | 2026-02-20 10:11 | 2026-08-27 14:18 | Waived | 2 - Non-Material | C | B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 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. **Lock-In Agreement in the file has a lock date of xxxxxx. The original file does not contain a revised LE issued within 3 business days of the lock date. Lender to provide. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 17.3 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855930 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 00:29 | 2026-02-23 13:09 | 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- Client exception granted with compensating factorsThis 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. ***** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.45 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855931 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-02-20 13:14 | 2026-02-27 08:08 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.5) Missing 3rd party valuation product. - Due Diligence Vendor-02/20/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.94 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
855931_xxxxxx_855931_RDA.pdf | 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 | |||
| 855931 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 01:59 | 2026-02-23 09:47 | 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- Client exception granted with compensating factorsThis 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. ***** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.94 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
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 | ||||
| 855934 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 11:18 | 2026-02-25 16:36 | Resolved | 1 - Information | C | A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-proof taxes paid provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Tax search resulted in evidence property taxes are due and payable xxxxxx - Due Diligence Vendor-02/23/2026 |
Resolved-proof taxes paid provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 27.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
855934_xxxxxx_taxes_paid.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855934 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-22 21:50 | 2026-02-23 08:34 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 734 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 27.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 855935 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-20 10:19 | 2026-03-05 14:54 | 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. client accepts finding as xxxxxx – Outside SOL. SOL expiration on xxxxxx - Due Diligence Vendor-03/05/2026 Open- - 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. client accepts finding as xxxxxx – Outside SOL. SOL expiration on xxxxxx - Due Diligence Vendor-03/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.25% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx | ||||
| 855936 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-02-19 00:12 | 2026-08-27 12:47 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Appraisal added - Due Diligence Vendor-02/25/2026 Open-Appraisal is Missing - Due Diligence Vendor-02/19/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855936_xxxxxx_855936-xxxxxx-Appraisal-100145303.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855936 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-02-19 04:41 | 2026-02-27 08:07 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.5) Missing satisfactory 3rd party valuation product. - Due Diligence Vendor-02/20/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855936_xxxxxx_855936_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855936 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-02-20 16:41 | 2026-02-26 22:24 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-Expired ID is valid for notarization and execution of docs within 5 years per xxxxxx statute. - Due Diligence Vendor-02/27/2026 Counter-the file states the BWr's DL expired on xxxxxx and Loan closed on xxxxxx - Need a Valid Drivers License Prior to closing - Due Diligence Vendor-02/26/2026 Ready for Review-1003 marked as xxxxxx, SSI number is legit, please review to clear - Due Diligence Vendor-02/26/2026 Counter-xxxxxx for the confusion, Please provided Valid Drivers License or xxxxxx Patriot Act form as the Form in the file states the BWr's DL expired on xxxxxx and Loan closed on xxxxxx - Due Diligence Vendor-02/25/2026 Ready for Review-1003 marked as xxxxxx, SSI number is legit, please review to clear - Due Diligence Vendor-02/25/2026 Open- - Due Diligence Vendor-02/20/2026 |
Resolved-Expired ID is valid for notarization and execution of docs within 5 years per xxxxxx statute. - Due Diligence Vendor-02/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 855936 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855936_xxxxxx_855936.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855936 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-02-19 05:39 | 2026-02-21 07:52 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855937 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-21 09:27 | 2026-02-21 09:27 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 | Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855939 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-17 17:31 | 2026-02-25 16:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-document provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. 1008 added - Due Diligence Vendor-02/25/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/17/2026 |
Resolved-document provided - Due Diligence Vendor-02/25/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
855939_xxxxxx_-_1008.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855939 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 13:23 | 2026-02-25 16:32 | Waived | 2 - Non-Material | C | B | Credit | Income | Income/Employment General | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Borrower is self employed and LTV is 100% - Due Diligence Vendor-02/25/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/25/2026 Open-Exception missing - Borrower is self employed and LTV is 100% - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Borrower is self employed and LTV is 100% - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Months Reserves Are Greater Than The Guideline Minimum By Six Low Credit Usage Ratio Of Twenty-Five Percent (25%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855939 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-25 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/25/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
855939_xxxxxx_855939.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855939 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-22 23:33 | 2026-02-23 14:47 | 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. **Per management, finding is acknowledged. Investor accepts finding as xxxxxx – Outside SOL. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
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. **Per management, finding is acknowledged. Investor accepts finding as xxxxxx – Outside SOL. - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.99 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||||
| 855940 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855940_xxxxxx_855940.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855940 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 01:04 | 2026-02-23 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855941 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-02-22 22:08 | 2026-03-13 19:53 | Acknowledged | 3 - Material | C | C | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Acknowledged-SOL Expiration xxxxxx - Due Diligence Vendor-03/13/2026 Open-*****The following charges have been either added or increased: Points - Loan Discount resulting in a 0% tolerance cure in the amount of $475.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $475.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Acknowledged-SOL Expiration xxxxxx - Due Diligence Vendor-03/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855941 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-02-22 22:08 | 2026-03-13 19:51 | Acknowledged | 3 - Material | C | C | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Acknowledged-SOL Expiration xxxxxx - Due Diligence Vendor-03/13/2026 Open-*****The following charges have been either added or increased: Points - Loan Discount resulting in a 0% tolerance cure in the amount of $475.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $475.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 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 $475.00.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). The following charges have been either added or increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $475.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $475.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Acknowledged-SOL Expiration xxxxxx - Due Diligence Vendor-03/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855941 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-02-22 22:08 | 2026-02-23 17:02 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-*****The following charges have been either added or increased: Points - Loan Discount resulting in a 0% tolerance cure in the amount of $475.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $475.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855941 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-02-22 22:08 | 2026-02-23 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- Client exception granted with compensating factorsThis 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. *******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-03/13/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. *******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-03/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855943 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 11:16 | 2026-02-25 16:30 | Resolved | 1 - Information | A | A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Proof taxes paid in full provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Taxes paid check - Due Diligence Vendor-02/25/2026 Open-Tax search resulted in evidence of subject property taxes that are payable and due 2/28/2026 - Due Diligence Vendor-02/23/2026 |
Resolved-Proof taxes paid in full provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855943_xxxxxx_taxes_paid.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855943 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 17:01 | 2026-02-25 12:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. I797 added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing country of origin and xxxxxx Visa I797 documentation. - Due Diligence Vendor-02/20/2026 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855943_xxxxxx_855943-xxxxxx-B1_citizenship-100147490_Redacted.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855943 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 10:26 | 2026-02-21 08:55 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855944 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-20 18:21 | 2026-02-21 12:07 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.17 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Months Reserves Of 29.17 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855948 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 12:04 | 2026-02-23 14:30 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Residual income is more than 1.5x guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855949 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 12:03 | 2026-02-27 08:05 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU score is 999 and LCA is 4. Provide 3rd party valuation. - Due Diligence Vendor-02/23/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.19 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.03 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 24.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
855949_xxxxxx_855949_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855949 | xxxxxx | D | B | A | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 06:16 | 2026-02-23 09:55 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.19 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.03 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 61.14 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 24.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) 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 | ||||
| 855950 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-30 00:29 | 2026-02-25 12:38 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.9) - Due Diligence Vendor-01/30/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
855950_xxxxxx_855950_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855950 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-10 14:40 | 2026-02-25 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 8 Missing | Resolved-Asset 8 Provided Or Not Applicable - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Bank statement, Funds Conversion, and Gift docs added - Due Diligence Vendor-02/25/2026 Counter-The condition is for evidence of wire from donor to Bwr/Escrow/Title Company is missing. xxxxxx transaction page provided is in xxxxxx and needs to be converted as it appears it being used for proof of Gift Funds. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Doc provided includes both gift letters - Due Diligence Vendor-02/17/2026 Open-Asset 8 Missing Gift letter in the amount of $8,000, however evidence of transfer from donor to BOrrower/title company is missing. - Due Diligence Vendor-02/10/2026 |
Resolved-Asset 8 Provided Or Not Applicable - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
855950_xxxxxx_8655950-xxxxxx-Gift_Letter_and_Transfer_-100140635.pdf 855950_xxxxxx_-_Bank_Statements.pdf 855950_xxxxxx_-_Gift_Documentation.pdf 855950_xxxxxx_-_Funds_Conversion_Documentation.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855950 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-10 14:40 | 2026-02-25 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 9 Missing | Resolved-Asset 9 Provided Or Not Applicable - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Bank statement, Funds Conversion, and Gift docs added - Due Diligence Vendor-02/25/2026 Counter-The condition is for evidence of wire from donor to Bwr/Escrow/Title Company is missing. xxxxxx transaction page provided is in xxxxxx and needs to be converted as it appears it being used for proof of Gift Funds. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. Doc provided includes both gift letters - Due Diligence Vendor-02/17/2026 Open-Asset 9 Missing Gift letter in the amount of $20,730, however evidence of transfer from donor to Brrower/title company is missing. - Due Diligence Vendor-02/10/2026 |
Resolved-Asset 9 Provided Or Not Applicable - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
855950_xxxxxx_8655950-xxxxxx-Gift_Letter_and_Transfer_-100140635.pdf 855950_xxxxxx_-_Gift_Documentation.pdf 855950_xxxxxx_-_Funds_Conversion_Documentation.pdf 855950_xxxxxx_-_Bank_Statements.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855950 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-21 09:42 | 2026-02-21 09:42 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 | Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855950 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-29 07:45 | 2026-02-20 15:34 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: B2 is a J1 as an exchange program visitor the J1 is entitled to an H4 if she were not in school - Due Diligence Vendor-02/20/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/20/2026 Counter-Missing Approved Lender Exception for B2 is a J1 as an exchange program visitor the J1 is entitled to an H4 if she were not in school..... I'm OK with that in this scenario, but it would be an exception.. - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/17/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing .Non-Permanent Resident Card Missing for Borrower 2 - Due Diligence Vendor-01/29/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: B2 is a J1 as an exchange program visitor the J1 is entitled to an H4 if she were not in school - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Low Credit Usage Ratio Of Twenty-Five Percent (25%) |
855950_xxxxxx_8655950-xxxxxx-Citizenship_Doc_B1_and_B2-100140635_Redacted.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 855950 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-29 07:45 | 2026-02-17 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid work Visa provided - Due Diligence Vendor-02/17/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/17/2026 Open-Borrower 1 Citizenship Documentation Is Missing . Non-Permanent Resident Card Missing for Borrower 1 - Due Diligence Vendor-01/29/2026 |
Resolved-Valid work Visa provided - Due Diligence Vendor-02/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
855950_xxxxxx_8655950-xxxxxx-Citizenship_Doc_B1_and_B2-100140635_Redacted.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855952 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 05:24 | 2026-02-26 21:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Rent to own contract provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-02/23/2026 |
Resolved-Rent to own contract provided - Due Diligence Vendor-02/27/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 39.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
855952_xxxxxx_-_Purchase_Agreement.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855952 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 06:48 | 2026-02-25 15:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Divorce Decree is missing | Resolved-Divorce Decree provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Proof for Child Support and Alimony is missing - Due Diligence Vendor-02/23/2026 |
Resolved-Divorce Decree provided - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 39.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
855952_xxxxxx_855952-xxxxxx-_Divorce_Decree_with_child_support_alimony-100132182.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855952 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 12:46 | 2026-02-23 12:46 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 39.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 855954 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-23 04:44 | 2026-03-02 14:56 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-03/02/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-03/02/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.4) - Due Diligence Vendor-02/23/2026 |
Resolved-CDA provided - Due Diligence Vendor-03/02/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 49.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.08% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
855954_xxxxxx_855954_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855954 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 49.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.08% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
855954_xxxxxx_855954.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855954 | xxxxxx | D | B | D | A | B | B | C | A | Closed | xxxxxx | 2026-02-23 06:48 | 2026-02-23 10:49 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 49.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.08% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855955 | xxxxxx | D | B | D | B | A | B | A | A | Closed | xxxxxx | 2026-02-16 17:18 | 2026-03-04 21:41 | Waived | 2 - Non-Material | C | B | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Waived- Client exception granted with compensating factorsClient exception granted with compensating factors to allow use of undocumented transfer of assets. Borrower sold departing primary residence and had $143K held in account on 5/7. - Due Diligence Vendor-03/05/2026 Open-Total Liquid Assets Available for Close of $80055.45 is less than Total Cash to Close $108857.43. Total Liquid Assets Available for Close of $80,055.45 is less than Total Cash to Close $108,857.43. File contains xxxxxx stmt showing a gap from 5/7/24 - 5/24/24 $26,615.40 without evidence if difference used to fund cash to close. - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsClient exception granted with compensating factors to allow use of undocumented transfer of assets. Borrower sold departing primary residence and had $143K held in account on 5/7. - Due Diligence Vendor-03/05/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855955 | xxxxxx | D | B | D | B | A | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-27 17:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-Document Uploaded. PDI provided evidencing no damage - Due Diligence Vendor-02/27/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-Document Uploaded. PDI provided evidencing no damage - Due Diligence Vendor-02/27/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
855955_xxxxxx_855955.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855955 | xxxxxx | D | B | D | B | A | B | A | A | Closed | xxxxxx | 2026-02-16 17:30 | 2026-02-25 12:32 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of -0- are less than Guideline Required Reserves of 10 months. - Due Diligence Vendor-02/25/2026 Ready for Review-Please waive with valid compensating factors. Borrower sold a departure on xxxxxx and had $143k in the account at that time, only needed $108k to close. we can waive this condition. - Due Diligence Vendor-02/25/2026 Open-Audited Reserves of are less than Guideline Required Reserves of 10 Audited Reserves of -0- are less than Guideline Required Reserves of 10 months. - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of -0- are less than Guideline Required Reserves of 10 months. - Due Diligence Vendor-02/25/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855955 | xxxxxx | D | B | D | B | A | B | A | A | Closed | xxxxxx | 2026-02-18 12:40 | 2026-02-25 12:31 | Waived | 2 - Non-Material | C | B | Credit | Income | Borrower 1 Tax Returns Not Signed | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Tax Returns Not Signed. - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Compensating Factor 1 - Employed in same profession > 10 years Compensating Factor 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 | Originator Post-Close | No | xxxxxx | |||
| 855955 | xxxxxx | D | B | D | B | A | B | A | A | Closed | xxxxxx | 2026-02-16 22:41 | 2026-02-23 07:54 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855960 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-02-14 02:21 | 2026-02-24 07:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. CIP added - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-02/14/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/24/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855960_xxxxxx_855960-xxxxxx-_CIP_B2-100144104.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855960 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-02-14 02:21 | 2026-02-24 07:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. CIP added - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-02/14/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/24/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855960_xxxxxx_855960-xxxxxx-_CIP_B1-100144104.pdf 855960_xxxxxx_855960-xxxxxx-_1003_shows_xxxxxx_citizen-100144104.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855960 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-02-16 00:51 | 2026-02-23 07:49 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855961 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 09:09 | 2026-02-23 11:30 | 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- Client exception granted with compensating factorsThis 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. **** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. **** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855963 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-01-29 09:01 | 2026-02-20 14:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 8.9 are less than Guideline Required Reserves of 9 - Due Diligence Vendor-02/20/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/20/2026 Counter-Please provide an Approved Lender Exception form with Compensating Factors - Due Diligence Vendor-02/15/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/15/2026 Open-Audited Reserves of 8.9 are less than Guideline Required Reserves of 9 Additional Assets is required for Cash to close and Reserves. Total Liquid Assets Available For Close $83,330.81. Total subject property reserves amount required 9 mos = $58740.84. Total Reserve Amount Shortage -$656.21 - Due Diligence Vendor-01/29/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 8.9 are less than Guideline Required Reserves of 9 - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Low Credit Usage Ratio Of Twenty-Five Percent (25%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855963 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-11 18:13 | 2026-02-11 18:14 | 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- Client exception granted with compensating factorsThis 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. ********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. ********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855967 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 10:39 | 2026-02-26 14:23 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-02/26/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/26/2026 Counter-The HOI Policy states Dwelling as xxxxxx + 10% of dwelling and Increased dwelling up to xxxxxx = that totals xxxxxx - the Loan amount is xxxxxx - Provided RCE or updated dwelling coverage - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $775,000. - Due Diligence Vendor-02/26/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 37.56% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 22.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Calculated DTI Is Less Than The Guideline Maximum By Five Percent Months Reserves Are Greater Than The Guideline Minimum By Six |
855967_xxxxxx_-_Hazard_Ins.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 855967 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 09:14 | 2026-02-23 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- Client exception granted with compensating factorsThis 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. ***** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 37.56% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 22.42 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855968 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-23 10:02 | 2026-02-23 17:04 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-*****The following charges have been either added or increased: Points - Loan Discount resulting in a 0% tolerance cure in the amount of $771.98. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $771.98 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 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 $771.98.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-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855968 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-23 10:02 | 2026-02-23 17:04 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-*****The following charges have been either added or increased: Points - Loan Discount resulting in a 0% tolerance cure in the amount of $771.98. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $771.98 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855968 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-23 10:02 | 2026-02-23 17:04 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-*****The following charges have been either added or increased: Points - Loan Discount resulting in a 0% tolerance cure in the amount of $771.98. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $771.98 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855968 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-23 13:08 | 2026-02-23 13:08 | 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- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855969 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-17 22:42 | 2026-02-23 08:43 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/21/2026 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 $100.00.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). The following charges have been either added or increased: APPRAISAL FEE Fee resulting in a 0% tolerance cure in the amount of $100. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $100 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855969 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-17 22:42 | 2026-02-23 08:43 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/21/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855969 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-17 22:42 | 2026-02-23 08:43 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/21/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855969 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-23 08:42 | 2026-02-23 08:42 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 | Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-25 14:58 | 2026-02-26 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage provided - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/26/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-02/25/2026 |
Resolved-PDI stating Free and clear of disaster related damage provided - Due Diligence Vendor-02/26/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855971_xxxxxx_855971.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 05:10 | 2026-02-26 14:25 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached. appraisal appears to be almost completed based on pictures and OC may determine if finished, please consider - Due Diligence Vendor-02/25/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-02/23/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855971_xxxxxx_Cert_of_Occupancy_&_hold_harmless.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 04:55 | 2026-02-25 14:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-02/23/2026 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855971_xxxxxx_855971-xxxxxx-Inital_1003_100134971.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 11:36 | 2026-02-23 17:23 | Waived | 2 - Non-Material | B | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 11:36 | 2026-02-23 17:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 11:39 | 2026-02-23 17:23 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Service Provider List is Missing | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-Service Provider List is Missing ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 15:35 | 2026-02-23 17:23 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855971 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 17:12 | 2026-02-23 17:23 | 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 with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 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. - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855974 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-01-29 12:57 | 2026-02-25 12:29 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.3) SSR Report is cross the 2.5%. CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.3) - Due Diligence Vendor-01/29/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.63 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.98% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.7 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.92 Years |
855974_xxxxxx_855974_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855974 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-02-11 13:41 | 2026-02-21 09:45 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-Executed Corrected Note, has been provided. xxxxxx - Due Diligence Vendor-02/21/2026 Ready for Review-Document Uploaded. Note and explanation uploaded - Due Diligence Vendor-02/20/2026 Open-The Note has been executed by the Non-borrowing spouse, creating personal liability to the loan obligations. - Due Diligence Vendor-02/11/2026 |
Resolved-Executed Corrected Note, has been provided. xxxxxx - Due Diligence Vendor-02/21/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.63 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.98% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.7 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.92 Years |
Full Review855974_xxxxxx_2_19_2026_74754_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855974 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-01-29 11:32 | 2026-02-20 15:00 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Hazard insurance agency provided doc stating they insure dwelling coverage for estimated replacement cost, doc uploaded. - Due Diligence Vendor-02/20/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-01/29/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.63 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.98% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.7 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.92 Years |
855974_xxxxxx__HOI_doc_stating_dwelling_coverage_equals_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855974 | xxxxxx | C | B | C | A | C | B | C | A | Closed | xxxxxx | 2026-02-11 15:23 | 2026-02-12 10:16 | 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- Client exception granted with compensating factorsThis 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. 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.63 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.98% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.7 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.01% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.92 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855975 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-09 16:47 | 2026-08-27 16:17 | 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 expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/09/2026 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. **** verified - xxxxxx till xxxxxx SOL date - Due Diligence Vendor-02/09/2026 Open- - Due Diligence Vendor-02/09/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) 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 | ||||
| 855975 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-01-29 07:57 | 2026-02-15 07:30 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/15/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/15/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-01/29/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
855975_xxxxxx_-_Master_Condo_Policy.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855976 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 11:37 | 2026-02-25 14:55 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-02/19/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
855976_xxxxxx_HOI_with_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855976 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 12:02 | 2026-02-25 14:47 | Waived | 2 - Non-Material | C | B | Credit | Income | Borrower 1 Tax Returns Not Signed | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Tax Returns Not Signed. - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Employed in same profession > 5 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855976 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 12:02 | 2026-02-25 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Paystubs and VOE added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Paystubs Missing. VOE does nto validate YTD ernings and/or # days work week. - Due Diligence Vendor-02/19/2026 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
855976_xxxxxx_855976-xxxxxx-8.16.24_pay_stub_5_days-100150139.pdf 855976_xxxxxx_855976-xxxxxx-9.13.24_pay_stub_5_days-100150139.pdf 855976_xxxxxx_855976-xxxxxx-9.06.24_pay_stub_5_days-100150139.pdf 855976_xxxxxx_855976-xxxxxx-9.28.24_pay_stub_5_days-100150139.pdf 855976_xxxxxx_855976-xxxxxx-VOE_daily_pay-100150139.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855976 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-16 06:28 | 2026-02-24 10:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 4.12 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/24/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 4.12 are less than Guideline Required Reserves of 6 Audited Reserves of 4.12 months are less than Guideline Required Reserves of 6 months. - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 4.12 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Calculated DTI Is Less Than The Guideline Maximum By Five Percent Low Credit Usage Ratio Of Twenty-Five Percent |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855976 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 08:47 | 2026-02-23 08:48 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 855978 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-02-21 09:49 | 2026-02-21 09:49 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 | Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855978 | xxxxxx | C | B | C | A | B | B | A | A | Closed | xxxxxx | 2026-01-29 09:19 | 2026-02-20 14:56 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. No Lender comment provided only attachment - Due Diligence Vendor-02/20/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-01/29/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855978_xxxxxx_xxxxxx_HOI_explanation.docx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855979 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-01-29 15:18 | 2026-03-13 19:58 | Acknowledged | 3 - Material | C | C | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Acknowledged-SOL expiration xxxxxx - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Disagree; The initial CD disclosed $58.00 for the recording fees and $58.00 was also the final CD fee. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $50. Final charges to borrower $58. 10% tolerance cure in the amount of $3 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 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% ($58.00) exceed the comparable charges ($50.00) 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). - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/29/2026 |
Acknowledged-SOL expiration xxxxxx - Due Diligence Vendor-03/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855979_xxxxxx_-_100148684,_xxxxxx_-_Initial_Closing_Disclosure.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |||
| 855979 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-01-29 15:18 | 2026-03-13 19:57 | Acknowledged | 3 - Material | C | C | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Acknowledged-SOL expiration xxxxxx - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Disagree; The initial CD disclosed $58.00 for the recording fees and $58.00 was also the final CD fee. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $50. Final charges to borrower $58. 10% tolerance cure in the amount of $3 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-01/29/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/29/2026 |
Acknowledged-SOL expiration xxxxxx - Due Diligence Vendor-03/13/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review855979_xxxxxx_2_19_2026_73034_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |||
| 855979 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-01-29 15:18 | 2026-02-21 11:50 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Ready for Review-Document Uploaded. Disagree; The initial CD disclosed $58.00 for the recording fees and $58.00 was also the final CD fee. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 Open-****The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $50. Final charges to borrower $58. 10% tolerance cure in the amount of $3 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-01/29/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/29/2026 Open- - Due Diligence Vendor-01/29/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review855979_xxxxxx_xxxxxx_2_19_2026_73041_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |||
| 855979 | xxxxxx | C | C | A | A | C | C | A | A | Closed | xxxxxx | 2026-02-18 03:07 | 2026-02-21 11:50 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | 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. - Due Diligence Vendor-02/18/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |||||
| 855980 | xxxxxx | D | B | D | A | A | B | D | A | Closed | xxxxxx | 2026-02-14 03:01 | 2026-02-24 07:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Fraud report added - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report Provide Third Party Fraud Report for the Subject Property Located at xxxxxx - Due Diligence Vendor-02/14/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855980_xxxxxx_855980-xxxxxx-Third_Party_Fraud_Report-100143131.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855980 | xxxxxx | D | B | D | A | A | B | D | A | Closed | xxxxxx | 2026-02-14 02:52 | 2026-02-24 07:36 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Appraisal added - Due Diligence Vendor-02/23/2026 Open-Appraisal is Missing - Due Diligence Vendor-02/14/2026 |
Resolved-Appraisal has been provided - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review855980_xxxxxx_2_22_2026_80218_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855980 | xxxxxx | D | B | D | A | A | B | D | A | Closed | xxxxxx | 2026-02-16 02:30 | 2026-02-21 09:51 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855980 | xxxxxx | D | B | D | A | A | B | D | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-20 14:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/20/2026 Open-Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
855980_xxxxxx_855980.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855981 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 10:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
855981_xxxxxx_855981.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855981 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-19 22:15 | 2026-02-21 07:06 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855982 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-20 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/20/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
855982_xxxxxx_855982.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855982 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 09:04 | 2026-02-18 08:00 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-16 18:50 | 2026-03-03 17:41 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-retirement income documentation provided - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. I uploaded retirement statements from xxxxxx which can be used in lieu of a 1099. - Due Diligence Vendor-03/03/2026 Counter-Borrower is 1099, Missing 1099 from the Loan file as the 2 yrs personal Tax returns do not show any 1099 income being used - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Income calc uploaded - Due Diligence Vendor-02/25/2026 Open-Income 1 Months Income Verified is Missing Income 1 - xxxxxx Months Income Verified is Missing - Due Diligence Vendor-02/16/2026 |
Resolved-retirement income documentation provided - Due Diligence Vendor-03/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |
855984_xxxxxx__income_calc.pdf 855984_xxxxxx,_100153748_-_xxxxxx_Retiree_Account_Statement.pdf 855984_xxxxxx,_100153748_-_xxxxxx_Retirement_Statement.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-16 18:50 | 2026-02-25 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-evidence provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. VOE added with xxxxxx - Due Diligence Vendor-02/25/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing with the Company Name xxxxxx - Due Diligence Vendor-02/16/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/25/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |
855984_xxxxxx_855984-xxxxxx-B1_3rd_Party_VOE_prior_to_close_xxxxxx-100153748.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-16 20:12 | 2026-02-24 11:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited FICO of 697 is less than Guideline FICO of 700 - Due Diligence Vendor-02/24/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/23/2026 Open-Audited FICO of 697 is less than Guideline FICO of 700. Credit score exception required as noted on 1008. Nothing found in file - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited FICO of 697 is less than Guideline FICO of 700 - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More |
Original LTV Is Below The Guideline Maximum By Ten Percent Calculated DTI Is Less Than The Guideline Maximum By Five Percent Low Credit Usage Ratio Of Twenty-Five Percent |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-16 17:36 | 2026-02-21 11:52 | Waived | 2 - Non-Material | D | B | Compliance | Missing Doc | The Initial 1003 is Missing | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) 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 | ||||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-16 22:07 | 2026-02-21 11:52 | Waived | 2 - Non-Material | B | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) 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 | ||||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-16 22:08 | 2026-02-21 11:52 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Missing Loan Estimate | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-Initial LE is missing. - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) 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 | ||||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-16 22:09 | 2026-02-21 11:52 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Service Provider List is Missing | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-SSPL is missing. - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) 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 | ||||
| 855984 | xxxxxx | D | B | D | B | D | B | A | A | Closed | xxxxxx | 2026-02-21 11:51 | 2026-02-21 11:52 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) 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 | ||||
| 855987 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-18 09:40 | 2026-03-03 17:46 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Lender provided. - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-03/03/2026 Open-Document Uploaded. - Buyer-03/03/2026 Open-Missing satisfactory 3rd party appraisal review. - Due Diligence Vendor-02/18/2026 |
Resolved-Lender provided. - Due Diligence Vendor-03/03/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.8% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.84 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.12% Is Below The Guideline Maximum Of 84.99% By Ten Percent (10%) Or More |
855987_RDA.pdf 855987_xxxxxx_855987_RDA.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 855987 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-16 01:14 | 2026-03-03 17:45 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Final inspection uploaded. - Due Diligence Vendor-02/25/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present Missing 1004D saying construction is complete though a Certificate of Occupancy dated xxxxxx (page 149) is in file. - Due Diligence Vendor-02/18/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-02/25/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.8% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.84 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.12% Is Below The Guideline Maximum Of 84.99% By Ten Percent (10%) Or More |
855987_xxxxxx_xxxxxx_final_inspection.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 855987 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-16 15:41 | 2026-02-18 14:35 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.8% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.84 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 74.12% Is Below The Guideline Maximum Of 84.99% By Ten Percent (10%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||||
| 855988 | xxxxxx | D | B | D | A | A | B | C | A | Closed | xxxxxx | 2026-02-12 11:56 | 2026-02-25 12:19 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-CU score is 3.6 and LCA is 0. Provide desk review. - Due Diligence Vendor-02/12/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
855988_xxxxxx_855988_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855988 | xxxxxx | D | B | D | A | A | B | C | A | Closed | xxxxxx | 2026-02-18 03:10 | 2026-02-20 13:59 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855988 | xxxxxx | D | B | D | A | A | B | C | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-15 07:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided - Due Diligence Vendor-02/15/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/15/2026 Open-Subject is located in an individual assistance declared area for FEMA disaster xxxxxx PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided - Due Diligence Vendor-02/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |
855988_xxxxxx_855988.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855992 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 06:10 | 2026-02-17 17:30 | 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- Client exception granted with compensating factorsThis 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. *********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. *********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 855994 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-16 11:27 | 2026-02-25 12:18 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.8) Missing 3rd party valuation product. - Due Diligence Vendor-02/16/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.19 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
855994_xxxxxx_855994_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855994 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-18 16:48 | 2026-02-18 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- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.19 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855995 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 04:47 | 2026-02-20 15:04 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.75 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 855997 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-15 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided - Due Diligence Vendor-02/15/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/15/2026 Open-Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided - Due Diligence Vendor-02/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
855997_xxxxxx_855997.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 855997 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-12 11:58 | 2026-02-12 12:00 | 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- Client exception granted with compensating factorsThis 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. ***** xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***** xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.45% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856000 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-15 10:21 | 2026-02-25 16:03 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-02/25/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/25/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx. - Due Diligence Vendor-02/15/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Calculated DTI Is Less Than The Guideline Maximum By Five Percent Months Reserves Are Greater Than The Guideline Minimum By Six |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856000 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-20 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/20/2026 Open-Subject is located in an individual assistance declared area for FEMA disaster xxxxxx PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
856000_xxxxxx_856000.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856000 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-16 05:12 | 2026-02-18 18:49 | 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- Client exception granted with compensating factorsThis 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. xxxxxx - Outside xxxxxx SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx - Outside xxxxxx SOL - Due Diligence Vendor-02/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 856003 | xxxxxx | A | B | A | A | A | B | A | A | Closed | xxxxxx | 2026-02-16 23:25 | 2026-02-21 10:01 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Residual income is over 2x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856004 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-25 12:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/25/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 89.73% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 34.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
856004_xxxxxx_856004.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856004 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 08:43 | 2026-02-23 13:42 | 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- Client exception granted with compensating factorsThis 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. **** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. **** Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 89.73% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 34.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 856008 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-15 12:17 | 2026-02-24 07:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE provided no HOA - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. No HOA per borrower - Due Diligence Vendor-02/23/2026 Open-Provide Homeowners Association for the REO Property Located at the xxxxxx - Due Diligence Vendor-02/15/2026 |
Resolved-LOE provided no HOA - Due Diligence Vendor-02/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.91 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.91 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
856008_xxxxxx_856008-xxxxxx-_NO_HOA_per_borrower-100144054.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856008 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 05:13 | 2026-02-17 16:59 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Open- - Due Diligence Vendor-02/17/2026 Waived- Client exception granted with compensating factorsThis 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. 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.91 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.91 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) 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 | ||||
| 856009 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 13:50 | 2026-02-25 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Award Letter Missing | Resolved-evidence of start date provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Award Letter Incomplete. Offer letter fails to include a start date with xxxxxx - Due Diligence Vendor-02/23/2026 |
Resolved-evidence of start date provided - Due Diligence Vendor-02/25/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 856009_xxxxxx_856009-xxxxxx-Award_letter_Pg2_start_date_xxxxxx-100131883.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856009 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 13:47 | 2026-02-25 12:15 | Waived | 2 - Non-Material | C | B | Credit | Income | Borrower 1 Tax Returns Not Signed | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Tax Returns Not Signed. - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Residual income is over 2x the guideline minimum |
Compensating Factor 1 - Employed in same profession > 2 years Compensating Factor 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 | Originator Post-Close | No | xxxxxx | |||
| 856009 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 12:00 | 2026-02-23 15:20 | 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- Client exception granted with compensating factorsThis 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. ******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. ******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Residual income is over 2x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856011 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-19 13:08 | 2026-02-25 16:14 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. HOI with RCE added - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-02/19/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
856011_xxxxxx_HOI_with_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856011 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-19 13:19 | 2026-02-25 12:14 | Waived | 2 - Non-Material | C | B | Credit | Income | Borrower 1 Tax Returns Not Signed | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Tax Returns Not Signed. - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
Compensating Factor 1 - Credit Score 30+ points > minimum required Compensating Factor 2 - Current primary home ownership > 5 years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856011 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 16:17 | 2026-02-21 11:55 | Waived | 2 - Non-Material | C | B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-********Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $ $2,081.02. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 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. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856011 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 16:17 | 2026-02-21 11:55 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-********Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $ $2,081.02. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/20/2026 Open- - 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 $2,081.02.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-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856011 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 16:17 | 2026-02-21 11:55 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-********Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $ $2,081.02. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856011 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 16:17 | 2026-02-21 11:55 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-********Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $ $2,081.02. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856011 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 16:17 | 2026-02-20 12:29 | 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- Client exception granted with compensating factorsThis 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. **********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. **********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856014 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 08:21 | 2026-02-25 12:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing ID (Customer ID Program Checklist is blank) - Due Diligence Vendor-02/16/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
856014_xxxxxx_856014-xxxxxx-_CIPC-_B1_Citizenship-100141212.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856014 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 08:21 | 2026-02-25 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Missing ID (Customer ID Program Checklist is blank) - Due Diligence Vendor-02/16/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
856014_xxxxxx_856014-xxxxxx-_CIPC-_B2_Citizenship-100141212.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856014 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
856014_xxxxxx_856014.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856014 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 17:07 | 2026-02-20 15:51 | 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- Client exception granted with compensating factorsThis 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. ******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. ******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856016 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-16 12:53 | 2026-02-27 08:03 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.1) Missing appraisal desk review - Due Diligence Vendor-02/19/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
856016_xxxxxx_856016_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856016 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-16 12:53 | 2026-02-24 07:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 5.3 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/24/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 5.3 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 5.3 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Original LTV Is Below The Guideline Maximum By Ten Percent Calculated DTI Is Less Than The Guideline Maximum By Five Percent |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856016 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
856016_xxxxxx_856016.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856016 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-17 00:56 | 2026-02-20 14:55 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) 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 | ||||
| 856017 | xxxxxx | D | B | C | A | B | B | D | A | Closed | xxxxxx | 2026-02-13 15:00 | 2026-02-25 08:51 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-02/13/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
856017_xxxxxx_856017_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856017 | xxxxxx | D | B | C | A | B | B | D | A | Closed | xxxxxx | 2026-02-13 20:22 | 2026-02-25 08:50 | Resolved | 1 - Information | C | A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Proof 2025 Taxes have been Paid with copy of check and USPS label - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Copy of check to pay taxes along with UPS label uploaded. - Due Diligence Vendor-02/25/2026 Open-Tax search resulted in delinquent property tax lien of xxxxxx. Missing evidence taxes have been paid and are current. - Due Diligence Vendor-02/19/2026 |
Resolved-Proof 2025 Taxes have been Paid with copy of check and USPS label - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
856017_xxxxxx_proof_taxes_paid.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856017 | xxxxxx | D | B | C | A | B | B | D | A | Closed | xxxxxx | 2026-02-23 07:50 | 2026-02-23 07:51 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856019 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-17 01:23 | 2026-02-25 16:02 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 Ready for Review-Policy is HO3 with replacement cost coverage. HO3 policies are written to insure the dwelling at replacement cost. Insurers are required to insure the dwelling at full replacement cost unless specifically directed otherwise by the customer. The dwelling coverage equals the replacement cost determined by the insurer. Nothing additional to upload. - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx- Due Diligence Vendor-02/17/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 856019 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-19 11:29 | 2026-02-23 17:29 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-The following charges have increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $5,977.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $5,977.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 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 $5,977.80.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). validated - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856019 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-19 11:29 | 2026-02-23 17:29 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-The following charges have increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $5,977.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $5,977.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856019 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-19 11:29 | 2026-02-23 17:29 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-The following charges have increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $5,977.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $5,977.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856019 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-21 08:41 | 2026-02-21 08:42 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856019 | xxxxxx | C | B | C | B | C | B | A | A | Closed | xxxxxx | 2026-02-19 02:37 | 2026-02-19 18:32 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsAudited DTI of 47.09% exceeds Guideline DTI of 43% exception approved on 1008 - Due Diligence Vendor-02/19/2026 | Waived- Client exception granted with compensating factorsAudited DTI of 47.09% exceeds Guideline DTI of 43% exception approved on 1008 - Due Diligence Vendor-02/19/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 856020 | xxxxxx | C | B | A | A | A | B | C | A | Closed | xxxxxx | 2026-02-11 13:06 | 2026-02-25 12:12 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-LCA is 0 and CU is 3. Provide 3rd party valuation. - Due Diligence Vendor-02/11/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
856020_xxxxxx_856020_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856020 | xxxxxx | C | B | A | A | A | B | C | A | Closed | xxxxxx | 2026-02-11 12:26 | 2026-02-23 07:52 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 856021 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
856021_xxxxxx_856021.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856021 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-16 21:45 | 2026-02-20 14:45 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856021 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-16 14:07 | 2026-02-19 17:41 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsAudited DTI of 45.02% exceeds Guideline DTI of 43% Approved exception listed on 1008 - Due Diligence Vendor-02/16/2026 | Waived- Client exception granted with compensating factorsAudited DTI of 45.02% exceeds Guideline DTI of 43% Approved exception listed on 1008 - Due Diligence Vendor-02/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.03 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 856024 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-11 13:29 | 2026-02-11 13:32 | 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- Client exception granted with compensating factorsThis 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. *** outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. *** outside SOL - Due Diligence Vendor-02/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 87.91% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||||
| 856025 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-16 16:16 | 2026-02-25 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship\Residency Documentation Is Missing. - Due Diligence Vendor-02/16/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
856025_xxxxxx_856025-xxxxxx-CIPC-_B2_Citizenship-100149738.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856025 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-16 16:16 | 2026-02-25 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Citizenship\Residency Documentation Is Missing - Due Diligence Vendor-02/16/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
856025_xxxxxx_856025-xxxxxx-CIPC-_B1_Citizenship-100149738.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856025 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 14:18 | 2026-02-25 12:09 | Waived | 2 - Non-Material | C | B | Credit | Income | Borrower 2 Tax Returns Not Signed | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed - Due Diligence Vendor-02/25/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/25/2026 Open-Borrower 2 Tax Returns Not Signed - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines 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 | Originator Post-Close | No | xxxxxx | |||
| 856025 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 14:18 | 2026-02-25 12:09 | Waived | 2 - Non-Material | C | B | Credit | Income | Borrower 1 Tax Returns Not Signed | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Tax Returns Not Signed. - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Tax Returns Not Signed. - Due Diligence Vendor-02/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines 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 | Originator Post-Close | No | xxxxxx | |||
| 856025 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
856025_xxxxxx_856025.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856025 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-16 22:33 | 2026-02-20 15:12 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 23.37% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 89.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856027 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 28.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856027_xxxxxx_856027.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856027 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 22:42 | 2026-02-20 13:09 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 28.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856031 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 07:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
856031_xxxxxx_856031.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856031 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-20 14:26 | 2026-02-21 11:59 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Missing Closing Disclosure | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-***********Documentation provided does not contain the Initial Closing disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856031 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-20 13:30 | 2026-02-20 13:42 | 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- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.38 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856032 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 09:04 | 2026-02-20 09:37 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856033 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-14 22:23 | 2026-02-25 11:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided (HELOC) available credit balance is $249,950.00 - Credit Line is $250K - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Mortgage statement provided - Due Diligence Vendor-02/25/2026 Open-Missing mortgage Statement for xxxxxx A/C no xxxxxx Departing residence - Due Diligence Vendor-02/15/2026 |
Resolved-Mortgage statement provided (HELOC) available credit balance is $249,950.00 - Credit Line is $250K - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years |
856033_xxxxxx_-_Statement.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856033 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-14 21:48 | 2026-02-25 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Missing ID - Due Diligence Vendor-02/15/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years |
856033_xxxxxx_-_ID_B2.pdf 856033_xxxxxx_856033-xxxxxx-1003_shows_xxxxxx_citizen-100156096.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856033 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-14 21:48 | 2026-02-25 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. CIP checklist added - Due Diligence Vendor-02/25/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing ID - Due Diligence Vendor-02/15/2026 |
Resolved-Customer Identification Program Checklist provided - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years |
856033_xxxxxx_-_ID_B1.pdf 856033_xxxxxx_856033-xxxxxx-1003_shows_xxxxxx_citizen-100156096.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856033 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-18 18:32 | 2026-02-21 12:02 | Waived | 2 - Non-Material | C | B | Compliance | Closing Package | Other Compliance | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-******Documentation provided does not contain the Locked LE, ICD, Etc. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856033 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-18 18:33 | 2026-02-21 12:02 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-******Documentation provided does not contain the Initial Closing Disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/18/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856033 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-16 06:56 | 2026-02-18 18:30 | 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- Client exception granted with compensating factorsThis 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. xxxxxx - Outside xxxxxx SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx - Outside xxxxxx SOL - Due Diligence Vendor-02/18/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856035 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-20 14:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/20/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.17 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |
856035_xxxxxx_856035.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856035 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 13:54 | 2026-02-18 15:27 | 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- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. *****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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/18/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.17 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-18 12:10 | 2026-02-25 09:41 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) Appraisal desk review missing - Due Diligence Vendor-02/18/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856038_xxxxxx_856038_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 05:36 | 2026-02-24 07:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 796 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-02/24/2026 Ready for Review-Disagree; FICO score is 796; uploaded the Credit Report - Due Diligence Vendor-02/23/2026 Open-Audited FICO of is less than Guideline FICO of 700 Credit Report is Missing - Due Diligence Vendor-02/17/2026 |
Resolved-Audited FICO of 796 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 05:31 | 2026-02-24 07:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. xxxxxx statement added - Due Diligence Vendor-02/23/2026 Open-Asset 1 Missing xxxxxx checking & savings xxxxxx missing. - Due Diligence Vendor-02/17/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856038_xxxxxx_856038-xxxxxx_Statement-100114060.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 05:24 | 2026-02-24 07:57 | 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-02/24/2026 Ready for Review-Document Uploaded. CR added - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. Borrower 1 & Borrower 2 Credit Report is Missing. - Due Diligence Vendor-02/17/2026 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856038_xxxxxx_856038-xxxxxx-Credit_Report-100114060.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 04:02 | 2026-02-24 07:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. Fraud report added - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/17/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review856038_xxxxxx_2_22_2026_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 10:28 | 2026-02-23 18:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Missing TRID disclosures provided, no additional compliance findings - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. LE, CD, and changed circumstance added - Due Diligence Vendor-02/23/2026 Open-******Documentation provided does not contain the the entire TRID disclosure history. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/17/2026 |
Resolved-Missing TRID disclosures provided, no additional compliance findings - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review856038_xxxxxx_2_22_2026_71415_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-18 17:19 | 2026-02-23 18:21 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-Missing TRID disclosures provided, no additional compliance findings - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. LE, CD, and changed circumstance added - Due Diligence Vendor-02/23/2026 Open-******Documentation provided does not contain the the entire TRID disclosure history. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/18/2026 |
Resolved-Missing TRID disclosures provided, no additional compliance findings - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review856038_xxxxxx_2_22_2026_71400_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-23 17:59 | 2026-02-23 18:20 | 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- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 02:54 | 2026-02-23 18:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. LE, CD, and changed circumstance added - Due Diligence Vendor-02/23/2026 Open-TRID: Missing Final Closing Disclosure ******Documentation provided does not contain the the entire TRID disclosure history. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/17/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review856038_xxxxxx_2_22_2026_71417_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 10:23 | 2026-02-23 17:52 | Waived | 2 - Non-Material | C | B | Compliance | TRID | CHARM Booklet is Missing | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Ready for Review-This should be 1 year SOL and loan is dated. SOL is over. please remove or downgrade - Due Diligence Vendor-02/23/2026 Open-CHARM Booklet is Missing - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856038 | xxxxxx | D | B | D | A | D | B | C | A | Closed | xxxxxx | 2026-02-17 02:20 | 2026-02-23 17:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-Documentation provided is sufficient. xxxxxx - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. ARM Added - Due Diligence Vendor-02/23/2026 Open-ADJUSTABLE RATE RIDER IS MISSING (ARM) - Due Diligence Vendor-02/17/2026 |
Resolved-Documentation provided is sufficient. xxxxxx - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856038_xxxxxx_856038-xxxxxx-ARM_Rider-100114060.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856039 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 09:56 | 2026-02-19 18:25 | 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- Client exception granted with compensating factorsThis 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. *********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. *********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 71.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856040 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-16 01:15 | 2026-02-24 08:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. I797 added - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing Citizenship Documentation for Borrower 1 – Non-Permanent Resident Card not yet provided. - Due Diligence Vendor-02/16/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/24/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 86.35% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 36.29% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
856040_xxxxxx_856040-xxxxxx-1-797A_for_Citizenship-100141393.pdf 856040_xxxxxx_856040-xxxxxx-Temp_DL-100141393.pdf |
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 | |||
| 856040 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-20 14:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/20/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 86.35% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 36.29% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
856040_xxxxxx_856040.pdf | 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 | |||
| 856040 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-02-17 08:54 | 2026-02-17 08:57 | 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- Client exception granted with compensating factorsThis 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. Outside SOL - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside SOL - Due Diligence Vendor-02/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 86.35% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 36.29% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
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 | ||||
| 856041 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-17 09:24 | 2026-08-27 16:45 | 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 expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - 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. xxxxxx until xxxxxx SOL date. SOL date should reflect 12 months from the consummation date. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856041 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 17:32 | 2026-08-27 16:45 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-The following charges have increased: Credit Report Fee resulting in a 0% tolerance cure in the amount of $194.85. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $194.85 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856041 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 17:32 | 2026-08-27 16:44 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-The following charges have increased: Credit Report Fee resulting in a 0% tolerance cure in the amount of $194.85. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $194.85 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856041 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 17:32 | 2026-08-27 16:44 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-The following charges have increased: Credit Report Fee resulting in a 0% tolerance cure in the amount of $194.85. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $194.85 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/17/2026 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 $194.85.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-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856041 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 08:32 | 2026-02-27 15:06 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-02/16/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6.83 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856041_xxxxxx_856041_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856043 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-19 23:36 | 2026-02-20 16:24 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 23.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856044 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-11 14:18 | 2026-02-20 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-PRA Card provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. Permanent Resident card added - Due Diligence Vendor-02/20/2026 Open-Borrower 1 Citizenship Documentation Is Missing Missing Work Visa or Green Card with nation of origin. - Due Diligence Vendor-02/11/2026 |
Resolved-PRA Card provided - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
856044_xxxxxx_856044-xxxxxx-Citizenship_Doc-100148362.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856044 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-15 07:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided - Due Diligence Vendor-02/15/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/15/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided - Due Diligence Vendor-02/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
856044_xxxxxx_856044.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856044 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-11 16:04 | 2026-02-11 16:05 | 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- Client exception granted with compensating factorsThis 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. 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsThis 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. 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/11/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856047 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 00:46 | 2026-02-25 16:12 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 Ready for Review-Policy has replacement cost coverage. The dwelling coverage equals the replacement cost determined by the insurer. Nothing additional to upload. - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing evidence of sufficient hazard coverage OR satisfactory RCE. - Due Diligence Vendor-02/17/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.28% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 856047 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 08:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.28% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
856047_xxxxxx_856047.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856047 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 14:15 | 2026-02-20 10:09 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.28% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) 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 | ||||
| 856048 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-02-14 03:54 | 2026-02-25 16:11 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx- Due Diligence Vendor-02/14/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.54 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
856048_xxxxxx__HOI_with_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856048 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-02-16 05:27 | 2026-02-21 10:08 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.54 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) 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 | ||||
| 856048 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-20 14:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/20/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.54 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
856048_xxxxxx_856048.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856050 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-23 11:56 | 2026-02-26 22:32 | Waived | 2 - Non-Material | C | B | Credit | Title | Potential Ownership issues identified in file | Waived- Client exception granted with compensating factorsClient exception granted to waive name variance. correction affidavit to be filed - Due Diligence Vendor-02/27/2026 Open-Title search resulted in mismatch in current vesting xxxxxx which differs from closing docs of xxxxxx - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsClient exception granted to waive name variance. correction affidavit to be filed - Due Diligence Vendor-02/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856050 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years |
856050_xxxxxx_856050.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856050 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-17 06:02 | 2026-02-21 12:23 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-The following charges have been either added or increased: Appraisal and Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $200.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $200 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - 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 $200.00.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). The following charges have been either added or increased: Appraisal fee Fee$75 and appraisal re inspection fee $125 resulting in a 0% tolerance cure in the amount of $200. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $200 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856050 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-17 06:02 | 2026-02-21 12:23 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-The following charges have been either added or increased: Appraisal and Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $200.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $200 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856050 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-17 06:02 | 2026-02-21 12:23 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-The following charges have been either added or increased: Appraisal and Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $200.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $200 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856050 | xxxxxx | D | B | D | B | C | B | A | A | Closed | xxxxxx | 2026-02-17 06:02 | 2026-02-20 09:54 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856051 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-15 04:58 | 2026-02-27 15:05 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) A Third Party Valuation Product Was Not Provided. - Due Diligence Vendor-02/15/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856051_xxxxxx_856051_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856051 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 01:06 | 2026-02-21 12:26 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Missing Closing Disclosure | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.***********Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856051 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 01:07 | 2026-02-21 12:26 | Waived | 2 - Non-Material | C | B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 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 02/27/2024 and 02/27/2024. ******Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856051 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 01:07 | 2026-02-18 15:27 | 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- Client exception granted with compensating factorsThis 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. ***********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. ***********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/18/2026 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 98.67 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856052 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 08:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.54% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
856052_xxxxxx_856052.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856052 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 05:36 | 2026-02-19 17:37 | 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- Client exception granted with compensating factorsThis 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. *******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/19/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. *******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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/19/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.54% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856054 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 13:41 | 2026-02-24 08:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 51.83% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/24/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 51.83% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/19/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 51.83% exceeds Guideline DTI of 50% - Due Diligence Vendor-02/24/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Original LTV Is Below The Guideline Maximum By Ten Percent Low Credit Usage Ratio Of Twenty-Five Percent |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856054 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-02-20 14:20 | 2026-02-20 14:23 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856055 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-18 13:53 | 2026-02-25 09:37 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/25/2026 Open-CU score is 2.8 and LCA score is 4.5. Provide 3rd party valuation. - Due Diligence Vendor-02/18/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/25/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.44% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 17.44% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 33.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 265.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.42 Years |
856055_xxxxxx_856055_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856055 | xxxxxx | C | B | A | A | B | B | C | A | Closed | xxxxxx | 2026-02-16 00:59 | 2026-02-21 12:28 | 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- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Ready for Review-Please complete/waive the condition. xxxxxx is ok with Compliance xxxxxx. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/18/2026 Acknowledged-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. At the direction of management, finding was Acknowledged and updated to xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Acknowledged-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. At the direction of management, finding was Acknowledged and updated to xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.44% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Original LTV Of 17.44% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Calculated DTI Of 33.41% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 265.29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.42 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856056 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-02-13 21:36 | 2026-02-26 14:41 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/26/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. HOI with RCE - Due Diligence Vendor-02/26/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-02/14/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/26/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
856056_xxxxxx_HOI_with_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856056 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-02-19 15:55 | 2026-02-25 12:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Final Title Policy dated xxxxxx provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. Title policy and commitment added - Due Diligence Vendor-02/25/2026 Open-Title search resulted in evidence of judgement liens on the subject property ahead of the subject loan. Missing evidence these are paid in full and subject loan is in first lien position. - Due Diligence Vendor-02/19/2026 |
Resolved-Final Title Policy dated xxxxxx provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
856056_xxxxxx_-_Title_Policy.pdf 856056_xxxxxx_-_Title_Commitment.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856056 | xxxxxx | D | B | D | A | B | B | D | A | Closed | xxxxxx | 2026-02-16 02:07 | 2026-02-17 16:23 | 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- Client exception granted with compensating factorsThis 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. ********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. ********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856057 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-21 11:44 | 2026-02-23 17:27 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Missing Closing Disclosure | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-******Documentation provided does not contain the Initial closing disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.72 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 24.72 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856057 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-21 11:39 | 2026-02-21 11:39 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.72 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months Months Reserves Of 24.72 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856059 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-01-29 11:36 | 2026-02-21 12:32 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Missing Closing Disclosure | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Ready for Review-Document Uploaded. LEs'/CDs added - Due Diligence Vendor-02/20/2026 Open-******Documentation provided does not contain the Initial closing disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-01/29/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review856059_xxxxxx_2_19_2026_82114_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | |||
| 856059 | xxxxxx | C | B | A | A | C | B | A | A | Closed | xxxxxx | 2026-02-21 12:30 | 2026-02-21 12:31 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/21/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856062 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-14 23:20 | 2026-02-25 16:07 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-02/15/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.48 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.92 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
856062_xxxxxx_HOI_with_email_stating_Full_Replacement_Cost.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856062 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-02-16 06:34 | 2026-02-21 12:33 | Acknowledged | 3 - Material | C | C | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-SOL expired xxxxxx - Due Diligence Vendor-09/01/2026 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. ***********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. **** verified - xxxxxx till xxxxxx SOL date - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-09/01/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.48 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.92 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856063 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 07:14 | 2026-08-27 18:30 | Waived | 2 - Non-Material | C | B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-***** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Residual income is over 2x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856063 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 07:14 | 2026-08-27 17:10 | 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 expiration xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Ready for Review-xxxxxx agrees to accept as xxxxxx, SOL 1 yr, Expires xxxxxx. Please add notes to securitization tape. - Due Diligence Vendor-02/20/2026 Open-**** xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived-SOL expiration xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Residual income is over 2x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856063 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-02-16 07:10 | 2026-08-27 17:07 | Waived | 2 - Non-Material | C | B | Compliance | TRID | TRID: Missing Closing Disclosure | Waived-SOL expiration xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open-******Documentation provided does not contain the Initial closing Disclosure is Missing. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/16/2026 |
Waived-SOL expiration xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Residual income is over 2x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856063 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-02-17 02:22 | 2026-02-17 02:22 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 684 is less than Guideline FICO of 700 Lender exception for primary wage earner score being below minimum as seen on 1008 - Due Diligence Vendor-02/17/2026 | Waived-Audited FICO of 684 is less than Guideline FICO of 700 Lender exception for primary wage earner score being below minimum as seen on 1008 - Due Diligence Vendor-02/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Residual income is over 2x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 856064 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-15 13:38 | 2026-02-25 11:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. VOR added - Discover statement showing payments - Due Diligence Vendor-02/25/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-02/15/2026 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/25/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.52 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 817 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856064_xxxxxx_-_VOR.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856064 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 08:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.52 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 817 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856064_xxxxxx_856064.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856064 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 09:05 | 2026-02-20 13:21 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.52 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 817 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856065 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-01-29 00:29 | 2026-02-24 08:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. CIP added - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-01/29/2026 |
Resolved-evidence provided - Due Diligence Vendor-02/24/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.17% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
856065_xxxxxx_856065-xxxxxx-CIP-100143629.pdf 856065_xxxxxx_856065-xxxxxx-1003-_xxxxxx_citizen-100143629.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856065 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-02-11 14:49 | 2026-02-21 10:12 | Waived | 2 - Non-Material | A | B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 Open- - Due Diligence Vendor-02/11/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/21/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.17% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856065 | xxxxxx | D | B | D | A | A | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-15 07:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided - Due Diligence Vendor-02/15/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/15/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided - Due Diligence Vendor-02/15/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.17% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.85 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
856065_xxxxxx_856065.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856067 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-20 15:50 | 2026-03-04 10:56 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-updated citizenship provided - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. see attached. B2 is xxxxxx, xxxxxx 1003 attached - Due Diligence Vendor-03/03/2026 Counter-Missing B2 PRA card OR non permanent resident identification. 2 Borrowers on Loan - B1 is a PRA per the card provided in this condition however the Application state for Both Borrowers that they are Non-Permanent Non-xxxxxx - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. non xxxxxx doc & CIP uploaded - Due Diligence Vendor-02/26/2026 Open-Missing non permanent resident identification. - Due Diligence Vendor-02/20/2026 |
Resolved-updated citizenship provided - Due Diligence Vendor-03/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 79.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
856067_xxxxxx_non_citizen_doc.docx 856067_xxxxxx_B2_citizenship.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856067 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-23 11:08 | 2026-02-26 22:09 | Waived | 2 - Non-Material | C | B | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Waived- Client exception granted with compensating factorsClient exception granted to waive non material title search result - Due Diligence Vendor-02/27/2026 Ready for Review-This is not a material defect; the legal description in the Security Instrument matches Title - Due Diligence Vendor-02/26/2026 Open-Title search resulted in mismatch of property address data - closing documents are missing xxxxxx from property address. - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsClient exception granted to waive non material title search result - Due Diligence Vendor-02/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 79.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856067 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 79.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
856067_xxxxxx_856067.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856067 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-17 03:56 | 2026-02-20 13:49 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 79.9% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856068 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 02:08 | 2026-02-18 07:47 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/18/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 808 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856070 | xxxxxx | B | B | A | A | B | B | A | A | Closed | xxxxxx | 2026-02-16 05:07 | 2026-02-20 15:56 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.05% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 89.99% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.72 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856071 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 19:06 | 2026-02-25 14:43 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/25/2026 Ready for Review-please waive with valid compensating factors - Due Diligence Vendor-02/25/2026 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Calculated DTI Is Less Than The Guideline Maximum By Five Percent Months Reserves Are Greater Than The Guideline Minimum By Six |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856071 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-19 19:06 | 2026-02-25 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | 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-02/25/2026 Ready for Review-Document Uploaded. VOE added - Due Diligence Vendor-02/25/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/20/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/25/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
856071_xxxxxx_856071-xxxxxx-Third_party_VOE_B2_prior_to_close-100141694.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856071 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-24 08:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI stating Free and clear of disaster related damage - Due Diligence Vendor-02/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
856071_xxxxxx_856071.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856071 | xxxxxx | D | B | D | B | B | B | A | A | Closed | xxxxxx | 2026-02-20 03:28 | 2026-02-20 15:30 | 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) 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 | ||||
| 856072 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 11:03 | 2026-02-27 15:04 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-PRA Card provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. PRA card added (redacted) - Due Diligence Vendor-02/27/2026 Open-Missing Permanent Resident Card. - Due Diligence Vendor-02/23/2026 |
Resolved-PRA Card provided - Due Diligence Vendor-02/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 42.86% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856072_xxxxxx_Permanent_Resident_card.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856072 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-23 11:49 | 2026-02-26 22:11 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Title search address variance deemed non material and does not impact enforceability or loan quality - Due Diligence Vendor-02/27/2026 Ready for Review-Disagree - This is not a material defect, the Schedule A of the Title Policy and Security Instrument match 100%. Uploaded both. Also, assessor's parcel number match final title and appraisal. please review to clear - Due Diligence Vendor-02/26/2026 Counter-Document Uploaded. The Note & DOT both reflect the word xxxxxx next to xxxxxx however the Title Policy states the word xxxxxx - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-02/25/2026 Ready for Review-the above exception may not be valid as in the exception notes, the address's match. also, assessor's parcel number match final title and appraisal. please review to clear - Due Diligence Vendor-02/25/2026 Open-Title search resulted in address variation; closing docs list xxxxxx title search lists xxxxxx - Due Diligence Vendor-02/23/2026 |
Resolved-Title search address variance deemed non material and does not impact enforceability or loan quality - Due Diligence Vendor-02/27/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 42.86% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856072_xxxxxx_-_Title_Policy.pdf 856072_xxxxxx_-_Security_Instrument.pdf Screenshot 2026-02-25 152417.jpg Screenshot 2026-02-25 152506.jpg Screenshot 2026-02-25 152554.jpg |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856072 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-23 14:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/23/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/23/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/23/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 42.86% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
856072_xxxxxx_856072.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856072 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-02-17 11:35 | 2026-02-20 16:25 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/20/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 42.86% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.09% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856075 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 00:46 | 2026-02-25 11:45 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Documents provided of proof of repairs completed with Invoices - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. appraisal was subject to xxxxxx. Inspection report & Hold Harmless uploaded along with invoice and evidence of invoice payment. - Due Diligence Vendor-02/25/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present completion report is missing - Due Diligence Vendor-02/19/2026 |
Resolved-Documents provided of proof of xxxxxx completed with Invoices - Due Diligence Vendor-02/25/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 93.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.83 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
856075_xxxxxx_inspection_report.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856075 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 10:49 | 2026-02-23 17:35 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-****The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of $136.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $136.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - 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 $136.00.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-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 93.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.83 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856075 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 10:49 | 2026-02-23 17:35 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-****The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of $136.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $136.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 93.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.83 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856075 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-16 10:49 | 2026-02-23 17:35 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open-****The following charges have been either added or increased: Credit Report resulting in a 0% tolerance cure in the amount of $136.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $136.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsOutside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 93.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.83 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856075 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-20 17:16 | 2026-02-20 17:16 | 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- Client exception granted with compensating factorsThis 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. ********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 Open- - Due Diligence Vendor-02/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. ********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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/20/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 93.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.83 Are Greater Than The Guideline Minimum Of 18 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856078 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-11 01:29 | 2026-02-20 14:27 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-PRA cards for both borrowers provided - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. IDs added - Due Diligence Vendor-02/20/2026 Open-Borrower and Co Borrower Bother are PRA however the The Photo identification Missing for PRA. - Due Diligence Vendor-02/11/2026 |
Resolved-PRA cards for both borrowers provided - Due Diligence Vendor-02/20/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.43 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.96% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
856078_xxxxxx_-_ID_B1.pdf 856078_xxxxxx_-_ID_B2.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856078 | xxxxxx | C | B | C | A | B | B | C | A | Closed | xxxxxx | 2026-02-12 15:09 | 2026-02-12 15:11 | 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- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx – Outside SOL - Due Diligence Vendor-02/12/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.43 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.96% Is Below The Guideline Maximum Of 95% By Ten Percent (10%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856079 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-23 08:53 | 2026-08-27 18:33 | 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 expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-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. xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived-SOL expired xxxxxx - Due Diligence Vendor-08/27/2026 Acknowledged-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. xxxxxx until xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 21.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 46.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 856079 | xxxxxx | C | B | A | A | C | B | C | A | Closed | xxxxxx | 2026-02-17 05:46 | 2026-02-27 08:02 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-02/27/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-02/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) Third Party Valuation Product Was Not Provided. - Due Diligence Vendor-02/17/2026 |
Resolved-CDA provided - Due Diligence Vendor-02/27/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 21.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 46.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years |
856079_xxxxxx_856079_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856081 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-02-14 15:26 | 2026-02-25 16:06 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $660800 - Due Diligence Vendor-02/25/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx The current hazard insurance coverage of xxxxxx falls short of the minimum required amount of $xxxxxx, and a Replacement Cost Estimator has not yet been provided. - Due Diligence Vendor-02/14/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $660800 - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Original LTV Is Below The Guideline Maximum By Ten Percent Low Credit Usage Ratio Of Twenty-Five Percent (25%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856081 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-02-14 14:47 | 2026-02-25 07:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/25/2026 Ready for Review-Document Uploaded. 1003 added - Due Diligence Vendor-02/23/2026 Open-The Final 1003 is Incomplete It appears Page 1 of the Final 1003 is currently missing. - Due Diligence Vendor-02/14/2026 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
856081_OH_856081-xxxxxx-1003_Final_1st_page-100132562.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856081 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-01-28 15:22 | 2026-02-20 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-02/20/2026 Open-PDI Needed - Due Diligence Vendor-01/28/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
856081_OH_856081.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856081 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-02-14 16:54 | 2026-02-20 14:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 44.3% exceeds Guideline DTI of 43% Edit Delete - Due Diligence Vendor-02/20/2026 Ready for Review-Please waive with verified compensation factors - Due Diligence Vendor-02/20/2026 Open-Audited DTI of 44.3% exceeds Guideline DTI of 43% The audited DTI of 44.3% is slightly above the 43% guideline; however, the variance is minimal and the overall profile remains strong. With compensating factors in place, the file continues to present well for consideration. - Due Diligence Vendor-02/14/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 44.3% exceeds Guideline DTI of 43% Edit Delete - Due Diligence Vendor-02/20/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Low Credit Usage Ratio Of Twenty-Five Percent (25%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856081 | xxxxxx | D | B | D | B | D | B | C | A | Closed | xxxxxx | 2026-02-16 04:17 | 2026-02-17 15:01 | 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 with compensating factorsThis 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 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. - Due Diligence Vendor-02/16/2026 Open- - Due Diligence Vendor-02/16/2026 |
Waived- Client exception granted with compensating factorsThis 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. Waived xxxxxx - outside SOL - Due Diligence Vendor-02/17/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) 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 | ||||
| 856030 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-23 15:09 | 2026-02-26 14:50 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. 1008 - Due Diligence Vendor-02/26/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/23/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
856030_xxxxxx_-_1008.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856030 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-23 14:43 | 2026-02-26 14:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. VVOE added - Due Diligence Vendor-02/26/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/23/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
856030_xxxxxx_-_VVOE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 856030 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-23 13:49 | 2026-02-25 11:59 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Neighborhood Location Not Allowed for Program - Due Diligence Vendor-02/25/2026 Ready for Review-please waive with valid compensating factors - Due Diligence Vendor-02/25/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Neighborhood Location Not Allowed for Program - Due Diligence Vendor-02/25/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty Original LTV Is Below The Guideline Maximum By Ten Percent Calculated DTI Is Less Than The Guideline Maximum By Five Percent |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 856030 | xxxxxx | D | B | D | B | B | B | C | A | Closed | xxxxxx | 2026-02-23 16:33 | 2026-02-23 18:30 | 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- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-02/23/2026 |
Waived- Client exception granted with compensating factorsThis 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. Outside xxxxxx SOL date - Due Diligence Vendor-02/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 90% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) 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 | ||||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 07:57 | 2026-04-01 15:45 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-***Received Locked LE. We are still missing a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 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% ($134.00) exceed the comparable charges ($0.00) 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). - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_30_2026_40506_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 07:57 | 2026-04-01 15:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-***Received Locked LE. We are still missing a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_30_2026_40547_PM.zip 861358_xxxxxx_Initial_LE.pdf 861366_xxxxxx_Disclosure_Tracking.pdf 861366_xxxxxx_LE_xxxxxx.pdf 861366_xxxxxx_CD_xxxxxx.pdf 861366_xxxxxx_CD_xxxxxx.pdf 861366_xxxxxx_LE_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 07:57 | 2026-04-01 15:45 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-***Received Locked LE. We are still missing a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 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 $2,949.60.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-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_30_2026_40535_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 07:57 | 2026-04-01 15:45 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-***Received Locked LE. We are still missing a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_30_2026_40557_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 07:57 | 2026-04-01 15:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-***Received Locked LE. We are still missing a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-04/01/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_30_2026_40521_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 02:33 | 2026-03-23 08:00 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received SSPL - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. seller provider list added- dated xxxxxx - Due Diligence Vendor-03/18/2026 Open-Application Date is xxxxxx, Service Provider List is not provided within 3 business days of application. - Due Diligence Vendor-03/13/2026 |
Resolved-**Received SSPL - Due Diligence Vendor-03/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_17_2026_44731_PM.zip 861366_xxxxxx-seller_provider_list.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 02:34 | 2026-03-23 08:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-**Received llocked LE - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-Missing Locked LE **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-03/13/2026 |
Resolved-**Received llocked LE - Due Diligence Vendor-03/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_17_2026_44737_PM.zip 861366_xxxxxx_Locked_LE.pdf 861366_xxxxxx_Disclosure_Tracking_Reasons_(LE).pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861366 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 02:25 | 2026-03-23 08:00 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-**Received - Due Diligence Vendor-03/23/2026 Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-ARM Disclosure is Missing ***** Initial ARM Disclosure, required to be delivered to the borrower within 3 days of ARM loan application, or program change to an ARM, has not been provided. - Due Diligence Vendor-03/13/2026 |
Resolved-**Received - Due Diligence Vendor-03/23/2026 Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/23/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Full Review861366_xxxxxx_3_17_2026_44735_PM.zip 861366_xxxxxx_Initial_ARM_disclosures.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861365 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 08:07 | 2026-03-23 11:44 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received ILE and ICD - Due Diligence Vendor-03/23/2026 Counter-SPL has been provided. However, the missing Initial Loan Estimate (refer to other findings) has not been submitted. Therefore, the baseline SPL cannot be established, and the related compliance testing, cannot be performed.~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open- - Due Diligence Vendor-03/13/2026 |
Resolved-***Received ILE and ICD - Due Diligence Vendor-03/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.28 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 30.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 35.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review861365_xxxxxx_3_17_2026_44450_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861365 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 00:48 | 2026-03-23 11:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-**Received ILE and ICD - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-Initial LE missing. - Due Diligence Vendor-03/13/2026 |
Resolved-**Received ILE and ICD - Due Diligence Vendor-03/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.28 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 30.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 35.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review861365_xxxxxx_3_18_2026_100953_AM.zip 861365_xxxxxx_Initial_LE.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861365 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 00:48 | 2026-03-23 11:44 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received ILE and ICD - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-Initial closing disclosure is missing. - Due Diligence Vendor-03/13/2026 |
Resolved-**Received ILE and ICD - Due Diligence Vendor-03/23/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.28 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 30.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 35.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review861365_xxxxxx_3_18_2026_100956_AM.zip 861365_xxxxxx_Initial_CD.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861365 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 00:36 | 2026-03-18 08:43 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/13/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.28 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 30.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 35.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review861365_xxxxxx_3_17_2026_44456_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861365 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 00:36 | 2026-03-18 08:43 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-ARM Disclosure is Missing - Due Diligence Vendor-03/13/2026 |
Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/18/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.28 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 30.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 35.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review861365_xxxxxx_3_17_2026_44452_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861364 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-12 11:27 | 2026-03-28 09:46 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received missing disclosures - Due Diligence Vendor-03/28/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/28/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/12/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-03/28/2026 |
Full Review861364_xxxxxx_3_23_2026_44406_PM.zip 861364_xxxxxx-TRID.pdf 861364_xxxxxx-loan_estimates.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861363 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-12 09:14 | 2026-03-30 11:18 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-03/30/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-03/27/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.9) Provide 3rd party review for property located at xxxxxx , as required per guidelines. - Due Diligence Vendor-03/12/2026 |
Resolved-CDA provided - Due Diligence Vendor-03/30/2026 | 861363_xxxxxx_861363_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861363 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-13 10:20 | 2026-03-30 11:17 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Income 2 Months Income Verified is Missing missing proof of the payment $312.27 to account for the remaining unverified from the $1631.55 stated. (REO xxxxxx) - Due Diligence Vendor-03/13/2026 |
Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/23/2026 |
861363_xxxxxx-income_statement.pdf 861363_xxxxxx-credit_mtg_statement.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861363 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-12 19:43 | 2026-03-20 15:52 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received missing disclosures. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-******Documentation provided does not contain the_ Initial Loan Estimate Missing. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-03/12/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-03/20/2026 |
Full Review861363_xxxxxx_3_18_2026_100919_AM.zip 861363_xxxxxx-_LEs.pdf 861363_xxxxxx-CDs.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861363 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-12 10:23 | 2026-03-20 15:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Mortgage Insurance Cert Missing | Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Provide Mortgage Insurance Document for the Subject Property Located at the xxxxxx - Due Diligence Vendor-03/12/2026 |
Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided - Due Diligence Vendor-03/19/2026 |
861363_xxxxxx-insurance.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861363 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-03-12 19:41 | 2026-03-20 15:37 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable **Received. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-ARM Disclosure is Missing - Due Diligence Vendor-03/13/2026 |
Resolved-ARM Disclosure is Present or Not Applicable **Received. - Due Diligence Vendor-03/20/2026 |
Full Review861363_xxxxxx_3_18_2026_100921_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861362 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 13:03 | 2026-03-31 14:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-xxxxxx provided - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Open-Identification for Borrower # 1 Missing - Due Diligence Vendor-03/13/2026 |
Resolved-xxxxxx provided - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 19.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 34.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 47.14% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.60 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.60 Years |
861362_xxxxxx-patriot_act.pdf 861362_xxxxxx-ID.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 861362 | xxxxxx | D | A | C | A | D | A | A | A | Closed | xxxxxx | 2026-03-13 18:50 | 2026-03-20 13:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Initial Disclosure Package | Resolved-**Received missing disclosures. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-Initial LE, Rate Lock & Service Provider's List - Due Diligence Vendor-03/13/2026 |
Resolved-**Received missing disclosures. - Due Diligence Vendor-03/20/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 19.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 34.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 47.14% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.60 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.60 Years |
Full Review861362_xxxxxx_3_18_2026_101324_AM.zip 861362_xxxxxx-seller_list.pdf 861362_xxxxxx-rate_lock_disc.pdf 861362_xxxxxx-Les.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 861361 | xxxxxx | C | A | B | A | C | A | A | A | Closed | xxxxxx | 2026-03-13 15:47 | 2026-03-31 16:29 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-******Documentation provided does not contain the Initial Loan Estimate and Revised Loan Estimate . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-03/13/2026 Open-******Documentation provided does not contain the Loan estimate is missing Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/13/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Full Review861361_xxxxxx_3_23_2026_42918_PM.zip 861361_xxxxxx-TRID.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861361 | xxxxxx | C | A | B | A | C | A | A | A | Closed | xxxxxx | 2026-03-31 16:25 | 2026-03-31 16:29 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 Resolved- - Due Diligence Vendor-03/31/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/31/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861361 | xxxxxx | C | A | B | A | C | A | A | A | Closed | xxxxxx | 2026-03-31 16:25 | 2026-03-31 16:29 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 Resolved- - Due Diligence Vendor-03/31/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/31/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861361 | xxxxxx | C | A | B | A | C | A | A | A | Closed | xxxxxx | 2026-03-31 16:25 | 2026-03-31 16:29 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 Resolved- - Due Diligence Vendor-03/31/2026 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% ($13,997.85) exceed the comparable charges ($182.00) 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). - Due Diligence Vendor-03/31/2026 |
Resolved-Received missing disclosures - Due Diligence Vendor-03/31/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861361 | xxxxxx | C | A | B | A | C | A | A | A | Closed | xxxxxx | 2026-03-13 13:31 | 2026-03-25 09:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/13/2026 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 861361_xxxxxx_1008_-_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-14 23:15 | 2026-04-24 12:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Re-recorded Mortgage dated xxxxxx with PUD rider provided - Due Diligence Vendor-04/24/2026 Open-PUD Rider is Missing PUD Rider is missing - Due Diligence Vendor-03/15/2026 |
Resolved-Re-recorded Mortgage dated xxxxxx with PUD rider provided - Due Diligence Vendor-04/24/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 11:33 | 2026-04-01 16:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**N/A - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/20/2026 |
Resolved-**N/A - Due Diligence Vendor-04/01/2026 Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 11:33 | 2026-04-01 16:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**N/A - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/20/2026 |
Resolved-**N/A - Due Diligence Vendor-04/01/2026 Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 11:33 | 2026-04-01 16:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**N/A - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 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% ($6,815.42) exceed the comparable charges ($5,376.00) 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). - Due Diligence Vendor-03/20/2026 |
Resolved-**N/A - Due Diligence Vendor-04/01/2026 Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 11:33 | 2026-04-01 16:07 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-LE provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-***Received Initial LE; missing evidence of rate lock and any re-locks, missing revised LE/CD issued within 3 business days of the rate lock date. - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 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. - Due Diligence Vendor-03/20/2026 |
Resolved-LE provided - Due Diligence Vendor-04/01/2026 | Full Review861360_xxxxxx_3_30_2026_45421_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-16 00:01 | 2026-03-20 11:50 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. LE - Due Diligence Vendor-03/19/2026 Open- Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-03/16/2026 |
Resolved-***Received Initial LE - Due Diligence Vendor-03/20/2026 |
Full Review861360_xxxxxx_3_19_2026_90217_AM.zip 861360_xxxxxx_Loan_Estimate_(Alternate).pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-15 23:57 | 2026-03-20 10:46 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-ARM Disclosure is Missing ***** Initial ARM Disclosure, required to be delivered to the borrower within 3 days of ARM loan application, or program change to an ARM, has not been provided - Due Diligence Vendor-03/16/2026 |
Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/20/2026 |
861360_xxxxxx-rider.pdf 861360_xxxxxx-ARM_disc.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-15 23:57 | 2026-03-20 10:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-03/19/2026 Open-Right of Rescission is Missing The Notice of right , executed by xxxxxx has not been provided - Due Diligence Vendor-03/16/2026 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-03/20/2026 |
Full Review861360_xxxxxx_3_19_2026_90218_AM.zip 861360_xxxxxx_Notice_of_Right_to_Cancel.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861360 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-15 23:57 | 2026-03-20 10:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | xxxxxx F2 Notice for Home Equity Disclosure is Missing | Resolved-xxxxxx F2 Notice for Home Equity Disclosure is Present or Not Applicable - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/18/2026 Open-xxxxxx F2 Notice for Home Equity Disclosure is Missing - Due Diligence Vendor-03/16/2026 |
Resolved-xxxxxx F2 Notice for Home Equity Disclosure is Present or Not Applicable - Due Diligence Vendor-03/20/2026 |
Full Review861360_xxxxxx_3_18_2026_101037_AM.zip 861360_xxxxxx_MergedDocument.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 00:09 | 2026-04-01 12:34 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-**Received Loan Estimate issued xxxxxx. We are still missing the Initial loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open- Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-03/16/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
861359_xxxxxx-initial_loan_estimate.pdf Full Review861359_xxxxxx_3_30_2026_33758_PM.zip 861359_xxxxxx_Initial_LE.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 15:16 | 2026-04-01 12:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-**Received Loan Estimate issued xxxxxx. We are still missing the Initial loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 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 $2,863.55.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-03/25/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Full Review861359_xxxxxx_3_30_2026_33815_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 15:16 | 2026-04-01 12:33 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-**Received Loan Estimate issued xxxxxx. We are still missing the Initial loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/25/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Full Review861359_xxxxxx_3_30_2026_33801_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 15:16 | 2026-04-01 12:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-**Received Loan Estimate issued xxxxxx. We are still missing the Initial loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 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% ($10,301.16) exceed the comparable charges ($0.00) 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). - Due Diligence Vendor-03/25/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Full Review861359_xxxxxx_3_30_2026_33812_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 15:16 | 2026-04-01 12:33 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-**Received Loan Estimate issued xxxxxx. We are still missing the Initial loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-03/25/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Full Review861359_xxxxxx_3_30_2026_33808_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 15:16 | 2026-04-01 12:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-**Received Loan Estimate issued xxxxxx. We are still missing the Initial loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/25/2026 |
Resolved-**Received missing disclosures - Due Diligence Vendor-04/01/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Full Review861359_xxxxxx_3_30_2026_33818_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 00:07 | 2026-03-25 15:10 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/25/2026 Resolved-**Received - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-ARM Disclosure is Missing - Due Diligence Vendor-03/16/2026 |
Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/25/2026 Resolved-**Received - Due Diligence Vendor-03/25/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
861359_xxxxxx-ARM_disc.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 00:08 | 2026-03-25 15:09 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**received - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-SSPL is missing.. - Due Diligence Vendor-03/16/2026 |
Resolved-**received - Due Diligence Vendor-03/25/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
861359_xxxxxx-seller_provider_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861359 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-13 22:53 | 2026-03-23 07:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-evidence provided - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) B2 xxxxxx Provided page #300 without ID#, Start and Exp date of Driver License with NO additional ID provided. - Due Diligence Vendor-03/14/2026 |
Resolved-evidence provided - Due Diligence Vendor-03/23/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.57 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 42.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
861359_xxxxxx-ID_card.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-25 14:11 | 2026-04-16 11:18 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery within 60 days of discovery. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Cure documents uploaded - Seller-04/15/2026 Counter-*************ILE provided in curative, resulting tested findings: Appraisal and Second Appraisal fees disclosed in the total amount of $3,000.00, Final Charges total $3,390.00, resulting in a 0% tolerance cure in the amount of $390.00~~ Additionally, Tax Service fee disclosed in the amount of xxxxxx, Final Charge xxxxxx, resulting in a 0% tolerance cure in the amount of $150.00 ********* Total 0% tolerance cure in the amount of $540.00 is required. provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Counter-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. **Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Ready for Review-Document Uploaded. Cure documents uploaded - Seller-04/15/2026 |
Cured-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery within 60 days of discovery. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 |
fed ex for xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-25 14:11 | 2026-04-16 11:18 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery within 60 days of discovery. - Due Diligence Vendor-04/16/2026 Resolved-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 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). - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Cure documents uploaded - Buyer-04/15/2026 Counter-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 $540.00.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). *************ILE provided in curative, resulting tested findings: Appraisal and Second Appraisal fees disclosed in the total amount of $3,000.00, Final Charges total $3,390.00, resulting in a 0% tolerance cure in the amount of $390.00~~ Additionally, Tax Service fee disclosed in the amount of xxxxxx, Final Charge xxxxxx, resulting in a 0% tolerance cure in the amount of $150.00 ********* Total 0% tolerance cure in the amount of $540.00 is required. provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Counter-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 $5,139.60.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 LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Cured-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery within 60 days of discovery. - Due Diligence Vendor-04/16/2026 Resolved-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery. - Due Diligence Vendor-04/16/2026 |
fed ex for xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-04-16 11:09 | 2026-04-16 11:17 | Resolved | 1 - Information | C | A | Compliance | TRID | Reimbursement Date Test | Resolved-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery within 60 days of discovery. - Due Diligence Vendor-04/16/2026 Resolved- - Due Diligence Vendor-04/16/2026 Open-This loan failed the reimbursement date test. (12 CFR §1026.19(f)(2)(v))The reimbursement date is more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation. - Due Diligence Vendor-04/16/2026 |
Resolved-***Received cure package with PCCD, LOE, copy of refund check, and proof of delivery within 60 days of discovery. - Due Diligence Vendor-04/16/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-25 14:11 | 2026-04-16 11:09 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-cure provided - Due Diligence Vendor-04/16/2026 Ready for Review-Document Uploaded. Cure documents uploaded. - Buyer-04/15/2026 Counter-*************ILE provided in curative, resulting tested findings: Appraisal and Second Appraisal fees disclosed in the total amount of $3,000.00, Final Charges total $3,390.00, resulting in a 0% tolerance cure in the amount of $390.00~~ Additionally, Tax Service fee disclosed in the amount of xxxxxx, Final Charge xxxxxx, resulting in a 0% tolerance cure in the amount of $150.00 ********* Total 0% tolerance cure in the amount of $540.00 is required. provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Counter-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. **Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-cure provided - Due Diligence Vendor-04/16/2026 | fed ex for xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-16 00:38 | 2026-04-01 15:28 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-**Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower - Due Diligence Vendor-03/16/2026 |
Resolved-ILE provided - Due Diligence Vendor-04/01/2026 |
861358_xxxxxx-initial_LE.pdf Full Review861358_xxxxxx_3_30_2026_44146_PM.zip 861358_xxxxxx_Initial_LE.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-16 00:44 | 2026-04-01 15:27 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Loan Estimate, has been provided. - Due Diligence Vendor-04/01/2026 Resolved-**Received SSPL - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Service Provider List is Missing.. - Due Diligence Vendor-03/16/2026 |
Resolved-Initial Loan Estimate, has been provided. - Due Diligence Vendor-04/01/2026 Resolved-**Received SSPL - Due Diligence Vendor-03/25/2026 |
861358_xxxxxx-seller_provider_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-25 14:11 | 2026-04-01 15:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Initial Loan Estimate, has been provided. - Due Diligence Vendor-04/01/2026 Counter- - Due Diligence Vendor-04/01/2026 Counter- - Due Diligence Vendor-04/01/2026 Counter-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% ($194.00) exceed the comparable charges ($0.00) 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). **Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-Initial Loan Estimate, has been provided. - Due Diligence Vendor-04/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-25 14:11 | 2026-04-01 15:27 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Initial Loan Estimate, has been provided. - Due Diligence Vendor-04/01/2026 Counter- - Due Diligence Vendor-04/01/2026 Counter- - Due Diligence Vendor-04/01/2026 Counter-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. **Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days of the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-Initial Loan Estimate, has been provided. - Due Diligence Vendor-04/01/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||||
| 861358 | xxxxxx | D | B | D | A | C | B | A | A | Closed | xxxxxx | 2026-03-14 15:09 | 2026-03-20 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Missing Flood Insurance Policy Provide flood insurance policy for the Subject property located at the xxxxxx as stated on the final CD - Due Diligence Vendor-03/14/2026 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/20/2026 |
861358_xxxxxx-flood.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861357 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-14 10:37 | 2026-04-03 08:04 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CDA provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-04/02/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.8) CU was over 2.5 and LCA didn't score. There are AVM disclosures on file, but no AVM. Please provide a valid CDA/AVM. - Due Diligence Vendor-03/14/2026 |
Resolved-CDA provided - Due Diligence Vendor-04/03/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years |
861357_xxxxxx_861357_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861357 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-14 10:37 | 2026-03-26 15:13 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited FICO of 694 is less than Guideline FICO of 700 - Due Diligence Vendor-03/26/2026 Ready for Review-he request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-03/26/2026 Open-Audited FICO of 694 is less than Guideline FICO of 700 It does appear the guideline minimum for a greater than 1mil loan amount is 700 Fico which we do not meet. Primary income source is xxxxxx who is a 694. No exception on file to move forward with Fico not meeting guideline minimum. - Due Diligence Vendor-03/14/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited FICO of 694 is less than Guideline FICO of 700 - Due Diligence Vendor-03/26/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years |
Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines Compensating Factor 2 - Reserves exceed requirement by 10 months or more Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx | |||
| 861357 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-16 00:55 | 2026-03-25 13:33 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-**Received missing disclosures and explanation. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-**** Borrower(s) executed Final Closing Disclosure, has not been provided. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. xxxxxx - Due Diligence Vendor-03/16/2026 |
Resolved-**Received missing disclosures and explanation. - Due Diligence Vendor-03/25/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years |
861357_xxxxxx-_final_cd_and_le.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861357 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-16 00:54 | 2026-03-25 13:33 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received missing disclosures and explanation. - Due Diligence Vendor-03/25/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-03/16/2026 |
Resolved-**Received missing disclosures and explanation. - Due Diligence Vendor-03/25/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | ||||
| 861357 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-16 18:09 | 2026-03-25 13:18 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-final CD provided - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. There is no redisclosure on this one. What you are seeing is the final CD generated and is showing as three times in encompass which is our system we work our loans in. Its part of how we do docs. - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 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-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 |
Resolved-final CD provided - Due Diligence Vendor-03/25/2026 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years |
861357_xxxxxx-_final_cd_and_le.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861357 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-16 00:50 | 2026-03-25 12:55 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/25/2026 Resolved-**Received - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-ARM Disclosure is Missing Initial ARM disclosure, has not been provided - Due Diligence Vendor-03/16/2026 |
Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/25/2026 Resolved-**Received - Due Diligence Vendor-03/25/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years |
861357_xxxxxx-ARM.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861357 | xxxxxx | C | B | C | B | C | A | C | A | Closed | xxxxxx | 2026-03-16 00:56 | 2026-03-25 12:54 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received SSPL - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Service Provider List document is Missing. Please provide to determine 10% baseline inclusion/exclusion - Due Diligence Vendor-03/16/2026 |
Resolved-**Received SSPL - Due Diligence Vendor-03/25/2026 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.97 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.08 Years |
861357_xxxxxx-seller_provider_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx | |||
| 861356 | 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 | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 861354 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 09:55 | 2026-03-25 11:22 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-**Received SSPL and missing disclosures. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-******Documentation provided does not contain the Missing Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/16/2026 |
Resolved-**Received SSPL and missing disclosures. - Due Diligence Vendor-03/25/2026 |
861354_xxxxxx-TRID.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861354 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 09:57 | 2026-03-25 11:22 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received SSPL and missing disclosures. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Missing SSPL Initial Document - Due Diligence Vendor-03/16/2026 |
Resolved-**Received SSPL and missing disclosures. - Due Diligence Vendor-03/25/2026 |
861354_xxxxxx-seller_provider_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861353 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 09:57 | 2026-04-06 07:53 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/06/2026 Ready for Review-Document Uploaded. Initial LE sent xxxxxx which is one day after application date. - Due Diligence Vendor-04/03/2026 Counter-***Received SSPL. Still missing the Initial Loan Estimate issued within 3 business days of the application date. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-******Documentation provided does not contain the Initial Loan Estimate Is Missing. Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/16/2026 |
Resolved-ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/06/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 665.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Full Review861353_xxxxxx_3_23_2026_42641_PM.zip 861353_xxxxxx_2015_Settlement_Service_Provider_List.pdf 861353_xxxxxx seller_provider_list.pdf Full Review861353_xxxxxx_4_3_2026_113303_AM.zip |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861353 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 10:12 | 2026-03-27 14:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Service provider list not provided within 3 days of application | Resolved-***Received sspl - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-SSPL is missing - Due Diligence Vendor-03/16/2026 |
Resolved-***Received sspl - Due Diligence Vendor-03/27/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 665.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
Full Review861353_xxxxxx_3_23_2026_42645_PM.zip 861353_xxxxxx_2015_Settlement_Service_Provider_List.pdf 861353_xxxxxx-seller_provider_list.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861353 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-03-06 13:34 | 2026-03-24 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. please see attached DAIR - Due Diligence Vendor-03/24/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in disaster post closing. PDI to be provided. - Due Diligence Vendor-03/06/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-03/24/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 665.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.75% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |
861353_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-19 16:25 | 2026-07-07 15:19 | Resolved | 1 - Information | C | A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Document Uploaded. Evidence of tax payment provided - Due Diligence Vendor-07/07/2026 Open-Seller has an executed side letter with investor to satisfy within a defined timeframe. - Due Diligence Vendor-06/18/2026 Acknowledged-Client accepting finding as xxxxxx - Due Diligence Vendor-04/24/2026 Open-Per tax and title search, property tax lien of xxxxxx exists on the property with an additional xxxxxx past due. Missing evidence lien has been removed and taxes are current. - Due Diligence Vendor-03/19/2026 |
Resolved-Document Uploaded. Evidence of tax payment provided - Due Diligence Vendor-07/07/2026 Acknowledged-Client accepting finding as xxxxxx - Due Diligence Vendor-04/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
WebSummary_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 14:55 | 2026-04-01 14:56 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-*Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days from the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Missing Loan Estimate - Due Diligence Vendor-03/16/2026 |
Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
861352_xxxxxx-initial_LE.pdf Full Review861352_xxxxxx_3_30_2026_33558_PM.zip |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 10:21 | 2026-04-01 14:55 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-*Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days from the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
Full Review861352_xxxxxx_3_30_2026_33618_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 10:21 | 2026-04-01 14:55 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-*Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days from the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
Full Review861352_xxxxxx_3_30_2026_33545_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 10:21 | 2026-04-01 14:55 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-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% ($10,800.76) exceed the comparable charges ($9,570.00) 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). - Due Diligence Vendor-04/01/2026 Open- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-*Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days from the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 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% ($10,800.76) exceed the comparable charges ($0.00) 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). - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-Initial Loan Estimate and SPL provided - Due Diligence Vendor-04/01/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
Full Review861352_xxxxxx_3_30_2026_33552_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 10:21 | 2026-04-01 14:50 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-initial LE provided - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-*Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days from the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 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 $18,902.60.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-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-initial LE provided - Due Diligence Vendor-04/01/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
Full Review861352_xxxxxx_3_30_2026_33613_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-25 10:21 | 2026-04-01 14:50 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-LE provided - Due Diligence Vendor-04/01/2026 Resolved- - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/31/2026 Counter-*Received LE issued xxxxxx. We are still missing the Initial Loan Estimate issued within 3 business days from the application date of xxxxxx. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 |
Resolved-LE provided - Due Diligence Vendor-04/01/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
Full Review861352_xxxxxx_3_30_2026_33533_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 14:50 | 2026-03-25 10:11 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/25/2026 Resolved-ARM Disclosure is Present or Not Applicable **Received - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-ARM Disclosure is Missing - Due Diligence Vendor-03/17/2026 |
Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-03/25/2026 Resolved-ARM Disclosure is Present or Not Applicable **Received - Due Diligence Vendor-03/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
861352_xxxxxx-ARM.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861352 | xxxxxx | C | A | C | A | C | A | A | A | Closed | xxxxxx | 2026-03-16 14:54 | 2026-03-25 09:39 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-**Received SSPL - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Service Provider List is Missing - Due Diligence Vendor-03/16/2026 |
Resolved-**Received SSPL - Due Diligence Vendor-03/25/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.87% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.93 Years |
861352_xxxxxx-seller_provider_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861532 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-16 14:37 | 2026-04-03 09:20 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Bonus Income provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-Income 2 Months Income Verified is Missing File qualified with $1750.48 in monthly bonus income, documentation to support bonus is not found in the file. - Due Diligence Vendor-03/16/2026 |
Resolved-Bonus Income provided - Due Diligence Vendor-04/03/2026 |
861532_xxxxxx-income.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx | ||||
| 861532 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-16 11:40 | 2026-04-03 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-03/16/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/03/2026 |
861532_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx | ||||
| 861532 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-03-24 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. PDI - Due Diligence Vendor-03/24/2026 Open-Please provide PDI or equivalent to show property is free from damage. - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-03/24/2026 |
861532_xxxxxx_861532.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | N/A | N/A | xxxxxx | ||||
| 861531 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 05:53 | 2026-04-15 13:40 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: proof of coverage for the intervening period. - Due Diligence Vendor-04/15/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-04/15/2026 Counter-Missing HOI Policy - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx. Please provide proof of coverage for the intervening period. - Due Diligence Vendor-03/16/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: proof of coverage for the intervening period. - Due Diligence Vendor-04/15/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |
Compensating Factor 1 - Credit Score 30+ points > minimum required Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines Compensating Factor 3 - Reserves exceed requirement by 10 months or more |
861531_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | ||
| 861531 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-16 05:49 | 2026-03-24 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Purchase Contract Is Missing Original copy of the purchase contract was not with the upload package. Please provide. - Due Diligence Vendor-03/16/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |
861531_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861531 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-03-17 12:46 | 2026-03-24 13:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-03/24/2026 Ready for Review-See attached PDI - Due Diligence Vendor-03/24/2026 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject property is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occurred. - Due Diligence Vendor-03/17/2026 |
Resolved-PDI provided stating Free and clear of disaster related damage - Due Diligence Vendor-03/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861530 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-16 04:01 | 2026-05-11 21:33 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-BPO uploaded - Due Diligence Vendor-05/12/2026 Ready for Review-see attached BPO (no attachment provided) - Due Diligence Vendor-05/11/2026 Counter-Document Uploaded. Revised BPO attached - $xxxxxxk. - Buyer-05/05/2026 Counter-BPO provided however the appraiser states: The subject property is located xxxxxx. Condition is unknown" but assumed to be in good condition as it was built in xxxxxx. Missing 3rd party valuation to support the appraised value. - Due Diligence Vendor-04/08/2026 Ready for Review-Document Uploaded. See attached BPO - Due Diligence Vendor-04/07/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) A third-party review for the subject property located at xxxxxx is required in accordance with applicable guidelines. - Due Diligence Vendor-03/16/2026 |
Resolved-BPO uploaded - Due Diligence Vendor-05/12/2026 |
861530_xxxxxx_861530.pdf 861530 Revised (1).pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 861530 | xxxxxx | D | A | D | A | A | A | C | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-03-25 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating NO DAMAGE. No apparent neighborhood or subject property factors that negatively impact marketability were observed. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-Please provide PDI or equivalent to show property is free from damage. - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided stating NO DAMAGE. No apparent neighborhood or subject property factors that negatively impact marketability were observed. - Due Diligence Vendor-03/25/2026 |
861530_xxxxxx_861530.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 861529 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-16 07:51 | 2026-03-25 09:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Purchase Contract Is Missing Purchase contract for the subject property missing (fully executed, with all addendums and attachments is required). - Due Diligence Vendor-03/17/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/23/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
861529_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861529 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-03-25 09:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating As of the inspection date of this disaster area inspection report, no damage or marketability issues are noted for the subject as a result of the xxxxxx. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-Please provide PDI or equivalent to show property is free from damage. - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided stating As of the inspection date of this disaster area inspection report, no damage or marketability issues are noted for the subject as a result of the xxxxxx. - Due Diligence Vendor-03/25/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 37.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |
861529_xxxxxx_861529.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861525 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 07:48 | 2026-05-04 12:52 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Builders Risk Policy and First draw document dated xxxxxx provided - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. See attached first draw ticket - Due Diligence Vendor-05/04/2026 Counter-Missing First draw was funded xxxxxx documentation. Please provide - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. BR policy attached with an effective date of xxxxxx. First draw was funded xxxxxx so we are in compliance there. Im not sure where they are getting the $1980 that the lender qualified them for as the policy doesnt show the premium amount. - Due Diligence Vendor-04/23/2026 Counter-The HOI policy provided is the Bwr's xxxxxx xxxxxx - Condition is for Builders Rick Policy prior to or at funding/closing date xxxxxx - Due Diligence Vendor-04/14/2026 Ready for Review-Document Uploaded. builders risk added - Due Diligence Vendor-04/14/2026 Counter-Missing Builders Risk HOI Policy - Per 300.xxxxxx Insurance – Construction Loan: Satisfaction of insurance requirements is the responsibility of the Construction Loan Division servicing the loan during the construction period, including flood insurance and builder’s risk. Evidence of these coverages are not required to be in the file at the time of closing, but documentation of the insurance policy will be required prior to the first draw being funded. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx HOI imaged shows dates 10/24/22-10/24/23 which is after funding/closing date xxxxxx. (1) Please provide HOI policy showing sufficient coverage and dated on or before closing/funding xxxxxx. (2) Lender used $1980 annual premium to qualify for policy xxxxxx with xxxxxx need proof of the premium actually paid to calculate monthly liability accurately. Doc supplied $2507 varies from the amount lender used to qualify. $1980. - Due Diligence Vendor-03/19/2026 |
Resolved-Builders Risk Policy and First draw document dated xxxxxx provided - Due Diligence Vendor-05/04/2026 |
861525_xxxxxx_HOI.pdf 861525_xxxxxx_Builders_Risk.pdf Full Review861525_xxxxxx_4_22_2026_34419_PM.zip 861525_xxxxxx_Draw_1.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 861524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-17 04:51 | 2026-03-25 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/20/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-03/17/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/23/2026 |
861524_xxxxxx-_purchase.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861524 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-03-25 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating That inspection revealed that the subject property is in the same condition as of the date of the appraisal inspection, and no damage to the subject property or surrounding properties was noted. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-Please provide PDI or equivalent to show property is free from damage. - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided stating That inspection revealed that the subject property is in the same condition as of the date of the appraisal inspection, and no damage to the subject property or surrounding properties was noted. - Due Diligence Vendor-03/25/2026 |
861524_xxxxxx_861524.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861521 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-19 03:55 | 2026-03-20 11:42 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program- Rural Exception granted per page 386 - Due Diligence Vendor-03/19/2026 | Waived- Client exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program- Rural Exception granted per page 386 - Due Diligence Vendor-03/19/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.96 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Residual income is over 1.5x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | NA | Originator Pre-Close | Yes | xxxxxx | ||||
| 861520 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 08:56 | 2026-04-03 08:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-03/19/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/03/2026 |
861520_xxxxxx_163240b2-d578-4b49-a61f-e12e57052168.pdf 861520_xxxxxx_8d98a048-cfe0-4f97-bb09-927c18cb3bc7.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861520 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 08:49 | 2026-04-03 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-Purchase Contract Is Missing Provide Purchase Contract for the Subject Property located at: xxxxxx - Due Diligence Vendor-03/19/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/03/2026 |
861520_xxxxxx-purchase_contract_2.pdf 861520_xxxxxx-purchase_contract.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861520 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-03-26 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Based on a limited exterior observation of the subject property xxxxxx are noted for the subject as a result of the FEMA disaster declaration for xxxxxx. - Due Diligence Vendor-03/26/2026 Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-03/25/2026 Open-Please provide PDI or equivalent to show property is free from damage. - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided stating Based on a limited exterior observation of the subject property no readily identifiable damage or marketability issues are noted for the subject as a result of the FEMA disaster declaration for xxxxxx. - Due Diligence Vendor-03/26/2026 |
861520_xxxxxx_861520.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861519 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 00:22 | 2026-05-04 12:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Builders Risk Policy with First Draw document dated xxxxxx provided - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Please see attached first draw ticket - Due Diligence Vendor-05/04/2026 Counter-Missing First Draw documents to support Builders Risk Policy dated xxxxxx as Note/closing is xxxxxx - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. First draw was funded xxxxxx. BR was effective xxxxxx and renewed xxxxxx - Due Diligence Vendor-04/23/2026 Counter-Document Uploaded. Missing Builder's Risk Insurance Policy - Per 300.xxxxxx Insurance – Construction Loan: Satisfaction of insurance requirements is the responsibility of the Construction Loan Division servicing the loan during the construction period, including flood insurance and builder’s risk. Evidence of these coverages are not required to be in the file at the time of closing, but documentation of the insurance policy will be required prior to the first draw being funded. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-Missing Hazard Insurance Policy. Policy found on pg 698 is not for subject. - Due Diligence Vendor-03/19/2026 |
Resolved-Builders Risk Policy with First Draw document dated xxxxxx provided - Due Diligence Vendor-05/04/2026 |
861519_xxxxxx_HOI.pdf Screenshot 2026-04-03 083157.jpg Full Review861519_xxxxxx_4_22_2026_34346_PM.zip 861519_xxxxxx_Draw_1.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861519 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 01:24 | 2026-04-03 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/19/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2026 |
861519_xxxxxx_VVOE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861519 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-03-25 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating Based on a limited exterior observation of the subject property no readily identifiable damage or marketability issues are noted for the subject as a result of the FEMA disaster declaration for xxxxxx. - Due Diligence Vendor-03/25/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-03/24/2026 Open-Please provide PDI or equivalent to show property is free from damage. - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided stating Based on a limited exterior observation of the subject property no readily identifiable damage or marketability issues are noted for the subject as a result of the FEMA disaster declaration for xxxxxx. - Due Diligence Vendor-03/25/2026 |
861519_xxxxxx_861519.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861518 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-23 13:26 | 2026-06-03 06:37 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-2055 Provided - Due Diligence Vendor-06/03/2026 Ready for Review-Document Uploaded. Retro 2055 attached. Appraised value = xxxxxx - Due Diligence Vendor-06/01/2026 Counter-valid Field Review needed to surpass BPO in review product waterfall. - Due Diligence Vendor-05/01/2026 Resolved-AVM provided - Due Diligence Vendor-04/29/2026 Ready for Review- - Due Diligence Vendor-04/29/2026 Counter-Document Uploaded. See attached AVM with a value of $xxxxxx, which is within tolerance. - Seller-04/28/2026 Counter-The BPO provided does not support that Value of $xxxxxxK - The BPO reflects $xxxxxx which exceeds the 10% tolerance (-22.62%) Provide an AVM / Desk review to support the value. - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. see attached BPO - Due Diligence Vendor-04/02/2026 Open-CU and LCA scores not provided. Provide 3rd Party Valuation Product. - Due Diligence Vendor-03/23/2026 |
Resolved-2055 Provided - Due Diligence Vendor-06/03/2026 Resolved-AVM provided - Due Diligence Vendor-04/29/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 26.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
861518_xxxxxx_861518.pdf 861518_04-28-2026_xxxxxx.pdf 861518_xxxxxx_861518_xxxxxx_2055.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861518 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-20 05:41 | 2026-06-03 06:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-03/20/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 26.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
861518_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861518 | xxxxxx | D | A | D | A | A | A | D | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-04-03 08:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-04/02/2026 Open-Per FEMA xxxxxx dated xxxxxx - Post inspection Disaster Report is needed. - Due Diligence Vendor-03/27/2026 |
Resolved-PDI provided - Due Diligence Vendor-04/03/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 26.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
861518_xxxxxx_861518.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861517 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-04-01 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating As of the effective date of this disaster area inspection report, no damage to the subject dwelling is noted as a result of the recent storm or disaster declaration in xxxxxx - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-03/31/2026 Open-per FEMA - xxxxxx dated xxxxxx - Post Disaster Inspection report is needed. - Due Diligence Vendor-03/27/2026 Rescinded-Valuation date is xxxxxx, disaster is xxxxxx, PDI is not needed - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided stating As of the effective date of this disaster area inspection report, no damage to the subject dwelling is noted as a result of the recent storm or disaster declaration in xxxxxx. - Due Diligence Vendor-04/01/2026 Rescinded-Valuation date is xxxxxx, disaster is xxxxxx, PDI is not needed - Due Diligence Vendor-03/19/2026 |
861517_xxxxxx_861517.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861517 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-03-20 02:39 | 2026-04-01 12:25 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-03/31/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) - LCA score is 0. No additional review products in file. Provide 3rd party valuation. - Due Diligence Vendor-03/20/2026 |
Resolved-Desk review provided - Due Diligence Vendor-04/01/2026 |
861517_xxxxxx_861517_RDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861517 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-03-20 00:59 | 2026-04-01 12:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-03/20/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 |
861517_xxxxxx-purchase_contract_docs.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861517 | xxxxxx | D | B | D | B | A | A | C | A | Closed | xxxxxx | 2026-03-20 02:39 | 2026-03-31 14:33 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 47.32% exceeds AUS DTI of 44.94% - Due Diligence Vendor-03/31/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-03/31/2026 Open-Audited DTI of 47.32% exceeds AUS DTI of 44.94% - due to Mismatches due to rental income - Due Diligence Vendor-03/20/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited DTI of 47.32% exceeds AUS DTI of 44.94% - Due Diligence Vendor-03/31/2026 |
Credit Score 20 points > minimum required Residual income more than 1.5x the amount required by guidelines Reserves exceed requirement by 2 months or more |
Compensating Factor 1 - Credit Score 20 points > minimum required Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines Compensating Factor 3 - Reserves exceed requirement by 2 months or more |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 861516 | 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 | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 861515 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 06:47 | 2026-03-31 13:21 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-03/31/2026 Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-03/20/2026 |
Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-03/31/2026 Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 |
Full Review861515_xxxxxx_3_26_2026_33834_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861515 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 06:48 | 2026-03-31 13:20 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-03/20/2026 |
Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 |
861515_xxxxxx-initial_disclosure_package.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861515 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-23 13:24 | 2026-03-31 13:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Initial Disclosure Package | Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-**** Missing Initial Closing Disclosure, Service Provider List and Initial Escrow Account Disclosure**** CE can not be accurately completed without the missing document. - Due Diligence Vendor-03/23/2026 |
Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 |
861515_xxxxxx-CD.pdf 861515_xxxxxx-initial_disclosure_package.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861515 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 08:13 | 2026-03-31 13:20 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-***Received ICD - Due Diligence Vendor-03/31/2026 Resolved- - Due Diligence Vendor-03/31/2026 Open- - Due Diligence Vendor-03/31/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $xxxxxx. The disclosed finance charge of $xxxxxx is not considered accurate because it is understated by more than $100. *** Compliance review indicates a Finance Charge variance of $171.00. Fees included in testing are:Administration Fee paid by Borrower: $1,195.00 Attorney's Fee (Closing Agent Only) paid by Borrower: $200.00 Flood Certification - Single Charge or Life of Loan paid by Borrower: $6.50 Tax Service Fee paid by Borrower: xxxxxx Verification Of Employment Fee paid by Borrower: $54.95 Electronic Recording Service Fee paid by Borrower: $6.00 Courier / Messenger Fee paid by Borrower: $50.00 Settlement or Closing Fee paid by Borrower: $450.00 Prepaid Interest paid by Borrower: $3,065.24 - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-***Received ICD - Due Diligence Vendor-03/31/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||||
| 861515 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 06:48 | 2026-03-31 12:54 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-Service Provider List document is Missing - Due Diligence Vendor-03/20/2026 |
Resolved-***Received disclosure - Due Diligence Vendor-03/31/2026 |
861515_xxxxxx-servicer_provider_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861512 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-19 14:26 | 2026-04-03 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided - Due Diligence Vendor-04/03/2026 Ready for Review-Document Uploaded. see attached PDI - Due Diligence Vendor-04/02/2026 Open-Per FEMA - Disaster xxxxxx - Missing Post Disaster Inspection report - Due Diligence Vendor-03/27/2026 Rescinded-Validated not needed Appraisal is from xxxxxx and disaster is xxxxxx - Due Diligence Vendor-03/19/2026 |
Resolved-PDI provided - Due Diligence Vendor-04/03/2026 Rescinded-Validated not needed Appraisal is from xxxxxx and disaster is xxxxxx - Due Diligence Vendor-03/19/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.95% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
861512_xxxxxx_861512.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861512 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-03-20 11:00 | 2026-04-03 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-03/20/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.95% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
861512_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 861511 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-03-20 03:07 | 2026-03-27 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 Open-Purchase Contract Is Missing Provide Purchase Agreement for the subject property located at the xxxxxx ". - Due Diligence Vendor-03/20/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-03/27/2026 |
861511_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 861511 | xxxxxx | D | B | D | A | B | B | A | A | Closed | xxxxxx | 2026-03-20 07:49 | 2026-03-20 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- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Waived- Client exception granted with compensating factorsThis 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. xxxxxx outside sol - Due Diligence Vendor-03/20/2026 |
Residual income is over 2x the guideline minimum Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 861510 | xxxxxx | B | B | B | B | A | A | A | A | Closed | xxxxxx | 2026-03-21 20:08 | 2026-03-23 11:39 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived- Client exception granted with compensating factorsAudited DTI of 62.1% exceeds Guideline DTI of 50% As per guidelines max DTI is 50%. Lender's Exception imaged page 1585-1586. CASHOUT- exception to have conforming loan amount and dti up to 68%. - Due Diligence Vendor-03/22/2026 |
Waived- Client exception granted with compensating factorsAudited DTI of 62.1% exceeds Guideline DTI of 50% As per guidelines max DTI is 50%. Lender's Exception imaged page 1585-1586. CASHOUT- exception to have conforming loan amount and dti up to 68%. - Due Diligence Vendor-03/22/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 17.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.16 Years |
CREDIT: FICO Score 780, Liability $1475, xxxxxx to be paid off INCOME: ASSESSMENT - Applicant is self employed. Using 2 yr avg per DU. Loanbeam in file. $8036.55 ASSETS: $80,257.57 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx | |||
| 861507 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 18:48 | 2026-04-02 11:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-***Received missing disclosures - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-******Documentation provided does not contain initial Loan Estimate. And the Revised Locked loan Estimate & COC - xxxxxx on page #74 within three Business day Corresponding Revised Lock Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/20/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-04/02/2026 |
Full Review861507_xxxxxx_4_1_2026_45502_PM.zip | 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 | ||||
| 861507 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 18:49 | 2026-04-02 11:54 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-***Received missing disclosures - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-******Documentation provided does not contain the Revised Closing Disclosure & COC - xxxxxx on page #76 Corresponding Revised Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/20/2026 |
Resolved-***Received missing disclosures - Due Diligence Vendor-04/02/2026 |
Full Review861507_xxxxxx_4_1_2026_45507_PM.zip | 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 | ||||
| 861507 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-03-20 18:52 | 2026-04-02 11:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-04/02/2026 Open-TRID: Missing Final Closing Disclosure ******Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-03/20/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/02/2026 |
Full Review861507_xxxxxx_4_1_2026_45513_PM.zip 861507_xxxxxx_LE_xxxxxx.pdf 861507_xxxxxx_Disclosure_Tracking.pdf 861507_xxxxxx_LE_xxxxxx.pdf 861507_xxxxxx_CD_xxxxxx.pdf |
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 | ||||
| 866709 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-22 06:35 | 2026-06-23 22:53 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-The client worksheet is non material. - Due Diligence Vendor-06/24/2026 Counter-Missing Lenders Asset depletion worksheet calculating assets - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/11/2026 Open-Income 3 Months Income Verified is Missing Missing Proof of Asset depletion documentation for the funding of $964,842.00 used to generate monthly income of @ $7,263. - Due Diligence Vendor-05/22/2026 |
Resolved-The client worksheet is non material. - Due Diligence Vendor-06/24/2026 |
866709_xxxxxx-LOE.pdf 866709_xxxxxx-asset.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 866709 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-22 01:58 | 2026-06-12 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/11/2026 Open-Asset 1 Missing, assets used in asset depletion account totaling @ $964,842. - Due Diligence Vendor-05/22/2026 |
Resolved-Asset 1 Provided - Due Diligence Vendor-06/12/2026 |
866709_xxxxxx-LOE.pdf 866709_xxxxxx-asset.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 866709 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-21 23:15 | 2026-06-12 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/11/2026 Open-Missing Third Party Fraud Report. - Due Diligence Vendor-05/22/2026 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/12/2026 |
866709_xxxxxx_Report_-_xxxxxx.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 866709 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-21 23:04 | 2026-06-05 09:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Builders Rick policy provided - First draw was xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Missing Hazard Insurance Policy Missing Subject Hazard Insurance Policy. - Due Diligence Vendor-05/22/2026 |
Resolved-Hazard Insurance Policy is fully present - Builders Rick policy provided - First draw was xxxxxx - Due Diligence Vendor-06/05/2026 |
866709_xxxxxx_Draw_Ticket_-_xxxxxx.pdf 866709_xxxxxx_Builder's_Risk_Renewal.pdf 866709_xxxxxx_HOI_Dec_(corrected_MC).pdf 866709_xxxxxx_COI_for_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 866710 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 02:28 | 2026-06-05 10:27 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 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. Rate lock date is xxxxxx please provide Re-disclosure within 3 business days of rate lock date. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0 | 866710_xxxxxx_COC_tracking.pdf 866710_xxxxxx_LE_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866710 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 02:36 | 2026-06-05 09:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-05/22/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0 | 866710_xxxxxx_Builders_Risk_Policy_Ext-_xxxxxx.pdf 866710_xxxxxx_HOI_Dec.pdf 866710_xxxxxx_Draw_Ticket_-_xxxxxx.pdf 866710_xxxxxx_BR.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866710 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 01:03 | 2026-06-05 09:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Valid DL provided - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Citizenship\Residency Documentation Is Missing. - Due Diligence Vendor-05/22/2026 |
Resolved-Valid DL provided - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0 | 866710_xxxxxx-ID.pdf 866710_xxxxxx-patriot_act.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866712 | 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 | Refinance | No Cash Out - Borrower Initiated | |||||||||||||||||||
| 866713 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 05:17 | 2026-06-05 11:01 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 |
Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866713_xxxxxx_Initial_LE.pdf 866713_xxxxxx_PCCD.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866713 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 12:33 | 2026-06-05 11:01 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 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. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866713 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 12:33 | 2026-06-05 11:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 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 $2,847.60.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). ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866713 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 12:33 | 2026-06-05 11:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866713 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 12:33 | 2026-06-05 11:01 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866713 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 12:33 | 2026-06-05 11:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 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% ($2,616.95) exceed the comparable charges ($0.00) 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). ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866713 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 12:33 | 2026-06-05 11:01 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE provided, xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866713_xxxxxx_Initial_LE.pdf 866713_xxxxxx_PCCD.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866714 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 01:06 | 2026-06-05 16:35 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL date (Purchase-3yrs) - xxxxxx - Due Diligence Vendor-06/05/2026 Open- ******Documentation provided does not contain the Initial Loan Estimate.. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-Initial LE missing. - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866714_xxxxxx_6_5_2026_13404_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866714 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 17:37 | 2026-06-05 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL date (Purchase-3yrs) - xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/02/2026 Open- ******Documentation provided does not contain the Initial Loan Estimate.. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 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 $2,679.25.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-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866714_xxxxxx_6_5_2026_13355_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866714 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 17:37 | 2026-06-05 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL date (Purchase-3yrs) - xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/02/2026 Open- ******Documentation provided does not contain the Initial Loan Estimate.. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 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% ($118.00) exceed the comparable charges ($0.00) 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). - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866714_xxxxxx_6_5_2026_13359_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866714 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 17:37 | 2026-06-05 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL date (Purchase-3yrs) - xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/02/2026 Open- ******Documentation provided does not contain the Initial Loan Estimate.. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866714_xxxxxx_6_5_2026_13410_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866714 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 17:37 | 2026-06-05 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL date (Purchase-3yrs) - xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/02/2026 Open- ******Documentation provided does not contain the Initial Loan Estimate.. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866714_xxxxxx_6_5_2026_13352_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866714 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 17:37 | 2026-06-05 16:34 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL date (Purchase-3yrs) - xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/02/2026 Open- ******Documentation provided does not contain the Initial Loan Estimate.. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866714_xxxxxx_6_5_2026_13357_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866714 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 17:37 | 2026-06-05 16:34 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL date (Purchase-3yrs) - xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/02/2026 Open- ******Documentation provided does not contain the Initial Loan Estimate.. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-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. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866714_xxxxxx_6_5_2026_13401_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866715 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-06-02 09:15 | 2026-06-16 11:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: The loan closed as an ARM and the MMCT 100% LTV Portfolio Product for xxxxxx loan program per lender matrix only allows 30 year fixed rates. - Due Diligence Vendor-06/16/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-06/16/2026 Open-The loan closed as an ARM and the MMCT 100% LTV Portfolio Product for xxxxxx loan program per lender matrix only allows 30 year fixed rates. - Due Diligence Vendor-06/02/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: The loan closed as an ARM and the MMCT 100% LTV Portfolio Product for xxxxxx loan program per lender matrix only allows 30 year fixed rates. - Due Diligence Vendor-06/16/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.3% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.18 Are Greater Than The Guideline Minimum Of 6.07 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.06 Years |
Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - 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 | Originator Post-Close | No | xxxxxx | |||
| 866715 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-21 14:01 | 2026-06-05 09:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Purchase Contract Is Missing - Due Diligence Vendor-05/21/2026 |
Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 100% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.3% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.18 Are Greater Than The Guideline Minimum Of 6.07 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.06 Years |
866715_xxxxxx-purchase_contract.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866718 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-05-26 16:02 | 2026-06-10 13:15 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Condo project is non-warrantable | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: condo is non-warrantable per GSE due to sole entity owning > 20%. Single owner owns xxxxxx of xxxxxx units or 43.75% making non-warrantable. - Due Diligence Vendor-06/10/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-06/09/2026 Open-Loan is underwritten to Lender guidelines and condo is non-warrantable per GSE due to sole entity owning > 20%. Single owner owns xxxxxx of xxxxxx units or 43.75% making non-warrantable. - Due Diligence Vendor-05/28/2026 Waived- Client exception granted with compensating factorsLoan is underwritten to Agency guidelines and condo is non-warrantable per GSE. Loan is underwritten to Lender guidelines and condo is non-warrantable per GSE due to sole entity owning > 20%. Single owner owns xxxxxx of xxxxxx units or 43.75% making non-warrantable. - Due Diligence Vendor-05/26/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: condo is non-warrantable per GSE due to sole entity owning > 20%. Single owner owns xxxxxx of xxxxxx units or 43.75% making non-warrantable. - Due Diligence Vendor-06/10/2026 Waived- Client exception granted with compensating factorsLoan is underwritten to Agency guidelines and condo is non-warrantable per GSE. Loan is underwritten to Lender guidelines and condo is non-warrantable per GSE due to sole entity owning > 20%. Single owner owns xxxxxx of xxxxxx units or 43.75% making non-warrantable. - Due Diligence Vendor-05/26/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
Compensating Factor 1 - Reserves exceed requirement by 6 months or more. Compensating Factor 2 - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 866718 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-05-22 07:18 | 2026-06-10 13:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 - Due Diligence Vendor-06/10/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-05/28/2026 Waived- Client exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 - Due Diligence Vendor-05/26/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 - Due Diligence Vendor-06/10/2026 Waived- Client exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 - Due Diligence Vendor-05/26/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
Compensating Factor 1 - Reserves exceed requirement by 6 months or more. Compensating Factor 2 - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx | |||
| 866718 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-05-22 16:41 | 2026-06-05 08:58 | Waived | 2 - Non-Material | C | B | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $886.05. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 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. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 866718 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-05-22 16:41 | 2026-06-05 08:58 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $886.05. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 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 $886.05.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-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 866718 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-05-22 16:41 | 2026-06-05 08:58 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $886.05. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 866718 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-05-22 16:41 | 2026-06-05 08:58 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $886.05. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 866718 | xxxxxx | C | B | B | B | C | B | A | A | Closed | xxxxxx | 2026-05-27 13:38 | 2026-06-05 08:58 | Waived | 2 - Non-Material | C | B | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-• Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $886.05. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). 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:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. • Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), 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. Rate dependent charge changes subject to 0% tolerance total $886.05. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/27/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx | ||||
| 866719 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-22 07:08 | 2026-06-12 10:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/22/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.16 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
866719_xxxxxx_Draw_Ticket_-_xxxxxx.pdf 866719_xxxxxx_BR.pdf 866719_xxxxxx_HOI.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866719 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-06-05 10:06 | 2026-06-12 10:49 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/11/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of xxxxxx At the time of the Builders first draw period the Policy only covered xxxxxx however the Loan amount is xxxxxx - Due Diligence Vendor-06/05/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.16 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
866719_xxxxxx_HOI_RCE.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866719 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-28 16:42 | 2026-06-12 10:48 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Special Warranty Deed dated xxxxxx reflecting Grantor: xxxxxx and xxxxxx to Grantee: xxxxxx, Dated xxxxxx provided - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/11/2026 Counter-per the most recent Title search states that the subject property is currently vested in "xxxxxx" - missing evidence of transfer or title and trust documents - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Per tax and title search, property is currently vested in "xxxxxx" - missing evidence of transfer or title and trust documents - Due Diligence Vendor-05/28/2026 |
Resolved-Special Warranty Deed dated xxxxxx reflecting Grantor: xxxxxx and xxxxxx to Grantee: xxxxxx, Dated xxxxxx provided - Due Diligence Vendor-06/12/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.16 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
866719_xxxxxx-warranty_deed.pdf 866719_xxxxxx-title.pdf 866719_xxxxxx_Updated_WD_w_Trust.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866719 | xxxxxx | D | B | D | B | A | A | A | A | Closed | xxxxxx | 2026-05-22 07:04 | 2026-06-10 13:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Rural allowed up to 80% LTV. Qualifying LTV is 86% based on lower appraised value of xxxxxx. - Due Diligence Vendor-06/10/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-06/09/2026 Rescinded-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural allowed up to 80% LTV. Qualifying LTV is 86% based on lower appraised value of xxxxxx. Provide exception. - Due Diligence Vendor-05/26/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Rural allowed up to 80% LTV. Qualifying LTV is 86% based on lower appraised value of xxxxxx. - Due Diligence Vendor-06/10/2026 Rescinded-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural allowed up to 80% LTV. Qualifying LTV is 86% based on lower appraised value of xxxxxx. Provide exception. - Due Diligence Vendor-05/26/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.16 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | |||
| 866720 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-22 13:26 | 2026-06-10 13:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. please see attachments - Due Diligence Vendor-06/09/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx. - Due Diligence Vendor-05/22/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0 | 866720_xxxxxx_HOI.pdf 866720_xxxxxx_Revised_LE_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866720 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-22 01:01 | 2026-06-05 08:49 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-The following charges have been either added or increased:_Admin fee, appraisal, VOE_ resulting in a 0% tolerance cure in the amount of $1305. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1305 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 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 $1,305.00.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). The following charges have been either added or increased: Administration fee, Appraisal reinspection fee, Verification of employement fee resulting in a 0% tolerance cure in the amount of $1305. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1305 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0 Residual income is over 1.5x the guideline minimum Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||||
| 866720 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-22 01:01 | 2026-06-05 08:49 | Waived | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-The following charges have been either added or increased:_Admin fee, appraisal, VOE_ resulting in a 0% tolerance cure in the amount of $1305. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1305 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/22/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0 Residual income is over 1.5x the guideline minimum Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||||
| 866720 | xxxxxx | C | B | C | A | C | B | A | A | Closed | xxxxxx | 2026-05-22 01:01 | 2026-06-05 08:49 | Waived | 2 - Non-Material | C | B | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 Open-The following charges have been either added or increased:_Admin fee, appraisal, VOE_ resulting in a 0% tolerance cure in the amount of $1305. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1305 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/22/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Waived- Client exception granted with compensating factorsOutside SOL - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0 Residual income is over 1.5x the guideline minimum Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||||
| 866721 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-05-21 02:32 | 2026-06-19 14:24 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. See attached RCE - Due Diligence Vendor-06/19/2026 Counter-Document Uploaded. the condition is for dwelling coverage of xxxxxx does not cover the Loan amount, Provide RCE or updated dwelling coverage - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-06/09/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Per Guidelines 100.04.02.01.02 Hazard Insurance The minimum coverage amount for hazard insurance on all loan types must meet one of the following requirements: • Must be settled on a replacement cost basis; or • Equal to the unpaid principal balance of the mortgage, provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. NOTE: Extended coverage endorsements (i.e., 125% extended coverage) may be included in the dwelling coverage amount for purposes of determining requisite minimum coverage. Itemized coverage for additional structures, however, is generally excluded from the coverage amount for the above calculation. - Due Diligence Vendor-05/26/2026 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-06/19/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
866721_xxxxxx_HOI.pdf 866721_xxxxxx_(6-5-26_65340996).pdf 866721_xxxxxx_(6-5-26_65341241).pdf 866721_xxxxxx_HOI_2.pdf Screenshot 2026-06-10 132047.jpg 866721_xxxxxx_FN2AX5Y.1.pdf 866721_xxxxxx-LOE_for_insurance.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866721 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-05-22 07:24 | 2026-06-10 13:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 2.78 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/10/2026 Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-06/09/2026 Open-Audited Reserves of 2.78 are less than Guideline Required Reserves of 6 Total Liquid Assets Available For Close $279143.17 $40k deposit not cleared Cash required from borrower $174864.50 Liquid funds post close $24278.67 6 mos PITIA of $8732.59 = 52395.54 Liquid Funds Post Close $24,278.67 Total reserves amount shortage -$28116.87 - Due Diligence Vendor-05/26/2026 |
Waived- Client exception granted with compensating factorsException granted with supporting comp factors: Audited Reserves of 2.78 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-06/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Residual income is over 2.5x the guideline minimum |
Compensating Factor 1 - Credit Score 30+ points > minimum required / 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 | Construction-Perm | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx | |||
| 866721 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-05-26 16:19 | 2026-06-10 13:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Mortgage Insurance Defect | Resolved-corrected CD and INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT provided - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-06/09/2026 Open-Final mortgage insurance Certificate is different amount than amount on Final CD. please verify which amount is correct. Final CD shows xxxxxx and PMI Cert Final shows xxxxxx - Due Diligence Vendor-05/26/2026 |
Resolved-corrected CD and INITIAL ESCROW ACCOUNT DISCLOSURE STATEMENT provided - Due Diligence Vendor-06/10/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
866721_xxxxxx_HOI.pdf 866721_xxxxxx_(6-5-26_65340996).pdf 866721_xxxxxx_(6-5-26_65341241).pdf 866721_xxxxxx_HOI_2.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866721 | xxxxxx | C | B | C | B | B | B | A | A | Closed | xxxxxx | 2026-05-27 08:56 | 2026-05-27 08:56 | Waived | 2 - Non-Material | B | B | Compliance | TRID | TRID: Closing disclosure loan terms- Monthly P&I | Waived- Client exception granted with compensating factors*** Monthly premium amount in final MI cert monthly amount of 110.38 is inconsistent with the Final Closing Disclosures Projected payment amount of 130.45, disclosed to borrower. ******************* Outside SOL - Due Diligence Vendor-05/27/2026 |
Waived- Client exception granted with compensating factors*** Monthly premium amount in final MI cert monthly amount of 110.38 is inconsistent with the Final Closing Disclosures Projected payment amount of 130.45, disclosed to borrower. ******************* Outside SOL - Due Diligence Vendor-05/27/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Residual income is over 2.5x the guideline minimum |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx | ||||
| 866722 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 01:24 | 2026-06-18 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Insurance policy provided to show borrower is fully insured. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Notes in the file show that the BR policy expired on xxxxxx, however, I am unable to locate a copy of the policy running from xxxxxx. Unfortunately, the two people who worked on this file are no longer with FUB, so I am unable to ask them for a copy. The draw ticket and subsequent policies are attached for reference - Due Diligence Vendor-06/15/2026 Counter-Missing Builder's Rick policy and First Draw period if after Note date of xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-06/05/2026 Open-Missing Hazard Insurance Policy Missing Hazard Insurance Policy - Due Diligence Vendor-05/22/2026 |
Resolved-Insurance policy provided to show borrower is fully insured. - Due Diligence Vendor-06/18/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.52% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
866722_xxxxxx_HOI.pdf 866722_xxxxxx_Draw_Ticket_-_xxxxxx.pdf 866722_xxxxxx_LL00068228_(1).pdf 866722_xxxxxx_HOI.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866722 | xxxxxx | D | A | D | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 01:04 | 2026-06-18 12:48 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Second appraisal completed to show work was completed. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. borrower opted for a full new appraisal in lieu of a 1004D - Due Diligence Vendor-06/05/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-05/22/2026 |
Resolved-Second appraisal completed to show work was completed. - Due Diligence Vendor-06/18/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.52% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |
866722_xxxxxx_NEW_Appraisal.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | |||
| 866724 | 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 | |||||||||||||||||||
| 866725 | xxxxxx | C | A | C | A | A | A | A | A | Closed | xxxxxx | 2026-05-22 13:10 | 2026-06-05 10:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Builders Rick policy provided - Draw period was xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-05/22/2026 |
Resolved-Builders Rick policy provided - Draw period was xxxxxx - Due Diligence Vendor-06/05/2026 |
866725_xxxxxx_Draw_Ticket_-_xxxxxx.pdf 866725_xxxxxx_Builders_risk_policy_for_xxxxxx.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 866726 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-22 14:34 | 2026-06-05 13:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Collateral Protection Notice is Missing | Resolved-Documentation provided is sufficient - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Collateral Protection Notice is Missing - Due Diligence Vendor-05/22/2026 |
Resolved-Documentation provided is sufficient - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.12 | 866726_xxxxxx_Collateral.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866726 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-22 14:28 | 2026-06-05 13:54 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LE) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.12 | 866726_xxxxxx_LEs.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866726 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-26 13:15 | 2026-06-05 13:54 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 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. Please provide complete TRID disclosure history and all TRID disclosures (LE)(CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.12 | 866726_xxxxxx_CD.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 06:22 | 2026-06-05 13:18 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Initial LE Missing. - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866727_xxxxxx_LEs.pdf | 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 | |||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 12:56 | 2026-06-05 13:17 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-06/05/2026 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. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866727_xxxxxx_LEs.pdf | 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 | |||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 12:56 | 2026-06-05 13:17 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-06/05/2026 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 $3,319.60.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). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866727_xxxxxx_LEs.pdf | 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 | |||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 12:56 | 2026-06-05 13:17 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866727_xxxxxx_LEs.pdf | 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 | |||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 12:56 | 2026-06-05 13:17 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866727_xxxxxx_LEs.pdf | 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 | |||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 12:56 | 2026-06-05 13:17 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 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% ($3,366.52) exceed the comparable charges ($0.00) 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). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866727_xxxxxx_LEs.pdf | 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 | |||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 12:56 | 2026-06-05 13:17 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
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 | ||||
| 866727 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 12:56 | 2026-06-05 13:17 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-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. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 461.85 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.76% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
866727_xxxxxx_LEs.pdf | 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 | |||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 13:17 | 2026-06-12 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-SSI 1099 for both bwr's provided - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/11/2026 Counter-The income provided does not belong to the subject loan/borrowers - B2 name is xxxxxx and B3 name is xxxxxx - Missing monthly deposits for SSI and/or Pension. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Missing income documentation for B2 & B3. DU requires "proof of current receipt". Bank statements for B2 (xxxxxx) & B2 (xxxxxx) do not reflect monthly deposits for SSI and/or Pension. - Due Diligence Vendor-05/26/2026 |
Resolved-SSI 1099 for both bwr's provided - Due Diligence Vendor-06/12/2026 |
866728_xxxxxx-income.pdf 866728_xxxxxx_2025_SSA_1099_xxxxxx.pdf 866728_xxxxxx_2025_SSA_1099_xxxxxx.pdf 866728_xxxxxx-LOE.pdf |
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 | ||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 18:33 | 2026-06-05 17:12 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-ILE IS MISSING - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866728_xxxxxx_6_5_2026_12158_PM.zip | 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 | ||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 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. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 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-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 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 $3,296.80.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-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 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% ($3,139.00) exceed the comparable charges ($0.00) 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). - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866728 | xxxxxx | D | A | D | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 14:45 | 2026-06-05 17:10 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (ROR 3-yr xxxxxx)(TRID/Respa-1yr xxxxxx) - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-******Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/26/2026 Open-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. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE(s) received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-05 17:25 | 2026-06-05 17:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Disclosure tracking provided - Due Diligence Vendor-06/05/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 loan estimate delivery date is less than four 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 |
Resolved-Disclosure tracking provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see disclosure tracking, LEs, and CD attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 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-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Full Review866730_xxxxxx_6_5_2026_13735_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 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. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 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 $3,203.60.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-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 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% ($7,499.98) exceed the comparable charges ($0.00) 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). - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866730 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 15:42 | 2026-06-05 17:27 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/26/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 Open-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. - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE(s), Provided - Due Diligence Vendor-06/05/2026 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.38 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 08:04 | 2026-06-05 18:05 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open-Initial LE Missing. - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12903_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 14:40 | 2026-06-05 18:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 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 Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12905_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 14:40 | 2026-06-05 18:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 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 $30,571.55.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). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12853_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 14:40 | 2026-06-05 18:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12848_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 14:40 | 2026-06-05 18:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12859_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 14:40 | 2026-06-05 18:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 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% ($9,255.10) exceed the comparable charges ($0.00) 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). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12857_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 14:40 | 2026-06-05 18:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, Locked LE, ack ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12855_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866733 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-22 08:02 | 2026-06-05 17:51 | Resolved | 1 - Information | C | A | Compliance | TRID | ARM Disclosure is Missing | Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open-ARM Disclosure is Missing - Due Diligence Vendor-05/22/2026 |
Resolved-ARM Disclosure is Present or Not Applicable - Due Diligence Vendor-06/05/2026 |
Full Review866733_xxxxxx_6_5_2026_12842_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | ||||
| 866734 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-05-26 16:36 | 2026-06-05 12:11 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/26/2026 |
Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
866734_xxxxxx_LEs.pdf 866734_xxxxxx_LEs_2.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866735 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 12:47 | 2026-06-05 12:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 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 $2,779.95.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). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866735 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 12:47 | 2026-06-05 12:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866735 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 12:47 | 2026-06-05 12:53 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866735 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 12:47 | 2026-06-05 12:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 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% ($2,960.17) exceed the comparable charges ($0.00) 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). "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866735 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 12:47 | 2026-06-05 12:53 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-06/05/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE and Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
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 | |||||
| 866735 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 12:47 | 2026-06-05 12:46 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Resolved- - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-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. "******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/22/2026 Open- - Due Diligence Vendor-05/22/2026 |
Resolved-ILE, RLE, Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Full Review866735_xxxxxx_6_4_2026_45156_PM.zip | 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 | ||||
| 866735 | xxxxxx | C | A | A | A | C | A | C | A | Closed | xxxxxx | 2026-05-22 11:44 | 2026-06-04 07:54 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-06/03/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.5). - Due Diligence Vendor-05/22/2026 |
Resolved-Desk review provided - Due Diligence Vendor-06/04/2026 |
866735_xxxxxx_866735_RDA.pdf | 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 | ||||
| 866732 | xxxxxx | D | A | D | A | A | A | A | A | Closed | xxxxxx | 2026-05-22 03:42 | 2026-06-05 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Missing Hazard Insurance Policy Provide Property insurance for the subject Property located at the xxxxxx. - Due Diligence Vendor-05/22/2026 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/05/2026 |
866732_xxxxxx_certificate_of_insurance.pdf 866732_xxxxxx_Draw_Ticket_-_xxxxxx.pdf 866732_xxxxxx_Builders_risk_(1).pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx | ||||
| 866716 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 13:05 | 2026-06-16 09:36 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 Resolved- - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. the Initial LE was sent with rate locked (attached - Due Diligence Vendor-06/15/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 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. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.37% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review866716_xxxxxx_6_15_2026_114032_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866716 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 13:05 | 2026-06-16 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 Resolved- - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. the Initial LE was sent with rate locked (attached - Due Diligence Vendor-06/15/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 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 $3,002.60.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). ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.37% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review866716_xxxxxx_6_15_2026_114045_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866716 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 13:05 | 2026-06-16 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 Resolved- - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. the Initial LE was sent with rate locked (attached - Due Diligence Vendor-06/15/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.37% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review866716_xxxxxx_6_15_2026_114034_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866716 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 13:05 | 2026-06-16 09:36 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 Resolved- - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. the Initial LE was sent with rate locked (attached - Due Diligence Vendor-06/15/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.37% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review866716_xxxxxx_6_15_2026_114039_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866716 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 13:05 | 2026-06-16 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 Resolved- - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. the Initial LE was sent with rate locked (attached - Due Diligence Vendor-06/15/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 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% ($4,030.50) exceed the comparable charges ($0.00) 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). ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.37% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review866716_xxxxxx_6_15_2026_114048_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866716 | xxxxxx | C | A | A | A | C | A | A | A | Closed | xxxxxx | 2026-06-02 13:05 | 2026-06-16 09:36 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 Resolved- - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. the Initial LE was sent with rate locked (attached - Due Diligence Vendor-06/15/2026 Open-SOL (purchase-3yr) xxxxxx - Due Diligence Vendor-06/05/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes 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 §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after 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:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ******Documentation provided does not contain the Initial / Locked Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-Locked ILE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/16/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.37% Is Less Than The Guideline Maximum Of 38% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.66 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 816 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
Full Review866716_xxxxxx_6_15_2026_114028_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866736 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-28 14:33 | 2026-06-05 10:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Lock xxxxxx confirmed - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/28/2026 |
Resolved-Lock xxxxxx confirmed - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
866736_xxxxxx_rate_lock_le.pdf 866736_xxxxxx_disclosure_tracking.pdf |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx | |||
| 866736 | xxxxxx | D | A | A | A | D | A | A | A | Closed | xxxxxx | 2026-05-26 17:49 | 2026-06-05 10:36 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-06/05/2026 Open- - Due Diligence Vendor-05/28/2026 Open- - Due Diligence Vendor-05/27/2026 Open- - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 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. - Due Diligence Vendor-05/26/2026 Open- - Due Diligence Vendor-05/26/2026 |
Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-06/05/2026 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Full Review866736_xxxxxx_6_4_2026_51957_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |